davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2017 I withdraw {$200.00} dollars ( XXXX {$20.00} XXXXr bills ) out of a Wells Fargo ATM machine located at XXXX XXXX XXXX. XXXX  of the {$20.00} XXXX bills dispensed by the ATM was mutilated missing about XXXX of the bill. I immediately called Wells Fargo to inform them, but they redirected my to my bank XXXX XXXX XXXX XXXX because they said " I do not have a bank account with Wells Fargo. '' I then called XXXX XXXX and filled a claim with them. After about 2 months of not hearing from XXXXXXXX XXXX, I finally called them and was told that no claim had been filled back when I called in XXXX. A claim was finally filled then, and after waiting 2 additional weeks I finally got a letter from XXXX XXXX stating the following : " We are unable to file a dispute for a torn bill. The dispute process governs the results of the transaction, not the condition of the bills provided. 
We regret that we are unable to assist you with your dispute. If you wish to pursue this matter further, we suggest that you contact the merchant directly. As of the date of this letter, your dispute claim has been closed. '' After reading this letter I called XXXXXXXX XXXX for further explanation and was told that they are not responsible for the condition of the bills or money dispense by other ATMs, including Wells Fargo, and was provided information and website on how to contact the U.S. Department of Treasury for a bill exchange, and/or was told that I could try to discuss the matter further with Wells Fargo. I then called Wells Fargo and was told by 3 different individuals that they are not responsible for the condition of the bills/money they dispense because the ATMs are serviced by third party companies who have their own procedures, and that they could not file a claim for my complaint because I am not a XXXX XXXX costumer. I was again provided information on how to request a bill exchange with the U.S. Department of Treasury if I so desired. 

I would really appreciate your assistance in trying to understand, how is it that banks are not directly responsible for the quality of the money/bills that they dispense out of the ATMs? Why does Wells Fargo charge me a transaction fee if they are not going be responsible for malfunctioning of the ATMs? I would really hope this is not true or else what assurance do we customers have that we will be properly refunded if the money dispensed is not in an acceptable condition or there are any other problems during a transaction. 

Thank you in advance! 

XXXX
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to Ally Financial. When I turned the vehicle in, the balance was and had always been paid in full, except when Ally refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to Ally but they are still reporting a negative account on my 3 Credit Bureau Accounts.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

Since the beginning of the loan we have paid at least one month in advance to reduce the high interest charged by Santander. Monthly statements would indicate that the next payment was due in 60 days not 30. Since receiving the XXXX statement, monthly statements indicate payment is due in 30 days. We have spent numerous hours trying to straighten this out. Today, a manager told us that the company has made changes to " prevent customers from paying the loan ahead ''. The manager says that there is nothing we can do, and prepayment are not being applied. We have prepaid for six years!
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
Consumer complaint received 2018-03-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL INC (CT)

In XXXX of 2018 I was contacted by the debt collectors, Coast Proffessional Inc, about a payment arrangement to settle my defaulted student loan. I agreed to the terms and the payment plan which was {$37.00} a month and they would stop my paycheck garnishment and get my loan out of default. Despite our agreement Coast Proffesionals Inc took my Federal income taxes of {$4300.00} even with me paying my {$37.00} a month as we agreed. I am a single mom who has lost her job as of XX/XX/2018. I have no other way of supporting myself and my child. I called Coast Proffessional Inc and discussed this with a manager. He let me know that I should have received a notice that this would happen but with me telling him I never received such notice, all he could do was be rude and repeat that I was still in default even though I am on a payment plan. As I stated above, I am a single mother with no income. My daughter is still in diapers, needs food and is starting school soon. It is not fair to leave us stuck in this bind without notice.
Consumer complaint received 2018-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My loan qualifies for public loan forgiveness and the loan servicer is not properly including my total number of payments towards loan forgiveness. I have called and filed requests numerous times. The first request ( employment verification ) was filed in early XX/XX/2017. When I called on the status of this request they stated the had not properly filed the paper work and I would have to refill. I re-submitted the form in XX/XX/XXXX and they stated it would take 60-90 days to process and count the payments towards loan forgiveness. It has now been 7 months and they have still not completed the request to count all my payments. 

Each time I call they say they are working on it but I have yet to see any results.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANKERS MORTGAGE LENDING, INC. (FL)

This complaint is about Bankers Mortgage Lending Inc. who are involved in unfair lending practices. We bought a new construction home from XXXX XXXX in XX/XX/XXXX. The lender approved our mortgage based on unimproved property taxes and no CDD fee. They estimated our taxes to be XXXX and they are over XXXX. When we paid our taxes in XX/XX/XXXX our escrow account was short XXXX and our payment is set to increase by over XXXX/month. We are not alone. In speaking with numerous neighbors with XXXX XXXX financed by this lender they too were short and payments have skyrocketed. In one case he has an increase of XXXX/ month. None of us were informed by the lender or XXXX XXXX that our payments would be going up. Seeing as they are the preferred lender for XXXX XXXX they have done numerous mortgages here in XXXX county, it is implausible that they did not have a better idea as to what the tax rates should be. I believe this was done purposely in order to have buyers qualify for higher mortgages and to help sell more houses for XXXX. Numerous people are now having to refinance or sell their homes because they can't afford the payments.
Consumer complaint received 2018-02-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I sent the letter below via Certified Mail to Equifax. Equifax notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Equifax over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX   XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

This issue has been unfolding over the last few weeks of XX/XX/XXXX, 2018, through early XX/XX/XXXX, 2018.

I maintain 2 checking accounts with US Bank. One is tied to my debit card and used to pay off credit cards. The other is rarely used, and thus has a low balance - under {$500.00}. I have had both of these accounts for around a decade. 

Last, I have a credit card through US Bank, for which the balance of about {$1000.00} was due in mid to late XX/XX/XXXX, 2018. 

I have purposely never had automatic payments to this credit card because I often pay it through outside checking accounts, but this time, US Bank 1 ) turned on automatic payments ; 2 ) turned on auto-payments only for the checking account with a low balance ; 3 ) did not turn it on for the checking account I generally use ; and 4 ) did not enable their system to pull funds from the larger account when the smaller account was exhausted, which it was.

I woke up to find a {$600.00} overdraft of the smaller account, and the larger account untouched, so I called US Bank and had them 1 ) reverse the payment ; 2 ) turn off automatic payments ; 3 ) enable overdraft protection such that if I attempted to overdraft the smaller account, it would pull from the larger account rather than overdraft ; and 4 ) reverse the overdraft fee.

This all seemed fixed until a few days later, when I found out that even though they reversed the overdraft fee and payment, that they forced the same payment to happen, and it overdrafted again and charged me 3 overdraft fees - the first, a {$25.00} extended overdraft fee from the first issue ; a new {$36.00} overdraft fee, and a third extended overdraft fee. 

I called them shortly after ( this is in the last days of XX/XX/XXXX ), to which they replied that they simply didn't do what we had discussed, despite agreeing to it. They did not stop that one account from automatically paying the credit card. They did not enable it to pull funds from the larger account when it was exhausted, and they continued to pile on fees. 

It would be a simple matter of phone calls except for their XXXX having made my car payment bounce. I have the funds, I guess I just don't get to control how they are used. 

I called today, XX/XX/XXXX, to which they claim to have fixed the problem. I am doubtful.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (TN)

In XX/XX/XXXX, 2 letters were delivered to Curo XXXX and XXXX  stating that an old inquiry still hasnt been removed from my XXXX Credit Report. Curo XXXX completed a credit report inquiry in XX/XX/XXXX. XXXX should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

From XX/XX/XXXX to XX/XX/XXXX I have been making weekly payments of XXXX to my auto loan. I set my loan up for XXXX to apply to payment and the rest to principle. In XX/XX/XXXX and XX/XX/XXXX capital one applied multiple payments directly to principle without my knowledge or premission. I was not notified of the reallocation and/or my payments were not rejected. For months I assumed my payments were being applied as I directed until I was charged a late fee XX/XX/XXXX. In XX/XX/XXXX I called to inform them that I paid this bill in advance and didnt understand why I received a late fee and that I couldnt make another payment for a week or so. When I called to inquire about my advanced payments and late fees, I was told I never paid in advance and my payments were applied as I asked and I missed payments thats why I was charged the late fee. To resolve the problem one agent moved my payment ahead a month and told me someone would be in contact about the 30 days late. No one called and nothing was changed. After persistent calls to capital one and a payment by payment review, that i could not do myself because they blocked my transactions on my online statements, I was told they changed my payments from what I allocated them as to complete principle payments and I was told I was paying my loan to far in advance. When I asked why I was not notified or sent the payments back they stated that is not capital one policy and I do not have to appove them changing the way I requested my payments to be applied.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Last name is XXXX. TransUnion is refusing to update my last name from XXXX even though I have called numerous times and have provided all documentation they requested and last I spoke with TransUnion they said they could not update it. This is frustrating that I can update my own information to be correct
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (GA)

Good Morning, Since XX/XX/XXXX I paid the balance in full on account held at XXXX   XXXX for a prior unpaid debt of {$690.00} related to a XXXX bill from 7 years ago ( the account was originally one from XX/XX/XXXX ). I have cordially spoken with XXXX  XXXX representatives on multiple times over the past few months. I have requested the following information from them but have not seen any results despite each representative agreeing that they would see that the matters are taken care of : 1. I have requested a receipt that shows that I paid this balance in full to them ; Even after verifying with them that they have my correct telephone number, current mailing address, and email ( on the last 2 occasions, the representatives promised that they would escalate the issue to a Supervisor and that I would be emailed a receipt for the payment on the same day that I placed the call to XXXX XXXX ) 2. I requested that since the debt was paid and the account is 7 years old, could they please send updated information to the credit bureau to show that my account is paid in full instead of it being listed as unpaid ( I have checked my credit reports from all three major credit bureaus and Equifax still shows this account as being in collections with an unpaid balance of {$690.00} ). 

3. I requested on the last 2 occasions that they please provide me with a Deletion Letter, of which on both occasions, the XXXX XXXX   representatives that I spoke with both said that a Deletion Letter being sent to me would not be a problem and that they would get that sent to me. The last time I called, the representative even told me that she could have that letter emailed to me. 

Of those 3 requests that I made for this paid debt, I have not received any response that they agreed to during the phone conversations. This is very frustrating. 

I have made calls to them at the following dates and times ( Eastern Standard Time ) recently : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 3 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 4 ) XX/XX/XXXX at XXXX XXXX  spoke with a person who identified themselves as a Team Leader at XXXX   XXXX at XXXX I included these dates and times as well because these phone call likely have been recorded for quality assurance.
Consumer complaint received 2018-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and TransUnion Credit Reports.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX for XXXX XXXX is reporting a dept. I disputed with all three reporting agents. They said debt was valid. i called XXXX XXXX and XXXX XXXX. nether of them can provide any documents showing where I signed anything for this debt or what this debt is for. Midland account number is XXXX balance is XXXX date opened was XX/XX/2012.
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed iloan of our finicial hardship. We ask iloan to work with us and informed iloan of our goal to avoid XXXX XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need iloan to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. 


I also let XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
iloan has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail iloan refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 

iloan is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX XXXX by lowering my interestrate and montly payments. 
I feel taken advantage of by iloan I feel iloan took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. 

I will add I was never sent a default letter my email nor by mail, iloan is forcing me into XXXX XXXX bankruptcy by refusing work out a repayment plan.
Consumer complaint received 2018-02-02
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. (MD)

THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, EQUIFAX, XXXX ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent XXXX company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.