davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

I opened an account and for some reason it was always going over and having fee 's that I didn't do and my account was always overdue and I would have to pay the over draft fee 's and I was missing money from my account and my card was always frozen so it was very stressful my bills were not getting paid due to the over draft fee 's and my frozen account I got behind on bills and lost a lot of my life
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: General Motors Financial Company, Inc. (VA)

In purchasing the car from GM Financial, I was clear about not wanting a lease with a balloon payment, quality of the car ( no unreported accidents and/or issues ), an affordable monthly amount, and hidden fees. I purchased the car for approx. {$20000.00} in XXXX. In paying over the years, I continuously questioned why the term amount was not changing yet I was paying almost $ XXXX for a XXXX car only worth {$20000.00}. I also found out after purchase that there were issues with the car including active recalls. The car has been steadily declining and the cost continues to be exorbitant. I've tried to refinance with the finance company multiple times. After two years and multiple agents, I finally started to make headway with completing the refinance promised. Just prior to signing, I realized that I again received misleading details regarding how the refinance would extend the loan not create better terms. During that period, they repossessed the car twice almost doubling the amount due at the time. I was told in XXXX upon last repo, that the payoff amount was approx. {$10000.00}. In the agreement to retrieve the car, I questioned how long before the car would be paid off now having entered the 5th year and still owing half the original amount. I was told that now that all the finance charges were paid, my payments would go towards the principle. However, now in XXXX, I am still paying the same amount monthly and my principle is STILL {$10000.00}!! I have begged the company to explain and assist, their only response is to threaten to repossess the car AGAIN. Even while the payments were within the month due. 

I feel I was misled and lied to. Consumers should not have to be victim to such treatment simply because our credit score is low. It is unfair and shameful that companies can get away with this. I have no idea how this car will ever be paid off. I feel like I keep paying and my principle is constantly staying the same. After 6 years, I still own half of the original purchase amount.
Consumer complaint received 2020-01-16
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. (NV)

This will be my third time disputing which the first time was in XXXX and the second time was in XXXX. The third time is in XXXX and I am requesting to take this account off my credit report for inaccurate information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor and provided Transunion with the account information that's being reported on my credit file that was given to me by the bureau inside my next dispute through nail. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. The balance would be {$17000.00} as you can see in the documents i have. Date of last payment made was ruled as XX/XX/XXXX on Transunion which is also incorrect per the creditor documents. The last payment was made XX/XX/XXXX. There is stuff that is inaccurate that Transunion has two times to verify it. FCRA states that if any information is reported inaccurate it has to be removed from the credit report account # XXXX
Consumer complaint received 2020-01-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have requested in writing to Carrington Mortgage that my PMI be removed from my loan. 
My balance is less than 78 percent of the original value of my home. and about 45 % less than the current value of my home. There is no reason for me to still be paying the PMI charge each month. Carrington Mortgage does not automatically terminate PMI on the date when your principal balance is scheduled to reach 78 %. My loan is up to date and the PMI should be terminated. 

The Consumer Financial Protection Bureau states : Automatic PMI termination Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.
Consumer complaint received 2023-01-22
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. (TN)

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to experian, XXXX, and XXXX, and all 3 said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2015 I attempted to open a XXXX savings account with some XXXX XXXX monies distributed, in only amounts of {$500.00} XXXX currency cheque distributed, but my funds were never received or cleared due to theft from the Branch Manager at the time. I was totally ignored and discriminated.and now I am unable to bank at any bank XXXX Oregon anywhere because of this dishonest and discriminating act on a XXXX XXXXXXXX XXXX! And how our monies get handled... please help with this. Nobody will assist or listen to my complaints for years, I'm absolutely furious.
Consumer complaint received 2023-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I was approved for XXXX funds in XXXX for XXXX payments of {$100.00} for my home equity line of credit. Last payment Flagstar posted to my account from XXXX was in XXXX, and nothing since then. XXXX is sending the payments every month, but Flagstar is holding the money and never wrote an explanation to what is going on and why.
Consumer complaint received 2023-01-22
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. (IN)

On XX/XX/2023, there was written correspondence ( XXXX XXXX  ) sent to the Credit Reporting Agency Experian. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Experian decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Experian being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC (IN)

A bank employee accessed my password protected account without my permission and did transactions without my permission and the CEO wants me to be responsible for what employee did and when I disagreed they turned me over to the three credit Bureau and ruined my credit and on credit sesame they turned me over for XXXX $ in XX/XX/2022 and there is no XXXX $ issue
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date Opened-XXXX XXXX XXXX Account type : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Date Opened-XXXX  XXXXXXXX XXXX Account type-Collection
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (LA)

I am just received this stating that this is my debt. This is not my debt. I have never in my life had XXXX XXXX XXXX. I have been with XXXX for XXXX  years for my phone, cable, and home internet. I have never had or signed up for XXXX. This is a result of identity theft or mistake identity. This debt does not belong to me.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

The complaint is about Chase Bank. I received a text message stating that my bank account has some fraudulent activity. There was a link on that text message. I clicked on the link it took me to a Chase login page. The page had to chase logo and a place for me to put my login and password. I put in my login and password and Nothing happened so I put in my login and password again still nothing happens. I thought it was weird but since my credit cards were still working I didnt think much of it and continued shopping. Then I checked my checking account after this happened there was money sent using XXXX to some unknown place. I immediately called Chase customer service told them what happened they inform me that my bank account has been compromised. I followed the instructions they gave me which was to make a claim and go onto the bank and make a new checking account. I did this immediately Right after I hung up the phone with Chase. I had to change my direct deposit and all my automatic payments information. I have been banking with Chase for years I have many accounts with them. I finally got a letter in an email after about A week. The letter stated that there was no fraudulent activity that they found. I told them I did not make this transaction and Chase told me that there was nothing they can do. They said that I can go to the police and the police can help me. The police are not going to find time to find out who hacked into my account and took {$300.00}. I was hoping more from my bank. The bank tells you all these things that they will do for you when you were looking for a bank account and now that something has happened they can not help me. I have never sent money to this vendor and I have never had this happen on my account, i have never been late on any payments. I feel like my bank is not helping Me and somehow this is my fault.
Consumer complaint received 2020-01-16
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. (FL)

My information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. Thank you.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-01-16
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)

There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on Equifax with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

On XX/XX/2022 I accepted an offer from fifth third for a balance transfer to the XXXX card with a XXXX percent interest for XXXX months, due to a processing error fifth third is now refusing to honor the rate. 
In early XX/XX/2022 I had an issue with my autopay where it paid the balance on my fifth third twice, deducting the statement balance that I had already paid. This took a long time to resolve due to the unresponsiveness of the branch XXXX at that time, I subsequently stopped the auto pay on the XXXX card because of potential errors and slow response from fifth third. I paid off the balances prior to the transfers so there would be no interest or payment required for the remaining promotional period. 

On XX/XX/2022 I received a notice from fifth third for insufficient funds, stating an auto payment of the full balance on my XXXX card can not be processed because it would overdraw my account for over XXXX to pay a balance that wasnt due for another XXXX months. I immediately contacted fifth third and was told the payment would be stopped. the payment ended up showing as processed then reversed even though there were nowhere near enough funds in my checking account to cover the payment. 

After waiting over a week with no response and contacting fifth third again I was told by fifth third because the payment is perceived by their system as balance paid and new credit issued, they started to charge me interest on the balance transfer and theres no way to remedy the error and refused to honor the XXXX percent rate. 

It's absolutely ridiculous to consider the return credit as new credit issued, I received email communication which i have can forward to you on request form fifth third clearly stating the payment was not made. So how can the act of correcting an error be considered a payoff of existing balance and new credit taken out if there were no funds available complete the payment in the first place?
Consumer complaint received 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX, I received an email communication from Bank of America stating that my Online Application is in progress for the XXXX XXXX XXXX XXXX  Account, in which I did not authorize this online application. I immediately forwarded the email to their fraudulent dept. informing them that I didn't authorize this application and to please contact me asap. On XX/XX/XXXX, I received another email from Bank of America to confirm my email address. I forwarded that email as well to their fraud dept. asking them to not proceed with this application and to call me asap. I also called the number that was provided in the email, stating " If you don't recognize this activity call us at XXXX '', but of course I was unable to get through to their XXXX XXXX. because you have to provide an acct # ( that I did not have ). On XX/XX/XXXX, I sent another email following up with Bank of America asking them to call me immediately to discuss this account that was opened without my consent. No one has ever responded to the emails I sent nor have I ever received a phone call back from them. At the end of XXXX, I started receiving statements from Bank of America for XXXX XXXX fees of {$4.00} for this account. 
Today, XX/XX/XXXX, I called the XXXX number, again, provided on the statement, spoke to a customer representative and asked to be transferred to the fraud dept. After the transfer, you are sent to automated recording informing you that your case has been opened, your debit card has been canceled and they will monitor the account for 14 days for transactions. They do not let you speak to anyone about the account to explain what has transpired, there's no way to open an investigation with them, nor have the acct closed immediately. It's been XXXX!!
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

My address is inaccurate. I only live at XXXX address have live there years and I only have XXXX name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a XXXX bureaus. XXXX, Equifax, and XXXX.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

Money was stolen out of my account back in XXXX to XXXX and I told them about the problem but they never did anything about it telling me that its going to be fixed by a bank manager higher up in corporate office but its XXXX and Im still dealing with the same issue. All the money I was making during the time working at chick fil a and was being took out my account like someone else had access to my account. This bank name was Wells Fargo. I was young at that time and I didnt have any help in getting my money when I first started working at XXXX XXXX XXXX in XXXX, but now that Im older I can get the help and representation I need to get my funds back.
Consumer complaint received 2023-01-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (CA)

On XX/XX/23, I opened a Rewards Checking account with Upgrade Bank, under the guise that I would be able to utilize all the promised features of this new exciting account including mobile check deposit, cash deposits, and debit card deposits to my new account. 

Upon opening, I was distressed to find that I was unable to use any of these aforementioned and promised features even after receiving an email stating these features were available to me. Appalled, I phoned in to Upgrade three times and was advised by a supervisor that he has no idea why these features were unavailable and could tell me no more. 

At this time I remain appalled and shocked at this companys horrific false advertising as well as abhorrent customer care with managers who refuse to speak to their customers and are clueless as to the inner workings of this bank. As such, I demand immediate access to the mobile check deposit feature as guaranteed to me on a recorded call with an agent on XX/XX/23, as well as urgent contact from Upgrade Executive management.

This matter is extremely time urgent, and this bank must be held accountable for the false pretenses under which they draw customers in and immediate resolution is merited. 

Thank you kindly.