davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

On or about XX/XX/XXXX I visited the XXXX website and selected a CD offer by XXXX XXXX XXXX -FDIC insured for a 12month period at 3.04 % APY. 
I followed the invest arrows and duly completed the account application form and faxed it as instructed to XXXX. The application was accepted and in discussion with the officer from XXXX XXXX XXXX I was informed that his bank was a subsidiary of the XXXX XXXX, XXXX XXXX, WI - FDIC # XXXX and that he was a broker agent for the collection of deposits in CA. On XX/XX/XXXX I wired the funds {$250000.00} as instructed to WELLS FARGO BANK XXXX XXXX, XXXX XXXX for the credit of his broker collection agent XXXX XXXX XXXX XXXX. I eventually received an account opening confirmation for the CD. 
On XX/XX/XXXX while in preparation for my tax filing and collection of my IRS 1099-INT I called XXXX XXXX XXXX on XXXX and found the number to be out of service. I immediately called XXXX XXXX, XXXX XXXX, WI who stated that they had no knowledge of my account and had no association with XXXX XXXX XXXX. I then called the FDIC who informed me that this was a known bank fraud and suggested I contact the CFPB. I later met with my branch manager at XXXX who instigated A RECLAIM OF THE FUNDS ON WELLS FARGO BANK- no response as yet. I also filed ic3.gov FBI report and have informed the CT Attorney General.
Consumer complaint received 2019-03-08
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: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX, I ordered several items from XXXX 's XXXX using my Synchrony Bank card. This order was broken into 3 shipments. On XX/XX/XXXX, one of the shipments was damaged in transit & returned to shipper. I called XXXX 's XXXX on XX/XX/XXXX to cancel it, since there was no indication of a new shipment. They told me their system would not allow me to cancel, & I told them I would refuse it unless it arrived in a few days. On XX/XX/XXXX, I called Synchrony at XXXX to dispute the total of {$57.00}. And, they opened an investigation. A letter dated XX/XX/XXXX arrived stating that all items were delivered, so I would have to pay. Two of the shipments did arrive, but the 3rd one ( for {$57.00} ) was delivered to somewhere in Texas. They sent me the XXXX printouts of all three shipments which clearly showed one delivered to Texas. The letter gave a phone number to call ( XXXX ) if I still wanted to dispute charges. You get a recording and can only leave your name & number. They promise to call back in 2 days. I called 4 times over a 2 week period. No one ever called back. I had also replied to their email asking if was satisfied, saying I was NOT. They did not respond. On XX/XX/XXXX, I called XXXX again. I told them I wanted the {$57.00} refunded plus finance charges on that amount. They told me they could not give me finance charges, but would refund the {$57.00}. I agreed, reluctantly. Later that day, I received an email stating that they would refund {$21.00}. They also requested that I return the items. I DON'T have the items. I simply can't deal with them anymore. While I did pay my last bill 2 days late, I paid all but the {$57.00}. Now, I want the entire refund - including finance charges. In all, I placed 7 phone calls to resolve this. Besides being inept, giving the phone number in the letter is a deceptive business practice which I believe is just meant to discourage any further action. I have recordings of all my calls, but not sure how to send them. It is so frustrating that they don't read their own documentation, that they won't refund finance charges, & that they use a bogus phone number for customers to call. This is unacceptable.
Consumer complaint received 2024-10-16
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. ()

Preface summary ( COMPLAINT ID XXXX ) Recently, I found that my Visa XXXX  card was unexpectedly declined for purchases on XXXX and XXXX. After contacting your company, I was informed that my card has been suspended in XXXX for 30 days and will be reissued after that period. However, I can confirm that there have been no violations of terms or any fraudulent activity on my card. Following this, the credit card company requested verification regarding the inability to obtain certified information about this lavender case, and I was asked to send my identification documents ( Case ID : XXXX XXXX ). Despite providing the requested information, I have not received any response since XXXX, which has been an extended delay. The original balance of the gift card was XXXX USD, and there should still be around XXXX to XXXX USD remaining. 

Current situation They stated that they sent me a check but I didn't receive it. I responded to their email but they didn't get any reply.I have sent letters twice.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

The Consumer Financial Protection Bureau is a government website design to assist consumers with their complaints and acts when laws or procedures are broken. On XX/XX/2019, I filed complaint no. XXXX. The servicing company claims to have responded to our complaint via mail. Be advised we never receive a response from the above mention complaint. The Consumer Financial Protection Bureau knows too well that ones a complaint is filed the company has 15 days to respond or request an extension. In this case, the lender responded to the Consumer Financial by making the false statement that had provided me with a response to our complaint via U.S mail while it never occur. The company deceived the Consumer Financial Protection Bureau and my self. There is no one above the law and I want to remind the Consumer Financial Protection.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AZ)

XXXX  continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, lexis nexus, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( XXXX ).
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (CA)

I am no longer able to pay down on my credit card because of high interest rates and high cash advance fees. I am XXXX and receiving XXXX payments. I do not have enough income to pay the monthly balance of my credit card. If you can please lower the interest rate and cash advance fees, if you can not do this then I will be forced to stop payment and allow the balance to go in collections.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

In 2018 i signed up for loan forgiveness program with XXXX. I was originally with XXXX. I saw the offer if you work for a public employer make 120 payments your loan will be forgiven. A few of my coworkers signed up. I filled out the necessary paperwork and submit the information. My information was approved my loans were transfer to XXXX in XXXX. I received welcome letters in XXXX. The way my account is setup is misleading on the account it states qualifying payments 0 and qualifying payments remain 120. It seem like i was enrolled in the loan forgiveness program. I made the first payment then waited with excitement for my numbers to change. When that didn't happen two weeks later i called. They stated that i did not qualify for the program without a clear explanation. If i didn't qualify i am not sure why XXXX took over my payments when they saw what i submitted before my loans were transfer from XXXX. Not sure if this is a poly to get business. I have been employed with the same city employer for 13yrs. I never received any notice that states i did not qualify or needed additional information.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I moved into an apartment called XXXX  XXXX XXXX  XXXX, and signed a lease with this apartments, sometime around when I moved out this apartments renamed themselves to XXXX   XXXX XXXX XXXX. after moving out the apartments said that I owed them money, which I don't agree but they say that I owed them a months rent, as well as late fees, and clean up fees. this amount they claim I owed was XXXX At some time after this they sold this debt to IQ Data International and this company repeatedly called me to collect this debt. 

Finally I got a lawyer to try and settle this debt, and they have sent a letter requesting an amount to pay, this amount includes interest, as well as a statement saying I would be charged annual interest at 6 %. 

I had never agreed to pay any interest to the apartment complex or IQ data systems. 

However the amount reflected on my credit report is much higher than the amount the apartment complex has said that I owe them. 

The IQ Data Intonational has apparently decided upon themselves to charge me interest as well as put this on my credit report, which is showing I owe around XXXX dollars which is well over the amount the apartment complex says that I owe as well above any amount this IQ data international company would be able to prove i owe with any debt validation letter or statement. They have just decided they can charge whatever they want without any legal basis. ( see attached files for the " debt validation '' as well as a statement from them ADMITTING they are charging me interest on a debt that's not legal for. also notice on my credit report they have reported an amount higher than the debt validation document that I have attached which is clearly an illegal practice by them ) Also I had disputed this debt with the credit agencies some time ago, and never received any documentation at that time or for months afterwards validating this debt, yet they have not removed the debt and have continued to call me to collect the debt. 

Also when they have called they have been quite rude and sarcastic. 

It is my complaint that they are breaking the law by placing on my credit report, as well as asking me to pay an about well over what they are entitled to, I have a letter from them saying they will charge me interest, which is not legal, and they have no legal basis to do this, yet they have done it. As well they have put on my credit report an amount well over the amount owed, which I can only assume is also some sort of interest penalty which is again not legal, was never agreed to and is a blatant disregard for state and federal laws which show this does not apply to an apartment complex contract.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Hello, I believe that Wells Fargo took advantage of me because I am XXXX-XXXX-XXXX. I think they tried to pull a bait and switch on methey enticed me with a 4.5 % rate, but then told me that they could only offer me 6.5 %, even though the facts never changedmy credit score was still XXXX. ( Something also oddthey told me that my FICO score was XXXX, even though their own service tells me it is XXXX. ) I applied for a mortgage on XX/XX/XXXX. I timely delivered all documents, and I never misrepresented anything. I was also given assurances that my appraisal fee would be refunded should the loan be declined. I locked in my rate at 4.5 %. 

On XX/XX/XXXX, I got a notice that I had document to be reviewed. It was a new rate lock at 6.5 %. I then asked for a refund. It didnt make any sense for me to refi at such a high rate when the mortgage theyve already given me was for 3.75 %. This seemed absurd and mean, so I think asked for my refund. They said they would process it. 

Today, I received a note from the mortgage officer that they no longer issue refunds. This is unfair.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (SC)

Every week on Thursday, I receive approximately 2-4 calls from XXXX XXXX   XXXX. I have told them three times I am not who they are looking for and don't know how they have received my number. They claimed all three times that they have submitted a form into their system, stating the number is not the correct number. When they call, it is while I am in the middle of a shift at work, and I now have to silence my cell phone to ensure I don't get into any trouble with my employer. This affects me because if my fiance has a medical emergency or something happens to one of my family members, I am unable to hear the call.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CT)

I got a phone call this morning and at dinner time from number that's called in the past claiming to be creditor collecting a debt. 
I didn't pick up phone and didn't leave a voicemail. They haven't called in a few weeks after selling debt to another company for consolidation and make smaller payments.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is starting to get very upsetting. CAPITAL ONE NA has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a capital one account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately
Consumer complaint received 2020-01-31
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. (NY)

I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, Transunion and XXXX  lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

From the moment my credit monitoring service alerted me that this debt was coming in to my account, I tried non stop to contact Designed Receivable Solutions , Inc . This company has been purposely ignoring all of my written requests to obtain legal proof that the debt belongs to me. They have failed to proof such thing because the debt does not belong to me. However, unlawfully still sent my account to collections damaging my perfect credit score. I am very stressed out and they are now causing me to have health problems because they fail to answer my letters and they debt keeps popping up every month as a collection on my credit report. This is very unprofessional and wrong, someone needs to check on this company.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

My bank account was closed with chase bank and I had deposited a check for {$47000.00} and it waa deposited into my account # XXXX and {$520.00} was taken to cover a balance that i had owed into a different account and then both accounts had been closed and this was XX/XX/XXXX that it was credited into my account and then XX/XX/XXXXmy account was closed and we have been trying for months to get this money back. We have been told twice that the check has been sent and this last week we had been told the check has not been sent at all, what? That makes no sense we have {$46000.00} missing and the bank has it cashed it and will not send back the funds? The check waa in my bfs nams he signed it and is fine if I get the funds of if they issue him the check but we keep going into chase bank with no real answer as when we will get our money! This is our money and we cant get it.
Consumer complaint received 2019-03-08
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: ID Analytics, Inc. (GA)

To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
Consumer complaint received 2020-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CT)

On XX/XX/2020, following a merger with Chemical Bank, TCF Bank updated mortgage loan information for customers including new loan numbers and the need to reestablish online profiles. XXXX A letter from TCF Bank to customers dated XX/XX/2020 was ambiguous & contradictory about the steps customers were to take next : noting both " if you have authorized automatic direct payments from a savings or checking account from TCF bank or another bank, there is no need to do anything. We will continue to process your payments without interruption ; '' as well as " Any payments you previously scheduled to be paid on or after XX/XX/XXXX will no longer be paid. You need to reschedule the payments after enrolling in the new service. '' To confirm, despite the contradictory information provided by TCF, all customers with recurring/automatic payments were required to reenroll. // Upon reenrolling, customers have two payment schedule options : pay the statement/invoice amount on pay date ( TCF does not offer another date option ) or pay a fixed amount at a fixed interval. After enrolling to pay the invoice amount on each due date and having the subsequent automatic payment fail, I contacted TCF customer service on XX/XX/2020 to determine the cause of the issue. // After a 1 hour 40 minute hold time, I was informed by TCF that their automatic payment functionality did not support invoice amount payments and that the relevant section of the website was not functional. When asked if XXXX had plans to make this clear to their customers, they made no such disclosures available. // When asked how TCF planned to rectify late charges for customers who thought their payments would be made on time due to automatic payment enrollment, TCF noted that customers had an 11 day grace period to rectify their issue on their own but that the failed automatic payments were not TCFs responsibility. // Finally, when questioned about why TCF statements do not reference the 11 day grace period, the customer service representative responded that TCF intentionally omitted those details, " because otherwise people won't pay their mortgages on time. ''
Consumer complaint received 2020-01-30
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TN)

I notice 3 negative items from Jefferson Capital System LLC on XX/XX/2020, each was for some alleged debts of :XXXX, and XXXX.These are debts that i do not owe or recall having.I sent them letters concerning the negative items that i have not received certified mail with return receipt for proof that they received the letters in case of legal issues
Consumer complaint received 2020-04-27
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. (IL)

I received alert from XXXX about an inquiry on XX/XX/2020, in XXXX, which I never made. It used Equifax for the credit report. 
I attempted to dispute with Equifax and I was directed to file a report here before I can submit a dispute with Equifax.