davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (WI)

I received a letter from US Bank, the issuer of my VISA credit card. US Bank is raising the interest rate on the card to almost double what it was. Not because we were late with a payment. We have NEVER missed or been late with a payment since we 've had this card which is over a decade. No. They are grossly raising the interest rate because our balance is too high in proportion to our credit limit. Now here 's where the complaint comes in. The only and I mean only reason the balance is this high is because US Bank promoted it! How so you ask? US Bank sent us a few Balance Transfer Checks in the mail. They asked us to please transfer other balances from other credit cards/banks to our US Bank credit card account. This was for a fee of course. So we did this. We transferred XXXX other balances that had a higher interest rate to the US Bank credit card account. Following the sales pitch that US Bank sent us. This essentially doubled our balance on the US Bank VISA card, but it was still well below our credit limit. So now they are raising ( almost doubling ) our interest rate to a level that 's higher than the interest rates were on the original accounts we transferred from. This seems like a " bait and switch '' routine. 

To sum it up US Bank asked us to transfer balances from credit card accounts that had double digit interest rates to the VISA card we have with them that was single digit. We did this. It was a good deal. It doubled our balance but did not put us over any limit. Now after we 've done this US Bank is going to raise our interest rate to double digits that 's higher than the accounts we transferred, and they say it 's because of our high balance ; which they encouraged!!
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

Initiated wire transfer withdrawal from Conbase/XXXX account for {$30000.00} on XXXX XXXX, XXXX to bank account. Amount was immediately debited from account. It is now XXXX XXXX and wire transfer has not been received. 

Phone support does not respond to transfer problems and refers them to email support. No response from email support to multiple requests. 

transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX Customer support requests : reference to XXXX # XXXX reference to XXXX # XXXX
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Southwest Credit Systems, L.P. (CA)

XXXX of XXXX is reporting a {$60.00} collection through SouthWestern Credit System accoujt number XXXX. But file belongs to a XXXX who is the principal on account. This was from XX/XX/2014 account still exists for XXXX. The account is under XXXX credit file. I have written and called XXXX but have not been able to speak with anyone. WE are trying to pay the account off, to eliminate negative report, but XXXX refuces to provide evidence account is paid of with a letter addressesed to XXXX even though it shows against her on the credit report. No way to confirm payment as all docuemnetation wouold go to XXXX
Consumer complaint received 2016-09-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Oportun Inc. is a very scrupulous lender that charges high rates without proper disclosures and pulled my credit without my authorization. They also have made multiple threatening calls from collections and even came to my job and home to try to collect a payment from me in person. They make multiple calls to my job sometimes XXXX10 times a day, eventhough I have told them that I can not take calls at work, and they are going to get me fired. I try calling their call centers, but they are located in XXXX and I do not feel comfortable giving my social and other personal information to XXXX call center agents. The call center will not transfer my call to the store where I did my loan. I Finally went to the store and asked for a Manager and the person said they do not have Managers at the stores. This company sounds like they are fraudulent, I regret taking out this loan. Most of the people I have dealt with do n't even speak XXXX, how can you do financial business in XXXX and not speak proper XXXX to communicate with customers that are not XXXX Speaking? This should be illegal, these people can not even explain all of the fees on my loan and the rate is almost 40 %. 

I do n't have my papers so I would like to remain anonymous.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

I deposit {$200.00} ( 2 {$100.00} XXXX on XXXX/XXXX/16 at XXXX. The atm ate my money and gave me a receipt to file a claim. I called Chase Bank ( XXXX, Indiana ) at XXXX that same day. I refunded me a temporary refund of {$200.00}. On XXXX/XXXX/16, they took the refund back. I called Chase and said the investigation is close. I called when a supervisor was not available to speak to. Chase took my money ( {$200.00} ), I did make the deposit and it is my fault their atm machine mess up. I will never trust Chase and especially their atm. I expect a full refund of my {$200.00} ASAP.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I had a student loan with the Department of Education that had been sold or handled by the company " XXXX XXXX XXXX ''. I have paid my loan as directed to XXXX XXXX XXXX. now, my credit report shows that I have a loan for XXXX and the department of education. With the department of Education loan being in default. WHen I called the dept of education, they claim I have no account with them anymore and that I have to handle this situation through the credit reporting agency.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (FL)

I received a letter regarding a debt claimed to be owed by me from XXXX XXXX XXXX a debt collection company used by TD bank. 

Upon asking for verification not only did they not send me my information, but the company also violated the Fair Debt Collection Practice Act by providing me someone else 's full information including sensitive data such as social security numbers, driver 's license numbers and more. 

I did reach out and formally complain with the company, I was told they will launch an internal investigation, and they advised me to destroy the documents I received, and they would let me know If my information was sent out to someone else.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

This has actually happened several times to me at TDBank. The bank lets you make a deposit in cash via the ATM. A lot of the times the ATM at several locations will not take a deposit, or shut down at a certain time of the day, almost strategically in order to obtain an overdraft fee. On Wednesday night after work at XXXX I went to deposit money into my account because I knew a payment would be deducted the next day, low and behold the ATM did not work at XXXX XXXX. I went to an alternate location in the downtown area of my city on XXXX XXXX XXXX and the same thing happened. I went home and looked at my account and went to sleep.It had n't been on overdraft status yet. Upon waking at XXXX I realized I needed to make this deposit so I went to the bank again, and the machine on XXXX XXXX was STILL not letting me make a deposit. I then decided to drive XXXX minutes away to another location on XXXX XXXX XXXX. This time it took my money but only to also reveal that it had indeed placed an overdraft on my account. The system seems as if it is set up to potentially harm consumers and wait for any fees they may collect before they actually let you make a deposit. This has happened in the past and I just thought it might be worth looking into.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

RE ; CHASE HOME FINANCE - LOAN # XXXX This is my last and final attempt to get help avoid foreclosure. It is now over 3 years since i requested for Chase to help me avoid foreclosure under a HAFA Short Sale. After XXXX different realtors working on my request, Chase keeps playing games stating that i need to hire a new realtor in order for them to review my account for a HAFA Short Sale. 

Now this is the XXXX realtor that i hired, an application was provided again for the 8th time. Chase now is telling me that my application was received since XX/XX/XXXX however the processor ( XXXX XXXX - XXXX ext XXXX ) who is reviewing the file is out on vacation since XX/XX/XXXX and they dont know when is he returning from vacation. 

Im not sure if thats a reasonable answer but this is ridiculous that after 3 years trying to get this HAFA Short Sale approved. Chase keeps getting away with this excuses. 
please help since i feel that Chase is just purposely delaying my application so the program can expire and foreclose on my home. 


XXXX XXXX
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: United Student Aid (USA) Funds (FL)

XXXX is a debt collector for USAFunds. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint. 


USAFunds is using XXXX as their debt collector. I sent XXXX several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I have been contacting ASC ( Wells Fargo ) regarding a modification of my mortgage. Before I could provide proof of a change in my circumstance since my last review, they advised me that a new rule, which was implemented after I started this process, states that no modification would be considered on a loan that is in arrears for 3 years or more and had been offered a modification in the past. I was first told that this was an investor rule, then I was told that the rule was a CFPB rule. When I called CFPB, they said they have not heard of such a rule and that it was not a CFPB rule. ASC keeps giving me the run around and have not been able to confirm who 's rule it is. I left several messages for the person assigned to my case in the escalation department and have not received a call back regarding this question. The re-entry department died me without reviewing my change in circumstance but I keep getting letters that my file has been assigned to a Home Preservation Specialist, who keeps sending me financial worksheets to fill out, which is totally confusing me, why would they send it if they say I 've been denied. Every time I call to speak to the Home Preservation Specialist, the call center says they ca n't transfer me because I have to speak to the re-entry department first. I am frustrated and confused and just need consistent answers from someone who actually knows what they 're talking about. Please Help!!!
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-08-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (RI)

Our home mortgage was sold by XXXX XXXX XXXX Bank to Carrington Mortgage Services, I believe in 2012. The website will not let me access my account at this moment. 

Our payment with XXXX was {$1700.00} Including P & I, Hazard Insurance & Property taxesOur payment with Carrington is {$1800.00} Not clue what this payment includes because I have no signed ( by myself or my husband ) paperwork from this company. 

When Carrington bought our mortgage it raised our payments without our consent or prior knowledge. 

I did call Carrington when I noticed the jump in payment, only to be told that it was to cover our homeowner 's insurance. At that time I offered to pay the amount out of pocket, to keep our payment the same as it was with XXXX. Carrington stated they could not do that, after transferring me to various people.
Consumer complaint received 2016-09-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I opened my checking account 2yrs ago with Wells Fargo. The banker who worked with me Named XXXX was a very corrupt. He was distracted & quick talking. He signed me up for a {$3000.00} visa credit card. I stated I only wanted a checking account when I spoke to the banker who was supposed to be working with me but took someone else & was supposed to be passing the message to XXXX. That banker XXXX had problems with other customers when I spoke with his manager at a different location. XXXX also shut my account down when he first opened it. I 've had nothing but troubles & lies from Wells Fargo customer service department. XXXX never went over any credit card information or offer on my visit to open my account.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

I had a car loan with Santander Consumer Bank. The loan was paid off XX/XX/2014, but they are reporting to the Credit Bureaus that there were several late payments. I have sent them multiple letters asking for validation that those payments were late, but have not received any response. The account is paid in full, but those late payments are affecting my credit.Please help.
Consumer complaint received 2015-08-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Home Mortgage had offered me an incentive to complete a Deed in Lieu on my home that I could no longer afford. That process started in 2013. I abandoned the home on XXXX XXXX, 2013 as required by the documents from Wells Fargo. This was an extrememly long process and the home was just transferred out of my name recently. The home has been sold and new occupants are in the home. My incentive money is no where to be found! When I try to call Wells Fargo I get disconnected because my loan number with them is no longer valid, obviously. Customer Service transfers me everywhere except to a real person who can answer my questions. I was promised an incentive of {$2000.00} to complete the Deed in Lieu.
Consumer complaint received 2016-05-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (UT)

I was appointed the financial POA for my Uncle, XXXX XXXX. In XXXX XXXX he entered assisted living. In XX/XX/XXXX, I notified Wells Fargo Home Mortgage he could no longer make mortgage payments, and I put the house up for sale. The office of the President of Wells Fargo Home Mortgage, XXXX XXXX ( XXXX ) contacted me and I discussed the situation. I contacted him back in XX/XX/XXXX letting XXXX know that the house was under contract. I closed on the home XXXX XXXX, XXXX. I have been requesting since that time the small portion of {$200.00} that my uncle had left in escrow. I have called and emailed XXXX and Wells Fargo Home Financial numerous times. All I am doing is trying to help my XXXX Vet Uncle get the funds to help with his medical bills. Please help me! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STATE FARM BANK, FSB (PA)

I negotiated a payout and cancelled my card on XX/XX/XXXX. The bank does not dispute this. However, they never shut off the card and when a recurring charge from a local store was processed later in XXXX and XXXX, the charges went through and now the bank wo n't remove them and say I am responsible for these charges. The card was cancelled on XX/XX/XXXX, anything after that should have never went through. I have called them over 10 times to resolve this. when they are n't sending me to different departments, they are refusing to take the charges off the cancelled card. Just as an aside. My husband also negotiated a settlement amount and payment for his credit card on the same phone call. His card was cancelled per his instructions. This is their mistake, not mine. Thank you for your help with this. Please direct all inquiries to my husband XXXX. He handles the finances and he was the person interacting with the bank.
Consumer complaint received 2017-02-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Due to a divorce, and reduction in household income, my first lien holder, XXXX reduced my interest rate and established an escrow account. I am getting ready to make the third trial payment with them. While it is a partial release of pressure on my finances, the second mortgage holder, Wells Fargo has refused to assist in any way. I have forwarded to Wells Fargo, a copy of the written offer of modification by the 1st lien holder. However, Wells Faro has turned me down three times, including an appeal.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC. (NJ)

To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.
Consumer complaint received 2017-03-02
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

In In XXXX I purchased a 3 year cd from Union Bank which was to be linked to the S & P 500 index and have a minimum return of 2 % per year. If the S & P went up I was to get a return that equal to the amount of increase. If the S & P went down I was to get 2 % a year on my investment of {$100000.00}. The S & P index increased 27 % in that period and Union Bank credited my account for only {$4900.00}. I should have recieved about {$27000.00}.
Consumer complaint received 2016-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (VA)

I received a debt collection notice from National Credit System ( NCS ) regarding my refusal to pay a debt owed to XXXX on the Lake for carpet replacement in the amount of {$1000.00}. This is a debt that I was totally unaware of and do not owe. I have contested this bill and requested proof of the allegations and NCS would not provide any additional information regarding my request. Instead they were threatening me to pay this bill without any explanation as to how XXXX came to the conclusion that I was responsible for total carpet replacement in my apartment without notifying me of the damages. I provided them with my copy of the final walk thru paperwork that the XXXX management team completed which made no mention of the carpet needing to be cleaned, repaired or replaced. I lived in the apartment for two years and three months prior to my departure I received my free carpet cleaning from the XXXX Maintenance Staff for renewing my lease. NCS has reported this erroneous information to the credit reporting agencies, and now my son and I have this negative information on our credit report without a thorough explanation or proof of damages.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.