davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

tried multiple times, credit repair companies. Will not fix. Wells fargo does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. Wells Fargo has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
Consumer complaint received 2018-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

I took out a loan with XXXX XXXX to purchase furniture in XX/XX/XXXX for approximately {$2400.00}. I had been making monthly payments of {$160.00} and the account was in good standing. I hadn't checked my balance and realized in XX/XX/XXXX that the loan was paid off in XX/XX/XXXX and had made 5 overpayments. This gave me a credit balance of {$930.00}. When I realized, I called them and asked for a refund check of the overpayment amount. I was told that a check would be issued and could take 7 to 45 days to issue. I thought that a bit strange but given my good standing with the account, assumed it would be closer to 7 days. I followed back up at the end of XX/XX/XXXX when I saw that my account still overpaid and had not received a check. I called again on XX/XX/XXXX and was told that a check was not set to be issued and that I would need to call back AGAIN on or after XX/XX/XXXX. I escalated to a supervisor. After being hung up on twice after being put on hold, I finally got to a supervisor. The supervisor told me that based on my account history/status and poor service experience, she'd make sure a check was sent out right away. Two weeks later ( today, XX/XX/XXXX ), I still have not received a check. I've called back to get a status and have been hung up on twice by the representatives after putting me on hold. When I called back a 3rd time, the representative ( XXXX ) put me on hold to get me to a supervisor only to come back on the line to say that their " system was having problems '' and she couldn't transfer the call and that the supervisor ( XXXX ) would call back immediately. He didn't call back. This is the worst experience I've ever had with a financial company and simply looking to get back my money. 

XXXX ( XXXX )
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Purchased online and item from JCPenney 's and there was a promotional XXXX discount of 20 %. When I put the item in my cart at {$39.00} the {$6.00} was taken off at that time leaving a balance of {$33.00}. However when I chose to use my rewards is my payment method it took my discount from me. I used those rewards to pay for the item. via credit card or My Rewards it shouldn't have taken my {$6.00} discount. There is no mention in there that if you pay with rewards that the discount is not valid. Order number XXXX XXXX XXXX
Consumer complaint received 2018-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Property tax exemption was approved XX/XX/XXXX by City tax assessors office. 

Loan was transferred from XXXX to Freedom Mortgage on XX/XX/XXXX with an escrow surplus. Made numerous phone calls to XXXX prior to transfer of loan, but to no avail. 

XX/XX/XXXX emailed Freedom Mortgage Customer service regarding escrow refund. XX/XX/XXXX received a generic email response referring us to " Your Loan Transfer - FAQ '' on their website. 

XXXX with Freedom  Mortgage representative on XX/XX/XXXX & requested escrow refund, in amount of {$5100.00} -- she asked we send proof that we were tax exempt - emailed copy of tax exempt letter. 

XX/XX/XXXX Spoke with Rep Id # XXXX in regards to tax exempt letter submitted - said target completion date was XX/XX/XXXX. 

Spoke with Rep. Id # XXXX on XX/XX/XXXX, notes per escrow dept ... '' our research found that your account is not being escrowed for your property taxes, but for your homeowners insurance ''. Rep. said that escrow analysis can only be run within 90 days of acquiring loan. 

Called back on XX/XX/XXXX - Rep. Id # XXXX, says since they acquired the loan, escrow analysis could be requested at 60 days. Rep ordered analysis, said the target completion date XX/XX/XXXX. 

XX/XX/XXXX spoke with Rep. Id # XXXX, claims pending tax research and unable to do escrow analysis at this time. - - - - - Requested to speak to supervisor ... ID # XXXX. Supervisor said that escrow was done on XX/XX/XXXX BUT had not been " downloaded in the system ''. That it may take a few weeks. 

In a nutshell ... getting the run around, Freedom Mortgage holding our money for no reason and seem to be stalling on processing a refund.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I made a phone call to a debt collector that was hired on behalf of XXXX XXXX. My original account with XXXX has been in dispute over my ex wife opening it without my knowledge, this company had told me that for XXXX dollars I can settle the entire debt and that it would delete it from my report. In an attempt to simply put the entire thing behind me I agreed and I paid it. They assured me that Id get a letter in the mail and that no more than 30 days the account would be deleted from my report. I have not gotten any letter nor has it been deleted. This account is roughly one year from the 7 year period meaning it would fall off on its own. When I explained that they then told me to pay less and they would make sure it was deleted. I attached a photo of my payment to them as proof
Consumer complaint received 2018-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NY)

i contact upgrade today XX/XX/XXXX XXXX about the amount of a discrepancy on my account. ive been paying my balance every month since i open the account. ( XXXX ). ive made 8 payments, XX/XX/XXXX {$540.00} {$350.00} Principal {$190.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$370.00} Principal {$170.00} Interest on XX/XX/XXXX i wanted to make an extra payment to bring down the balance quicker and pay my loan off at in a short amount of time. but to do so you have to call it in which i did. after, the next payment which should have been automatically removed from my account on XX/XX/XXXX wasn't. so i called in to have the auto payment removed and paid. it was done. ( XXXX XXXX XXXX ) the next auto payment was supposed to be taken on XX/XX/XXXX it was not so i called it in again to have it fix and paid. ( XX/XX/XXXX XXXX ) and notice the interest was not being taking out and that there must be a problem i don't want to be penalized in the future for the mistakes upgrade are making, and was told on the phone it was ok the balance for the months are satisfied and i would not be penalized and would bring this to the attentions of management. mind the fact that the two payments i made after XX/XX/XXXX don't show up on there site but it was removed from my account and calculated in the balance. so the balance now is XXXX so the auto payment was not taken out of the account again. and i call XX/XX/XXXX to have the payment taken again. ( XXXX XXXX {$61.00} Principal {$480.00} Interest ). so when i called about the problem that almost all of my money was taken in interest and only XXXX was taken to principal. there is no way the interest should be that high. what there trying to do is basically charge me back all the money they miss because of their plenty of mistakes. interest is calculate daily for 30 days which a payment every month would reset that for the next 30 days. i did the math and there trying to changer back almost 3 months to cover their mistakes. after telling me i wont have to pay for that the first time. i i knew better i would have never made the extra payment or better yet take the loan from this company. and when i called to settle this matter one Representative told me one deal where she could get it down to XXXX " give or take '' and the supervisor tells me theirs nothing she could do so who do you believe because obviously their trying to cover for there entire groups mistakes. i even had to contact XXXX XXXX because they were reporting the wrong balance and they don't show the amount i paid for the two months.
Consumer complaint received 2018-05-30
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: AMERICAN EXPRESS COMPANY (AZ)

My wife tried to book our honeymoon to XXXX XXXX thru American Express Travel. They booked to XXXX XXXX XXXX and attempted to arrange travel. AMEX Travel was unable to book flights with reasonable layover. My wife instructed them to cancel the trip. On my XX/XX/XXXX AMEX statement I received a charge of {$11000.00} for the hotel. I called AMEX and they said we were inside the 30 day cancellation date and there were no refunds. I told AMWX that we would go on the trip if they could arrange airline travel. They said they would investigate it, but it could take several months. The XXXX XXXX did refund 50 % of the charge or XXXX. The reservation dates came and went. several months later they said they would not reverse the charges. I cancelled my AmEx card after 30 years. They continue to call me regarding payment. AmEx should take responsibility for the mistakes of their sister company AmEx Travel. They are policing themselves and trying to make me pay for something I didn't receive and was their mistake.
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am attaching the payment report that GM sent me showing the XX/XX/XXXX payment was made on XX/XX/XXXX which was only 18 days late. I have verified this with your call center staff. I have asked that this be corrected on my credit bureaus and it remains incorrect. 

Furthermore, on XX/XX/XXXX, I called and asked for a deferment. I made a payment of {$800.00} and was told that the deferment was good to extend the loan by two months and that I was now current and told that my next payment would be due XX/XX/XXXX. I paid some other things with the money I would have used for GM payments because I was told I had a deferment. I made a half payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$400.00} and another half payment in the amount of {$390.00} on XX/XX/XXXX which I believed to take care of the XX/XX/XXXX payment. I then paid what I thought was my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, and XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}. 

When I looked at my credit report on XX/XX/XXXX, I was shocked to see late payments reporting from GM. I immediately called and complained and made a double payment in the amount of {$1600.00} on XX/XX/XXXX in order to bring the account current according to your records even though I believed it to already be current because of the previously offered deferment. 

I was promised a deferment on XX/XX/XXXX when I called and spoke with your staff. I was not given the deferment that I was promised causing serious damage to my credit rating.
Consumer complaint received 2018-05-30
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. (NY)

My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

There has been several unauthorized charges on several of my capital one credit cards that have been brought to my attention. Including unauthorized auto pay that keep getting activated without my consent. I have contacted Capital One about issues with my accounts and due to long delays haven't been able to speak with a rep. They sent a {$110.00} auto pay when I cancelled the auto pay back a few months ago. I am requesting closure of all of my accounts with them and a fraud investigation to be opened as some of the fraudulent transactions are almost a year ago.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation (GA)

In XX/XX/2014 I applied for a loan through Avant Credit for XXXX  work. They approved the loan and 5hem said 5hey were turning over to XXXX XXXX because they did not do medical loans but XXXX XXXX did. XXXX XXXX was funded by XXXX XXXX XXXX and everything was set. Ended up going through a Debt Consolidation company to get out from under some debts and XXXX XXXX/ XXXX XXXX settled the debt for XXXX. Now Avant/ XXXX XXXX XXXX is suing me for the money saying I owe it to them. I do not owe this money. It was settled for the XXXX I mentioned. Now every one I talked to has no record of Avant Credit sending anything to them and Avant Credit says they don't know anything about it!! I was told by the rep from Avant Credit that it would be XXXX XXXX in charge of my loan. Now they are saying that never happened and are suing me for the money!! I don't owe Avant Credit this money!! I don't know what else to do!! I also have filed with XXXX and they suggested that I file with you also. I only have 30 days to figure out what they are doing and file an answer to them. I really do not owe them this money.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK (SC)

XXXX XXXX was bought out bY First Tennessee. They have forced everyone to download the new App to access online banking. The App hasnt been working. I lost access 4 days ago, have talked to people on the phone, and been to the bank twice. Im writing this complaint in the mgrs office because we have been on hold for probably 45 minutes with the NO HELP LINE. Bank employees at MY bank have tried to help ... .to no avail
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (GA)

Back in XXXX I was issued a lowes credit card with a credit limit of {$500.00}. Back in XXXX I made a purchase for a couple of fans. I then decided the fans were not necessary and contacted the store where I was supposed to pick them up and told them to cancel the order in XXXX. They did n't cancel the order until the XXXX. They where supposed to dispute the charges. In the meantime the charges still remained on my account and they were trying to make me pay for the said charges for product I did n't receive. Today I go to lowes and try to use the card and it did n't work. Turns out lowes consumer credit lowered my credit limit to {$100.00} with no notice over charges I disputed. I tried contacting them today and was hung up on by the representative. These people chargeed me {$35.00} late fees for items I did n't receive. Now I have a credit card with a {$100.00} limit which is damaging to my credit score because they just decided to lower my limit because of their negligence.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my report.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (DE)

reporting a {$98.00} medical claim in collections and reporting it to my credit reporting agencies this debt is not valid and incorrectly reported on my credit file and needs to be removed asap
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY. XXXX Im not residing nor do have any more information about the property or the residence of the site that this company claims to be issuing me a warning about usage of some sort of service. Im not sure they have noticed that services were not in my name and they have been non cooperative to show me a proof or provide legal documents that XXXX XXXX received or is legally allowed to receive US Mail for any notification at the above address. They have the intelligence to inform me that they have communicated with someone else on my behalf. They claim the conversation is on a call recording. Are you going to admit that you are braking privacy law? Did XXXX XXXX receive any certified mail by you?
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (AK)

I cleared a debt that was owed to another apartment rental company that my brother and i stayed at, i had a dispute with that apartment company because they had a cleaning bill i did not believe i owed, but i have paid that bill, as it was only 300 or so dollars, but upon further inspection, the rep whom took my payment for that previous balance owed, noticed something else on there, something for another apartment complex that my brother stayed at, i did not stay there, my brother did and because he was on my account with the previous apartments we stayed at together, i assume they just thought they could just put this on me now that my brother is deceased.

i contacted XXXX XXXX XXXX on XX/XX/2018 in regards to this, the stated they sent IQ data information regards to getting this taken off my credit report, XXXX XXXX  sent information to IQ data to have this removed and i got a letter from XXXX XXXX to show other apartments to let other places know that i do not owe a balance at XXXX XXXX no one is telling me how long this process takes, as it only seemed to take 5 min to attach this debt to my name, it should take just as long to have it removed in my opinion because before i paid my previous debt this was not even attached to my name.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.