davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I refinanced my home in XX/XX/XXXX. Part of my loan agreement was that if I made all my payments on time I would have {$1000.00} credited to my PRINCIPAL balance for the first 5 years of my loan. I made all my payments EVERYONE on time. I received the first credit. My loan was sold to Nationstar Mortgage in XX/XX/XXXX. Nationstar reported to the credit bureau that I was paying late which was not true they ruined my credit and I could never get that removed or fix that error to my credit. I started contacting the mortgage company which is now called Mr. Cooper in XX/XX/XXXX regarding the error in reporting and the {$1000.00} credit due toward my PRINCIPAL balance. I have been trying to get Mr Cooper to  credit the additional {$4000.00} to my PRINCIPAL balance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and the additional {$1000.00} credit due to my account if I met the terms for the first 5 credits which I never  received. I have spoken with more than 200+ people at Nationstar and Mr Cooper in the last 6 YEARS. On XX/XX/XXXX I received a letter from XXXX XXXX stating they credited the credits due from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX. They also sent me a DODD Frank Form to fill out for the additional 6th credit. I returned the DODD Frank form on XX/XX/XXXX. I called XXXX XXXX at least 5 times to have the credits from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX applied correctly as they were not credited correctly and I have and am still paying interest on the amounts. Which should have reduced my principal balance in those years. As of today XX/XX/XXXX I have not heard back from XXXX XXXX at all and I have not received the credit due from the Dodd Frank form dated XX/XX/XXXX. 
Mr Cooper had no problem raising my interest rate per the modification on time not ONE day delay but they still refuse to give me the credits I deserve and are trying to make me pay interest on a balance that should have been reduced starting in XX/XX/XXXX. It is going on 7 YEARS that I have been trying to get this resolved. 7 YEARS!!!!!!!!! I am still due the final credit and an adjustment to my payments from XX/XX/XXXX.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I wired money to a person who was going to invest it in crypto. My money would mirror his trades. I did {$100000.00} on XX/XX/2022. Then {$50000.00} on XXXX XXXX, then {$50000.00} on XXXX XXXX, and finally a {$30000.00} on XXXX XXXX. All these wires were sent from my Wells Fargo to his XXXX XXXX XXXX Bank. It all went to XXXX, where it was transferred to bitcoin and then sent to his crypto wallet : XXXX Please help. Im devastated. 

XXXX XXXX XXXX
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

On XX/XX/2018 at XXXX XXXX pst I used a XXXX XXXX ATM and the machine did not dispense any funds. I first contacted XXXX XXXX via phone and in person with the branch manager and informed them of the situation and was told since Im not a XXXX account holder they are unable to do anything for me and I need to contact Comerica Bank and file a dispute and that will intiate the disputing process with them. I then contacted Comerica and filed a dispute and also faxed a written statement of what happened and attached a copy of the ATM receipt that states that XXXX XXXX is unable to give me any funds right now and to call their 800 number. Its been 4 days now and I havent received any type of credit to my account. Every time I call they tell me it could take up to 45 days to investigate and just because I faxed them a statement and a copy of the receipt does not mean they will be giving me the provisional credit. I have been trying to get this matter expedited with Comerica and XXXX XXXX and gotten no where.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

I purchased gas at an XXXX on XXXX XXXX at approximately XXXX XXXX XX/XX/year>. After pumping gas I checked my checking account to find {$580.00} was missing from my account. I contacted Direct Express XXXX XXXX and filed my case. They cancelled my card and going to investigate. Within 10 days they were supposed to replace the {$580.00} and never did. The money was taken out of an ATM in XXXX XXXXXXXX XXXX. a XXXX XXXX XXXX XXXX. I have not to XXXX XXXX for years and wasn't there making that withdrawal. At the time of the withdrawal I was in XXXX XXXX. My girlfriend at the time is an XXXX at XXXX XXXX and will vouch for me I was with her every night around XX/XX/year> in XXXX. Direct Express told me to file a police report which I did and Fax it and the case number. I tried the fax number which a XXXX gave me and the number was bogus. They did their investigation and couldn't confirm fraud. Months and months I contacted Direct Express for hours and hours and hours day after day about the money they took from my account and finally tried some government agencies with little help. The funny thing is Direct Express has been in trouble before and found guilty so why are they still in business? They were found guilty of fraud and are still doing it again. They are now have a class action suit for some {>= $1,000,000} for the same thing. What wrong with this picture.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-28
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: JPMORGAN CHASE & CO. (VA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-12-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (UT)

This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from Real Time Resolutions , Inc. until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX XXXX XXXX and all the other Financial Institutions. I spoke with XXXX XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

My husband and I applied for a personal line on-line with Santander Bank XXXX The loan was somehow approved in my name alone and when we attempted to satisy the loan the bank refuse to accept a bona fide bank check for repayment of the debt. Numerous attempts to correct this situation went unanswered while interest charges continued to accrue. When the same bank check was mailed in -- it was lost by the bank -- found only when we sent a copy to them -- and no explananation was ever provided as to whya valid pay0ff check was not accepted nor wasit ever explained how ajointly applied for loan could end up ine the name of only one borrower. No application was ever sent to me.
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service XXXX IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. It is also a breach of The Privacy Act of 1974. Violation with 15 USC 6802-6805 as well.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

Venmo has wrongfully suspended my account with XXXX in it. My account was suspended for no reason at all. You can contact the other person who have been sending me money that is a long time friend. This is unfair to me because I have a lot of money inside of my Venmo account that I wont be able to get for 180 days. I have done nothing wrong at all and feel as if this is a wrongful termination. I would love to show bank statements and anything possible to get my account back or at least my money. I did not gamble at all or host raffles or anything of that sort. My friend XXXX sent me {$1000.00} because we went out to eat and he wanted to pay me back from covering the tab. He was the only person to ever send me any amount of money. So the gaming and gambling theory is not true at all. I did not use any vpn or proxy servers. I used my only XXXX and with my only XXXX XXXX  internet. My address and ip should be XXXX new York XXXX. This is also my ip if you were wondering XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX the same matches up with my ip my cards my ssn everything is linked to that address. if anything I would love to either refund the money to my friend XXXX who sent me the XXXX or maybe you could even send me a check or review my account but I don't have a lot of transactions at all so this should be reviewed quick and before XXXX thank you
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (DE)

My mortgage was sold to USXXXX Bank XX/XX/XXXX and I have been paying my mortgage on time every month. When my insurance payment was due in XX/XX/XXXX, XXXX Bank paid the insurance bill twice out of my escrow. ( The amount is {$450.00} x XXXX so the total paid was {$900.00} ). I noticed this because my homeowners insurance company sent me a bill mid XXXX stating my payment was due and when I went to my portal for the bank, I noticed there was a deduction twice for the XXXX insurance. Once on XX/XX/XXXX and then again on XX/XX/XXXX. After speaking to USXXXX  Bank in XXXX, they stated the first check was some type of fraud and they had to investigate it. I called several times and spoke to several people because my concern was after my taxes were paid in XXXX, my escrow was going to be short and I did not want to have them telling me my mortgage payment was going to go up. They told me everything should be fixed by then. We spoke to the XXXXXXXX XXXX XXXX and they only received XXXX of the checks ( the XXXX dated XX/XX/XXXX ). Apparently this was a group check of over {$50000.00} that encompasses other people as well ( the first one that is fraud ). I asked the bank how was I going to be made whole in this process because in XXXX what did I get? An escrow analysis stating my escrow was short {$390.00} and I needed to pay this or my mortgage would increase on XX/XX/XXXX. First, the insurance payment should not have been sent twice. Now that it has, the insurance department explained to the escrow department that they are investigating the first check, the escrow area says well until we get the funds back, her mortgage will increase. That is unfair to me and everyone is blaming someone else when at the end of the day, if a fraud check is being investigated and is affecting my escrow, that should be corrected now. They can communicate with each other to see there was something internal that messed up my escrow. On XX/XX/XXXX it was escalated to the complaint department and when I called today on XX/XX/XXXX for the status, they just started looking at it on XX/XX/XXXX and this is not fair to me as a consumer who pays my mortgage on time. No one cares because this is not affecting them. I was also told today on XX/XX/XXXX that this could take up to 8 months to figure out what happened with the check and meanwhile I am being affected by this. I have been calling about this since mid XXXX and it is over 60 days and I can't get any information except my mortgage will increase unless this underpayment is paid which is not an underpayment, but an internal error caused by the bank that is not my fault.
Consumer complaint received 2018-08-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (NJ)

this vehicle was repo under my ex spouse possession. I was never notified about the repo or called about this matter. My ex spouse never saw a court letter or any type of document. I was XXXX XXXX ( XXXX ) and now I'm a XXXX  veteran ( 100 % permanent and total ). This is not right, not the way we treat are XXXX veterans!
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Days late?

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (OH)

Overcharged interest on my monthly target credit card bill. I made payment in full of {$510.00} XXXX days before it was due by XXXX XXXX XXXX  checking account bill pay and target charged interest of {$18.00} for XXXX  days of interest. Published rate on statement page XXXX of XXXX is XXXX XXXX APR but at XXXX in interest charged per day for the XXXX days it is closer to XXXX XXXX APR. I called taregt customer service and filed complaint with XXXX and requested breakdown of how the interest charges was calculated for XXXX  days it took target to process FULL payment. Payment of XXXX was due XX/XX/XXXX. I Submitted {$30.00} payment by phone XX/XX/XXXX and {$510.00} shows received on my next target bill on XX/XX/XXXX. I expressed my concern with how they calculated interest but XXXX said she couldnt do anything except submit a formal complaint. I asked when i can expect to hear back and she said there was no guarantee I would even get a response for my complaint. I just want them to take this seriously and make sure no one else at Target is being overcharged interest. The XXXX XXXX APR is high enough already. Just hope other consumers are not getting taken advantage of too. 
XXXX
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (MA)

Westlake has listed a defaulted debt owed to their company on my credit report. I do not owe this debt. I requested an investigation through the bureaus. Westlake claimed the debt was valid. I requested validation of debt via certified mail XX/XX/2018. They failed to reply. I sent a 93A Demand notice via certified mail for failing to produce required documentation under federal and state law via certified mail XX/XX/2018. They replied with refusal to provide any information stating they were unable to locate the account. I sent them a third notice in the form of a 93A Demand with all of my information ( account number listed on my credit report, full name and address ). They failed to reply in any way. They have continued to report in attempt to collect this debt. It is illegal under both federal and MA law to attempt to collect a debt without providing proof of a claim.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (VA)

On Thursday, XX/XX/XXXX I made a {$100.00} Bill Pay payment to Honda Finance via XXXX XXXX XXXX XXXX. 

On Thursday, XX/XX/XXXX, I scheduled a payment for XX/XX/XXXX via XXXX XXXX Pay in the amount of {$310.00} to Honda Finance. 

After scheduling the payment on XX/XX/XXXX for XX/XX/XXXX, it was not listed amongst the scheduled payments so I wasnt sure that it went through as the XXXX mobile banking XXXX has glitched many times in the past and check deposits or transactions would not submit though Id submitted or there would be an error indicating a check deposit had not deposited when in fact it had. 

So on Friday, XX/XX/XXXX, I called XXXX to confirm whether the scheduled payment had processed as there was no history of it in online banking and I was told no by a XXXX customer service agent that the scheduled payment had not been scheduled and no payment for {$310.00} was in their system. 

So on Friday, XX/XX/XXXX, after speaking to XXXX to confirm the scheduled payment had not in fact been submitted, I re-submitted a payment for {$310.00} via XXXX XXXX to Honda Finance via XXXX. 

To my horror, I discovered that the {$310.00} payment submitted on XX/XX/XXXX cleared on Monday, XX/XX/XXXX, a {$30.00} NSF fee was applied also as the original {$310.00} payment scheduled for XX/XX/XXXX also was attempted. 

I contacted XXXX and informed them of the duplicate payment as a result of their mobile app issues but the agent did not stop payment so on XX/XX/XXXX, the {$310.00} original payment to Honda Finance was attempted again and captured by Honda Finance. 

XXXX informed me that I would have to contact Honda to get the payment returned. 

On Friday, XXXX XXXX, when I contacted Honda Finance Customer Service, the first Honda Finance agent hung up on me after I asked for his name when he refused to refund the duplicate payment. So I called back again and spoke with XXXX who told me the same as the first agent : They would not refund the duplicate payment unless I sent my bank records after which I would have to wait for a snail mail check. 

Honda refuses to quickly return the duplicate payment via digital payment ( the same manner in which it came ) made in error and the associated fees attached with being charged twice and the money not being available. 

Also my XXXX XXXX access has been restricted for XXXX and Honda Finance unfairly.
Consumer complaint received 2024-09-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Charge Amount : {$960.00} Date Opened : XXXXXXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (GA)

This card was open in XXXX I never applied for this card I never stayed @ the address where the card was sent when I talk to the collection company they said the person was paying with a money order so that mean that's not my handwriting and I can prove my signature and I bought a house in XX/XX/2016 so why would I have a credit card mail to a different address