davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Abo ut 8  or 0 years, I opened a  Wells Fargo s avings account for my minor niece when she was born. At the time that I opened the account, I was told that there would be no monthly service charge for the account until my niece turned  XXXX . Starting in  XXXX ,  Wells Fargo st arted charging monthly service fees on that account ( even though my niece was still a  XXXX  ). In  XXXX   XXXX , I called to ask them to close the account. The representative told me that she would refund the late fees and close the account. That did not happen. I called again today to request that they refund the late fees and close the account. They closed the account but told me that they were not able to refund the fees, because I had to go to a branch to have them refund the fees. It seems unnecessary for me to actually waste time on the phone with them to only be told to go to the branch.  Wells Fargo p urposefully set up a system to make it as difficult as possible for consumers to get a refund with the intent that consumers will not jump through all the hoops a nd Wells Fargo  will benefit by keeping all of the fees that wrongfully assessed.
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (MA)

Two payments were made, the first on XX/XX/XXXX for XXXX confirmation code XXXX. The second was made XX/XX/XXXX also for XXXX confirmation code XXXX. Despite these payments which would have brought my amount due to 0, I continue to receive emails and regular mail letters stating I am severely overdue. On Tuesday XX/XX/XXXX an XXXX XXXX XXXX rep told me the issue stemmed from the payments being made " during a transition '' and the issue would be resolved and the payments applied. Today a gentleman told me my loan has not " fully converted '' to their company and that he wasn't sure why. The payments were both deducted from my bank account but seem to be lost in limbo. My primary concern is if the 2 payments take too long to apply and the delinquency is reported to credit bureaus, considering they've now been lost for 20 days.
Consumer complaint received 2018-08-24
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. (GA)

I am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This issue is with Toyota financial services ( TFS ), their poor customer service, and their excessively harsh response to a single late payment.     I have had  two  loans with them that span a length of 7 years. In that period of time, I have paid off one loan and make timely payments on the second one. I never had a late payment. My payments have always been setup for automated monthly payments.     At the end of last year there was a change with my banking information which I updated online. I assumed it was setup properly as I never received a notice otherwise. Somehow the autopay did not process properly and my account became past due. But I was not given any notice of late payment. I did not know that I had a past due balance until I received a negative hit on my credit report and saw a substantial drop in m y credit score.      I immediately called  TFS  to pay for my past due and current due amounts. After waiting on hold for at lea st 20-30 m inutes, I spoke with customer service and requested to have the negative credit market removed. The agent was very rude and unhelpful. I was told that it could not be done over the phone. However, I could write a letter directly to TFS explaining the situation and the negative marker would be removed. I mailed out a letter shortly thereafter stating my concerns. I later received a return letter denying my request.     I called TFS customer service, was forced to wait on hold for a long time, and was again told to write another letter to request the negative removal. I did this and was again denied via mail.     It is extremely upsetting that a long term customer who never had a late payment was denied a courtesy adjustment. It is frustrating that there was no notice given regarding an error in my autopay account or that my account was past due. It is shocking how poor the customer service is whether phone or mail.     I have always had good credit. Having a negative credit marker has had a substantial impact on my credit and has seriously affected my ability to qualify for credit. It will be a long time before the negative credit market will no longer affect my credit. TFS response to my one and only late payment is excessive and completely unnecessary.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have numerous times tried to access my Transunion and  XXXX  reports to dispute incorrect information such as names and addresses I have never used, and fail to even be able to process because I can not get past questions, which I answer correctly. I have attempted to fix this many times and for years I 've always been denied access to my own report or online dispute options. I am the person who files they hold yet I 'm denied access.
Consumer complaint received 2018-08-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/2018 SpeedyCash lend me {$600.00} and told me they will be taking XXXX from my account every month till when Im going to finish paying but to my suprise they have been taking {$160.00} from my bank account every two weeks since then and the loan balance still remain the same. I called them to complain but they said theres nothing to do about it.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

I have only been in my house for a little over a year and a half and already my original loan was sold to LoanCare a few months ago. They told me that my escrow account did not transfer over and 5 months later I received a statement from LoanCare stating that I have a  XXXX   XXXX  dollar shortage and that my mortgage was going up $  XXXX  /mo. I calle d immediately and was bounced around from one person to another saying that it was because my taxes or insurance went up, but I contacted my tax assessment office and insurance office and they did not. I was promised a call back and received nothing. After not receiving a call back I called again insisting to speak with a supervisor, to which no one was available. After calling back again the following night I was eventually told that until they figured out why there was such an increase in monthly mortgage payment, to continue paying my normal payment and they would get back to me. After trying to reach this same person time and time again with no such luck ( even though I had her name and ID # ), I was told that they could not honor the original agreement until they spoke with her ... which NEVER happened despite calling several times for over a full month. I went from speaking from one supervisor to the next and that they were going to send a 'priority email ' and that I would hear back the next day-which of course I never did. After calling yet again they were conveniently out of the office and I left another message with no response. After speaking to someone and reassuring me that things would be taken care of and I would get an answer the following day ... no one called and the increased mortgage am ount ( {$750.00 } higher than normal ) was directly taken out of my account without authorization. I called in a panic and no one was able to help me and I never received a call back. This company completely pushes you around fro m one person to  the next and can never give you a straight answer or a call back. I had asked to meet in person but since they do not have a physical location they could not do this. They claim they could not cc me on any of their emails because they can only interoffice email which  in 2017    seems like a complete crock. LoanCare is completely unreliable and it is pathetic that they can not even call back their customers and that are trusting them to handle thousands of their dollars and make false statements and lies.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have had a fraudulent charge on my account and Wells Fargo denied my claim. Someone in Massachusetts had called ( somehow using my own phone number ) and requested my funds from the savings account to be transferred to the checking account where they could withdraw all my money.. 1800 $  approximately. The individual requested a change of address and a card to be sent to them rush service. I am in XXXX Texas, they are in Massachusetts and I worked both days so its impossible to have done that myself.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018, I made an online payment from my Chase account to my XXXX XXXX ( a transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my XXXX XXXX account, I contacted Chase and XXXX to determine what was happening. Chase informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to XXXX XXXX and were withdrawn by XXXX XXXX. I also went online and saw the proof of payment document confirming what Chase reported. 
However, XXXX XXXX states that they have no evidence of the electronic payment and that they do not accept electronic payments, Chase is supposed to send XXXX XXXX a paper check for the amount. This was news to Chase when I informed them of this ( XXXX XXXX has never informed them of this and if it was the case, XXXX XXXX should have rejected the payment ), and they noted that all of my payment electronic transaction from Chase to XXXX XXXX in the past were made via electronic transfer. 
Chase is in the process of mailing the proof of payment document to XXXX XXXX to show that XXXX XXXX in fact did accept and withdraw the funds. 
I am very concerned that this is going to become an issue with neither institution accepting responsibility. 
Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. Chase is also in the process of mailing this as well.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

My  XXXX  payment for the ford motor credit account was not late. the consumer reporting agency equifax False reported a late payment to ford motor credit. the payment is due on the  XXXX . I made the payment on Friday the  XXXX  which was a Friday, a holid ay (   XXXX   XXXX   ). o n sunday the  XXXX  equifax reported a 31 day late payment. there is no way that ford mortor credit reported a lated payment, they were closed for the holiday. The company also put on my account that it was already paid on Friday.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

The company  XXXX   XXXX  sold my mortgage to several debt collector without notifying me about my mortgage. I got phone calls fr om Bay View saying that I was behind on payments. I did n't know who Bay View was   and I could n't understand what their representative was saying as she would talk to fast. They wanted to know when I could get caught up on back payments. I went into  XXXX   XXXX  to find out what was going on.  XXXX   XXXX  told me that they were not going to do mortgages any more.  Bay View sent letters wanting to know when I could make payments, they would call late  at night (  XXXX  ) .There were times that I could not understand what their operator would says, at times she would say baby view, demanding that I pay up at once. I 've tried to te ll Bay View th at I could n't make the {$540.00} dollar payment as I have other bills to pay.  Bay View wo uld send letters almost on a weekly bases sometimes I would get  XXXX  letters the same day. Phone calls would be rude and very demanding to the point where they said that they would start foreclosure on the house. When they said this I immediately went down to talk to a  Lawyer.
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX calls on all hours of the day and night including weekends which started about two months ago from various phone numbers e.g. XXXX ; XXXX ; XXXX ; XXXX ; XXXX. But recently it's more so than usual meaning everyday including weekends and the past two days left a voicemail message from two different persons - XXXX and XXXX XXXX - Demanding to call them back at XXXX ext XXXX. 
The voicemail message left on my phone today demanding I call them back and give them my attorney 's name and number, and if I don't have an attorney it would be to my best interest to call her back. I urge to contact her today. choose not to respond i have no choice may proceed to next step which will impact you. 
It is very frustrating as now they are calling my kids, my work, my Mom, my siblings and their spouses to name a few. This is beyond harrassment.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (MA)

This is w ith Fay m ortage servicing company and  XXXX .   I disputed a late being reported on my mortgage. It was found to be inaccurate and incompletes at end of investigation. It was to be removed. They deleted my mortgage. It took weeks to get my mortgage back on. However once I did they put the already investigated late back on. It also was never reported to all  XXXX  agencies. This lead to my score dropping  XXXX  points. Resulting in denial of loan closure. Please see this is rectified immediately. I need to close on a loan. Thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my report.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (NY)

We are a   XXXX   XXXX   organization. We obtained a credit card from  American Express ( " AX '' )  because they promised 1.5 % credits for all early payments of their credit card bill balances. We set up an autopay arrangement with our bank to assure AX would be paid as soon as AX electronically notified the bank of the monthly balance due. We always had more than enough in our bank account to pay the balance. AX then unilaterally stopped posting the credits for over a year while we tried to find out why they violated their agreement. AX then levied a {$2100.00} " late fee '' after agreeing to restore some of the credits. They have refused to restore the late fee taken from our bank account without authorization or justification or pay the balance of other monies owed to us. We learned from an AX representative other non-profits were also unilaterally denied early payment credits. AX 's principal bank is  XXXX   XXXX , which is deeply involved in its own history of defrauding customers.
Consumer complaint received 2017-04-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I owe my  XXXX  credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes  later I will receive another call from the company.
Consumer complaint received 2018-04-06
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. (NC)

The credit reporting agency Experian has failed to provide me with copies of the documents being used to validate an account on my Credit report with them. The account is with XXXX  XXXX XXXX and they are acting as a debt collector trying to collect this debt with fraudulent documents. I have requested copies of the documents being used by the creditor but Experian has failed to provide me with the copies of the documents. I also want to be provide a copy of the business license 's for the lender listed on the documents being used by the creditor XXXX XXXX XXXX and the Lender being XXXX XXXX XXXX XXXX whereby showing they were licensed in the State of North Carolina in 2002 as a mortgage lender and were licensed to originate and fund a mortgage loan, but I have documents that state the above lender XXXXXXXX XXXX XXXX XXXX XXXX is fictitious and does not exist. XXXX  XXXX XXXX is committing fraud trying to collect this debt since they are not listed on the documents as having funded this debt. Without being provided proof of the above I request that the account with XXXX XXXX XXXX be deleted from my credit report with Experian credit reporting agency.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Recently i called Experian about reporting incorrect personal information on my account that ended in my account linking to incorrect information. They requested I send in my ID and a bank statement and told me the mistake would be fixed in 3 days. Theyd failed to update my account in the 3 days and instead input information that was incorrect and attempted to link my account to incorrect addresses again. I had to redispute then incorrect address again and they have still have to resolve the issue. Attached youll see the false information they injected and that was disputed as well as my personal information
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (MD)

Hi Good Afternoon, On XX/XX/XXXX in response to an advertisement I received from Moneylion, I signed up and was approved for a cost-effective short-term loan of {$600.00} at a 5.99 %. I reviewed in great detail every section of the contract ( attached ) before signing. I was told that {$23.00} would be deducted weekly ( every Friday ) for 26 weeks, with a total payment of {$600.00}. 

After the first withdrawal on XX/XX/XXXX, I noticed a second withdrawal on the same day for {$31.00}. And this occured the following week as well - {$23.00} + {$31.00}. When I inquired with Moneylion, I was then informed that a membership fee ( that was initially advertised as {$79.00} initially ), is actually a recurring fee for the entire duration of your repayment, bring a total membership fee to {$31.00} x 26 weeks = {$830.00}. Nowhere in my contract was this ever stated or brought to my attention during the enrollment process. I am certain I would never sign up for this having been told so at the onset. 

I have since blocked the additional payment of {$31.00} as this was never communicated to me, but I shouldn't have to do so. This behavior is predatory and traps people into paying far more than is advertised.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Credit Bureaus changed the status of my Alabama Child Support Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the Alabama Child Support Administration, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.