davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

Hello CFPB I have started this case because the last two months have been a nightmare dealing with TD bank Credit Card service. 

Just for a quick recap, on XX/XX/XXXX i lost my job, i have been going through some personal medical issues as well and my partner has been kind enough to handle the finances for me, just recently on XX/XX/XXXX i have paid off all my Credit Cards and shortly after i started using them again. I have one CC with TD, for the limit of only {$500.00}, since the payoff i have used the amount of XXXX in total from their credit line. My partner was helping me pay off and he realized on XX/XX/XXXX, just on due date that my balance kept going up, he asked me if i had used the card and i explained him that i have not. 

After we went through the statements we had realized that TD had charged us a late fee for every single months since XX/XX/XXXX. As of yesterday which it was the XXXX due date we had 4 fees, two of them for {$27.00} and two for {$37.00}. They did remove one of the fees and that means that we were only left with three of them plus a XXXX XXXX monthly interest. 

We stopped paying in XX/XX/XXXX and my parter, XXXX advised me to escalate this case with them to have the fees reviewed, We have a total balance of almost {$400.00} and we have just used {$200.00}. We feel TD is a predatory institution that has not just unfairly charged fees, but they have repeatedly declined to help us resolve the fees. 



I spoke to one of their managers, i feel like she was the only one that was honest, she said that we have paid less then the minimum amount but the payments have been submitted on due date. We can assure you that we only have paid what the minimum amount is advised on their system. 


I gave them a chance till yesterday, XX/XX/XXXX to review their information before we took any additional steps to resolve this. We are not comfortable with their politics and most importantly we have come to the realization that their practices have possibly hurt a lot of people. We are willing to share any information related to the matter to get to the bottom of this. 


Please see the three attached statements for the last 3 months, we have paid the minimum amount advised on the app in all the last 3 months, and we have received fees on all three of them. 


Please help us and the American People from this PREDATORY INSTITUTION, they are in business to take advantage of the hard working people so their top bankers can make millions a year. 


Respectfully
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

I purchased a new vehicle on XX/XX/XXXX and traded in my XXXX XXXX XXXX financed through XXXX Finance. On XX/XX/XXXX I received email confirmation that my loan balance had been bull. On XX/XX/XXXX, XXXX XXXX  drafted my automatic schedule payment of {$750.00} from my bank account. When I called I was informed it would be refunded in 10 days. I asked to speak to a supervisor who informed me it would be refunded in 21 days and there was nothing further they could do to expedite. I requested to speak to a manager and was informed they did not take calls, then that they were " in meetings '' and they had no voice message availability. 
I understand the reason the payment was taken was because I was set up on automatic payments ( their requirement ). However, the account was paid in full prior to my payment date. They tell me it takes a day or 2 to process. That is not my problem or my fault and having to wait 21 days for a refund when they stole my funds in nanoseconds is completely unacceptable. We live in an age where monies can be electronically transferred in seconds ( next business day to process at the most ). If the role was reversed and I had not paid them, they would not have given me 21 days to make the payment, it would have been demanded immediately or I'm in default on the loan. I was also told the automatic payment was a requirement to get the interest rate I had on the loan.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Hi, it started when I received checks from Wells Fargo. They offered zero percent interest with these checks for purchases, and balance transfers. Balance transfers had a fee for the transaction. 
So I used a check for a purchase, expecting the zero percent rate. After waiting for the check to go through, I noticed the balance to be higher than I expected. So, after looking at the charges made, I realized they had charged me for a balance transfer. The fee was something like {$120.00} dollars on {$3100.00}. So I called them to inform them that I was charged a balance transfer fee, yet it was a purchase. They told me that if I used the checks they were treated as a balance transfer. I explained that isn't the terms available in the documentation I received with the checks. I was supposed to get zero interest rate on purchases. This is not what occurred. I was charged a flat interest rate right off the bat. So this isn't a zero interest purchase, and they scammed me into using the checks, knowing I can't do anything about the charge. The charge was labeled a balance transfer, which it was not. Wells Fargo is ripping people off again! 
Please help, XXXX XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. Also if I owe this allege debt the apartment stated that their central billing would house all of their bills and upon contacting central billing they have no record of this alleged debt let alone me owing this alleged debt.
Consumer complaint received 2022-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

EQUIFAX failed to follow the verification process for administering EXTENSIONS OF CREDIT under [ 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for Extension of Credit in complete disregard to the consumers protected account. 

EQUIFAX was already made aware of the provisions and procedural guidelines made for [ 15 U.S.C. 1681c-1 ] 605A fraud and identity theft prevention by the consumer as noted on the consumers account and profile for the past several years, in addition to the fraud alerts placed on the consumers account, and the multiple requests made by consumer to EQUIFAX for fair practice and governance of the consumers report and information. 

EQUIFAX has willfully chosen to disregard ethics or fair practice to this regard, and has supplied and upheld false, misleading, fraudulent, and impartial information against the guidelines set forth by the [ 15 U.S.C.1681 ( c ) ] Fair Credit Reporting Act for fair practice and reporting under false pretenses for lender XXXX XXXXXXXX XXXX 

EQUIFAX has subjected the consumer to a false, inaccurate, and untrue reporting and reflection of the consumers identity in relation to the consumers account and credibility in the process. 

Multiple requests have been made by the consumer to EQUIFAX to adjudicate these errors, in response to these requests, EQUIFAX has continued to ignore and impose unreasonable point deductions made by each request for fair practice resulting in unreasonable 102point deduction on XX/XX/2022, and as previously 160 points deduction over the course of XXXX weeks DESPITE THE VERY CLEAN 21 YEAR AGE, RECORD AND PAYMENT AND HISTORY OF THE CONSUMER. 

Equifax continues to ignored all relevant requests and supporting information thereby supporting and further establishing PREDATORY LENDING PRACTICES AND BEHAVIORS by lender EQUIFAX in support of lender XXXX XXXX aggressive and unethical lender practices aforementioned.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UMB FINANCIAL CORPORATION (CO)

The custody of my HSA account transferred from XXXX to XXXX XXXX on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called XXXX XXXX to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to XXXX and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to XXXX. On XX/XX/2022 I called XXXX and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in XXXX business days. On XX/XX/2022 and XX/XX/2022 I called both XXXX and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.
Consumer complaint received 2022-08-24
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX have violated my rights 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 an account without my written instructions.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have violated my rights 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 an account without my written instructions.
Consumer complaint received 2022-08-24
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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.
Consumer complaint received 2022-08-24
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  have 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.
Consumer complaint received 2022-08-24
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: WAKEFIELD & ASSOCIATES, INC. (OH)

Sir/Madam, There are open credit lines in a credit report with XXXX  which i don't know where they came from.I have never had credit lines with any company whatsoever no matter what.They are all medical bills credit lines ( debt collections ) .I have never visited any hospital or clinic without insurance.I wrote to XXXX, disputed the credit lines ( debt collections ) but i still see the credit lines in a credit report in my online XXXX account.I left XXXX my statement but i still see them online. 
Your consign will be highly appreciated. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA returned a EFT payment I made to XXXX for no reason. I had funds in my account to cover it. Instead they rejected it. I alerted USAA and they credited the XXXX return check fee. But they caused me to get a XXXX returned EFT free from XXXX.
Consumer complaint received 2022-08-24
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. (TX)

XXXX XXXX has stated that two of my loans have been charged off and it is showing on my credit report. One is in the amount of XXXX the other one is XXXX. I am a XXXX  and placed these loans in a XXXX relief program. I set up payment arrangements at {$300.00} a month and they have reported that these loans are in default even though they have sold their loans to first XXXX XXXX which I pay on monthly. They also sent the balances to my taxes which I had to pay {$6000.00} on. In order for a loan to go into default it has to have no payment for six months and this Was NOT the case. I have received NO phone calls or paperwork on these loans! I want them to go back and look at the notes of my wife and I calling in to make arrangements. XXXX XXXX is lazy and you never get the same person on the phone twice. They make it almost impossible! I have ALOT of student loans from medical school and have NEVER defaulted on anything. I want this taken off my credit report. XXXX XXXX has been in several class action lawsuits for their sketchy practices and this is NO exception! I am a XXXX  and my credit report is taking a huge hit because of XXXX XXXX shady dealings. The next step in this process is to hire an attorney.
Consumer complaint received 2022-08-24
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. (CT)

This complaint is twofold. The first complaint is against XXXX XXXXXXXX. They allowed in account to be opened in my name from someone in XXXX when I live in Connecticut. I have since complained about the address on my credit report and they have fix that. However, they still have not fixed the account that they claim I opened. 
The next complaint is against Experian. They fixed my address however denied my dispute with XXXX XXXXXXXX saying that the information from that company was correct. How can you correct the address and agree that I never live there but not correct the account?
Consumer complaint received 2022-08-24
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. (GA)

My name is XXXX XXXX XXXX. I have been a victim of ID theft for about a year now. I have tried to do the right thing by reporting my information stolen, etc. yet the credit companies continue to report a few of the items involved in the ID theft as correct or accurate. Pls assist me in having them correct it. Thank you
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

In Accordance with the fair credit reporting act 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.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has stated that two of my loans have been charged off and it is showing on my credit report. One is in the amount of XXXX the other one is XXXX. I am a physician and placed these loans in a XXXX relief program. I set up payment arrangements at {$300.00} a month and they have reported that these loans are in default even though they have sold their loans to XXXX XXXX XXXX which I pay on monthly. They also sent the balances to my taxes which I had to pay {$6000.00} on. In order for a loan to go into default it has to have no payment for six months and this Was NOT the case. I have received NO phone calls or paperwork on these loans! I want them to go back and look at the notes of my wife and I calling in to make arrangements. Wells Fargo is lazy and you never get the same person on the phone twice. They make it almost impossible! I have ALOT of student loans from medical school and have NEVER defaulted on anything. I want this taken off my credit report. Wells Fargo has been in several class action lawsuits for their sketchy practices and this is NO exception! I am a physician and my credit report is taking a huge hit because of Wells Fargos shady dealings. The next step in this process is to hire an attorney.
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

In early XXXX  I contacted PHH mortgage via phone to inquire about the removal of PMI ( private mortgage insurance ) on my home, as I believed due to a combination of local market trends and home renovations the home had increased in value placing it below the 78 % loan to value threshold required. They informed me via a written letter that I needed to submit a payment of {$100.00} to pay for a brokers price opinion to determine the value of the home to be considered for PMI removal. I submitted the requested payment and information and the check was deposited by PHH mortgage XX/XX/2022. This was reflected in the PHH online web portal records for my account. 

Following the deposit of that payment a third party vendor contracted by PHH, XXXX XXXX, reached out to schedule an inspection of my home for the broker 's price opinion. The inspection was performed by a contractor of XXXX XXXX on XX/XX/2022 and the final report was delivered to PHH mortgage on XX/XX/2022. ( I was informed of the XX/XX/XXXX submission date from a customer service representative of XXXX XXXX ). 

Following the submission of the XXXX report, I received no communication from PHH mortgage whatsoever and on XX/XX/XXXX I was charged for PMI on my mortgage account. After being charged for PMI again on XX/XX/XXXX, I called the PHH customer service line to inquire about the status of removal, and they confirmed receipt of the report and said that I would receive a letter within 5 business days that my PMI has been successfully removed. I received no such letter, and still have not more than 30 days later. I called again on XX/XX/XXXX to request a status update and was told they would be looking into it- but heard nothing, received no letters, and was charged again for PMI on XX/XX/2022.