davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (TN)

On XXXX my wife and I obtained a {$100000.00} line of credit from our local Truist branch. They were SunTrust. We have had 2 accounts there for over 20 years. Loan originator was XXXX XXXX. We were very clear that whatever XXXX  we got had to be at a fixed rate. XXXX XXXX assured us the XXXX was at a fixed rate of 3.99 %. We did not have any issue with that. We were remodeling so we were needing to take a certain amount out at irregular times. {$20000.00} here, XXXX there, etc. Again XXXX XXXX assured us this was going to be OK. We made our first withdrawal and the % was XXXX. We made a second withdrawal but the interest rate went up to over 6 %. We made two more withdrawals but those interest rates went as high as 8 %! We called to inquire and was told that the entire {$100000.00} was NOT all at 3.99 % and it would vary. We explained that we took fixed rate. All our papers say so. Over the years we have had several loans, all at fixed rates. Even with this bank. Truist says otherwise but can't prove it. They have not supplied any documents that we signed or even not signed. IF they are correct it was not explained to us by XXXX XXXX. We were VERY clear what we wanted. On XX/XX/23 we called Truist and asked for a XXXX. At this point I want to advise that staff at the bank has been extremely minimal. XXXX XXXX was no longer there so we spoke to the apparent manager, XXXX XXXX who is now at a XXXX branch XXXX XXXX XXXX XXXX XXXX. We started with him at our local XXXX branch before his transfer. He could not verify their position with anything except just saying so. We gave him a week to talk to his higher organization but the answer was they would do nothing except out the rate down to 7.99 % if we pay it all off. Since the change from Suntrust to Truist, this bank is the worst. We closed one account and opened another but they never closed the old account. Our Social Security payments were affected. We can't use XXXX XXXX because it's still tied to the old account but also the new. However we can't pay from the new account for whatever reason. 
At this point we have tried to work with the bank but as I described they are not being cooperative. 
We appreciate any help you can offer.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

During numerous mortgage modification attempts we were denied approval. However, after many attempts on one occasion when we were finally approved the terms ( interest rate / added funds ) in the modification documents were different than what we were told by a Wells Fargo Home Mortgage specialist. Additionally the amounts added to our outstanding mortgage balance were never disclosed in the modification documents.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (OH)

i had a debt in collections listed under the name LVNV FUNDINC LLC that i won the judgement against and had removed from my credit report in the amount of {XXXX Now this company is putting me back into collections again for the same XXXX} that i won a judgement against them for, but under a new company name listed as XXXX XXXXXXXX So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately
Consumer complaint received 2023-01-23
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: Chime Financial Inc (GA)

I paid for flight when came to catch my flight the next few days later they wouldnt let me board my flight due to verification of my card once the lady got my card to verify the information the gate closed and I missed my flight but not only did she verify the card information but she charged my card again for the same amount of XXXX I then dispute the charges the flight company refund my original payment but I did not get my other money back my bank then approved my claim and its been week since they did so and no funds put back into my account I been calling a week straight and they keep telling me 24-48 hours and here we are on week 2 I spoke to supervisor and everything they are not doing anything to get me my money back I keep me told the same thing everyday but nothing being done and the claim was approved I have bills to pay and its starting to stress me out its only XXXX CHIME needs to do better
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This relates to CFPB Complaint XXXX and Specialized Loan Servicing falsely claiming that they are waiting on XXXX XXXX XXXX XXXX XXXX XXXX ) to remit the {$1500.00} payment that I am owed from the cancelled upfront PMI policy. I called XXXX today, XX/XX/2023 at XXXX XXXX XXXX and spoke with XXXX XXXX who told me that the refund payment was already issued and that SLS should have already received the payment. SLS stated as recently as XX/XX/2023 through a phone call from their executive office that they had not received the payment from XXXX and that SLS has no estimate whatsoever of when I should receive the payment. SLS has been deflecting blame onto XXXX, which XXXX has asserted is unwarranted. I think it is very plausible that SLS already has this payment but is too negligent to actually remit this to the borrower. 
In addition SLS charged me a {$100.00} fee for the XXXX, which I paid on XX/XX/2023, but their system keeps showing that payment as unallocated and past due. I have contacted SLS through their portal asking them to properly apply the payment to the amount due, and they have yet to do so. 
At this point I have had to file countless CFPB complaints to get SLS to do their job. They need to actually take ownership over issues.
Consumer complaint received 2023-01-23
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. (PA)

I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! EXPERIAN, XXXX AND XXXX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts 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 the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

This company XXXX, I have never heard of this company before let alone know what they do, they say I opened an account with them 7/8 years ago in which I did not, asked for proof they told me they sent nothing ever received in the mail or email pertaining to this. Worked with XXXX  to get this removed off of credit because it meet the statue of the 7 year limit because it has hurting my credit in the collections portion, Ive tried for years to get this removed got it and now its back on my credit as if I opened another account and didnt pay this fraud and identity thief I believe my information was sold on the web. Im going to be buying a home soon and this hurts my credit.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. ATTACHED
Consumer complaint received 2023-01-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (WA)

Contacted me on XX/XX/22 about a debt owed to XXXX XXXX XXXX XXXX Stayed the debt owed was {$800.00}. Threatened to hang up the phone in 3 minutes without answering questions about the debt because their phone system hangs up automatically at that time.

I submitted a written dispute as well as disputed the debt through a link that they provided. Received no response other than the fact that they checked with XXXX and verified I owed the debt, however, no information about when the debt was incurred or what it was for was provided. 

Not wanting the debt to be listed on my credit report, I paid the debt anyway. Debt collector has refused to issue a paid in full letter or any kind of receipt despite verifying over the phone that the funds have been received and posted to my account.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (GA)

XXXX I was a Wells Fargo customer, I had a regular checking account, I received what I thought was a check/ debit card a few months after I had opened a checking account, i assumed it was a mistake and they had sent me another XXXX debit card. I called and activated the card, and found out I had XXXX limit. Moving forward at that point I did use the card and I did pay it in time. The account was closed soon after, not by me but by someone in the credit dept, I had got a auto loan for a XXXX XXXX, it wasn't much, XXXX, when I went to sign up, my payment went from XXXX month to XXXX months, I wasn't good with that and was told to make the first payment and then they would redo the loan and get me where they said it would be originally, I went back after the 2nd payment to talk to the lady, she was no longer their, the man I spoke to told me he was sorry but couldn't help me, after several calls to that man, he left the branch also, I told them I wanted my original deal I was promised,, about 3 months later they came and took it in middle of the night. A them fees and all the credit card XXXX  XXXX they put me through was stupid. I put XXXX down on the XXXX and lost that and lost all the insurance I had at my expense that I paid Wells Fargo for. I will never so much a look at any XXXX of them shady places again to ever do business with. Every thing they told me was a lie, then to top it all off I was paying for a saving account I didn't agree to, and I business checking account that I was paying a charge that I didn't want of need. I didn't have a business at the time, I worked for someone and had direct deposit ever wk going to my account.
Consumer complaint received 2023-01-23
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. (TX)

I have no knowledge of this card. I never applied for it. The report says I applied for it in XXXX and around that time I had applied for mortgages around that time and some of the companies ran my information outside of my the ten day window. Therefore the inquiry didnt stand out to me back then. I got wind of this when the harassing phone calls and then it reported to my credit in XXXX. This is very discouraging because Ive tried to talk to them and they just keep saying they have my information so its me.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

Opened a HOME DEPOT.COM XXXX credit card and on XXXX XXXX XXXX charged a purchase for {$22.00} Received email with bill. I asked what is best way to pay. No response after several requests. 

On XX/XX/XXXX A late fee was added LATE FEE {$22.00} On XX/XX/XXXX PAY-BY-PHONE PAYMENT XXXX IL {$22.00} But only {$22.00} was actually paid. 

Stopped using the card. 

On XX/XX/XXXX statement read Minimum Payment Due {$46.00} Payment Due Date XX/XX/2020 XX/XX/XXXX statement does not show XXXX payment. 

Also not allowed to make full payment XXXX online through my bank. Only allowed if Autopay is selected. 

Have attempted to cancel card but no response. 

This HOME DEPOT credit card is deceptive and website is difficult to use .This in my mind constitutes predatory practices.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXXmy 5/3 college checking account was debited $XXXX  for an "account dormancy" fee but I never received any notifications, phone call, or email from 5/3 regarding this. I emailed their customer service and XXXX XXXX replied with this message: 
"Thank you for contacting Fifth Third Bank. Your checking account ending in XXXX has become dormant. Electronic transactions cannot be performed to or from dormant accounts. Please consider making a mobile deposit, visiting a local Banking Center to make a deposit into the account, or withdrawal from the account. 

You may refer to the branch/ATM locator on the www.53.com website for Banking Center addresses and telephone numbers. It can be found on the top right corner of the homepage. 

According to the Dormancy Rules and Fees in the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet:

"An account becomes dormant after a period of inactivity of 12 months for a checking account and 36 months for a savings account. Inactivity means there has been no deposit into, or withdrawal, from the account. See the Fee Schedule contained herein for the fees associated with dormant accounts. Bank reserves the right to close an account if there is a XXXX balance and no activity for a period of time."

Once an account becomes dormant, a statement is sent notifying you that your account has been placed in dormant status. In addition, an annual statement is sent to all accounts in dormant status in XXXX of each year.

The dormant account monthly fee is $XXXX."

When I tried to withdraw my funds so I could close my account, I discovered it was impossible. Also going to a local physical 5/3 branch is impossible now due to coronavirus. So essentially 5/3 is holding my funds hostage and at the same time robbing me of my own money.
Consumer complaint received 2023-01-23
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: Velocity Portfolio Group (NY)

XXXX, XXXX XXXX XXXX, CKS PRIME INVESTMENTS LLC and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Consumer complaint received 2023-01-23
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: Bread Financial Holdings, Inc. (MA)

I on XX/XX/XXXX I waited for 45 minutes for the BJ Card issuer to pick up the phone to report a fraudulent transaction Commedity Bank. On XX/XX/XXXX I bought gas at XXXX in XXXX NH and recognized a charge in the amount of {$14.00} there was a second fuel charge in the amount of {$120.00}. That is inpossible and a charge for fuel that I can't put in my car a XXXX XXXX which has a total fuel tank in the amount of XXXX gallons. I received a bill of the XXXX. I have several concerns since XXXX is terminating its relationship with Commodity and switching to a new issuer XXXX XXXX on XX/XX/XXXX that they have a conflict in removing this charge. For fuel that I could not have charaged. Second based on looking at the card and how it's supposed to sync, often the rewards were not timely posted so I had to have credit purchase used when rewards earned were unable to be redeemed. I used the {$10.00} reward option smallest size and based on there web page I have several that may expire. That latter one is likely and issue affecting more people. I included the letter I had to send to dispute the bill my auto registration the credit card statement transaction and basic facts on fuel tank capacity of the XXXX XXXX XXXX. Gas was I believe XXXX a gallon day of purchase with the card XXXX cent discount.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Accompanying by the name of XXXX XXXX send me a check for XXXX dollar, Bank of America said that the check never cleared, I contacted the company and they said they have no idea that they send the money already, they said the money never cleared in it overdraft the account and they closed the account
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WA)

This bank, PNC bank, took over my XXXX Bank online account over a year ago. They sent mail from PNC bank, with whom I had no existing banking relationship, so I was never made aware that they took over my account until I attempted to log into it and was rerouted to PNC bank online. I was never able to log in there, and I attempted to access the account customer service unsuccessfully because they refused to identify themselves or the contracting companies they worked for before I would give them PII ( Personal Identifying Information ). As such, all my access to my account and funds has been cut off. What's more, they request I give them my phone number verbally so they can verify it is me by sending me a verification code. When I asked them how that was secure since they are asking me for the number to send a verification code to, they got angry and told me this " being difficult '' is why I have not received service in the past and then they hung up. 

They insist that I go into a branch during my working hours, to deal with this. I have never banked with them and they will not have a record of my at any branch. I am unaware of any local branches either. 

They have been stealing XXXX dollars per month from my account for about 2 years, and I have no access to it to withdraw or transfer it to an account with a banking organization that I choose to do business with. They refuse to grant me access to said account either.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Subject : filing complaint on This credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company Around the beginning of XX/XX/2022, I disputed several accounts on my Credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NC)

I have a business credit account that I used to pay taxes at the end of the year. I called to verify that nothing was on this business card prior to me using it and there was a XXXX balance so I paid taxes using this crrfit card for the year 2019. After I paid the taxes I took {$5000.00} cash to the bank to pay the card off off. I continued to receive statements stating I owed this money after it was paid off. I contacted Wells Fargo with this complaint and was told they could not go this far back and tell me what the charges were from years earlier and this was because the card already paid off. So I have paid this money off that was already paid in cash. Unfortunately at the time, I didn't have time to dispute as I would have normally done and didn't want anything on my credit so I just paid it. We have been doing business since the XXXX days and I have never been so disappointed and is actively looking for someone else to take over our business accounts. This company gets more disappointing yearly with fraud and abuse. Although, I feel this will still never be addressed as previously at least I have made the company aware.