davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I was scammed XXXX $ via XXXX  transfer to a recipient who was selling a product. Though i authorized the payment, i still believe the bank should be held liable to give a refund since they have done nothing to protect their customer ( me ) from common problems like this and they have not taken the time to redesign the function of this money transfer system in a way that it would protect the customer from common fraud/scams like these. The bank knows who the recipient ls and the bank has the options to fix this issue but simply chose not to. It is said that XXXX is backed by the banks and is safe to use yet when issues like this occur no one wants to help. This can not go on. It is time for the bank/ XXXX to take responsibility and fix these flaws withing " their '' system.
Consumer complaint received 2019-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (SC)

We were unable to get our payoff amounts from RoundPoint Mortgage in a timely manner. We tried multiple days to get this information. As such we paid enough to cover paying off the principal. We later received the payoff and were {$0.00} short in interest and a {$5.00} recording fee. The paperwork states that a shortage will be considered as instruction to use the escrow to cover the shortage and close out the loan. When I checked the funds were not even applied to our principal so we are accruing interest on a balance while there is more than enough of our money to cover it. I called and was told that they could not apply the funds because it was not the exact payoff amount, even though their own paperwork says otherwise. Was told over the phone there was no one who could fix this even though they have {$1800.00} and {$2500.00} in escrow funds. This is unethical, and against their own published paperwork.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (LA)

I am the victim of identity theft, someone has taken a student federal loan out using my information. Back in XXXX location XXXX Virginia, I have lost my purse, which pertained my social security card, credit cards, I.D, and other important information, it has been a few days since I've discovered purse missing. I have learned about fraudulent loan whenever I checked my credit report back in XXXX of spring, I have discovered there's over {$85000.00} in student loans taken out since XXXX, this discovery was very surprising and upsetting, I have filed a police and FTC identity theft report and contacted all 3 credit bureaus to dispute false accounts, after explaining and sending them supporting documents, all 3 credit bureaus has cooperated by deleting loans off my file within 30 days, I have contacted Navient to report fraudulent accounts ; I have explained what happened and confirmed with them I am not the account holder of loan, I have also sent police report via mail along with other supporting documents, within 30 days Navient sent me a letter stating they were unable to confirm my claim of identity theft on loan, I have never been so upset. I've also explained to Navient that I've tried calling XXXX   XXXX and received a busy tone, along with research school and discovered school no longer exist and that it's not accredited, not only do I have student loan taken out in my name, but the school does not exist! that's insanity. Navient and XXXX  XXXX has destroyed my life, I just want this issue resolved, so I can get my life back. please help me
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

In XXXX of XXXX I went to my local bank branch to effect a balance transfer which would pay off my Visa account at USAA and create a new Visa account at my local bank ( for which there was an incentive of getting six months without interest ). The payment from my bank to USAA was rejected as having the wrong address. After additional attempt was made to effect a balance transfer, I requested an e-mail from USAA with the verified payment address, which they provided. This was the very same address which I had provided to my bank the first time I attempted to transfer the balance in question. After a 3-way call with myself and representatives from both my bank and USAA was held to determine exactly what was required to do a balance transfer, a final attempt to effect a balance transfer was undertaken in XXXX of XXXX and again USAA rejected the payment from my bank stating that the full account number of the USAA Visa account was needed. My bank XXXX XXXX XXXX XXXX XXXX XXXX assured me that the entire account number was provided to USAA via ACH information but was never included on hard checks due to security concerns. Nevertheless, USAA again declined the payment and seems to contrive multiple and various excuses to decline any attempt to effect a balance transfer from my bank. 

Ultimately, I have declined to make further payments on the account pending a resolution of the issue because I believe USAA is deliberately obstructing my attempts to close out my Visa account with USAA. I have communicated my position to USAA in that regard but they have now begun harassing me with collection calls on a daily basis. 

My bank assures me that they have provided all the required and customary information for transactions of this type to USAA. USAA, however, continues to claim that additional or different information is required or that the information needs to be presented to them in a different form. In short, they are refusing to accept a balance transfer as payment against my account and doing so without justification, which has cost me over 15 months ' worth of interest ( a total of over {$1000.00} ). I have spent considerable number of hours making multiple trips to my local bank branches, making phone calls, and participating in online help chats until I am simply unable to continue pursuing this myself because nothing I do changes the outcome.
Consumer complaint received 2020-01-15
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: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA letter enclosed 1099 C form Cancellation of debt XX/XX/13 Masrercard Account XXXX DEBT DISCHARGED please note FOR INFO THIS FORM CALL XXXX This automated message " A 1099 C  form means your debt is no longer owed and any one trying to collect is against the law '' USAA PLEASE LISTEN TO YOUR OWN MESSAGE AND STOP DESTROYING MY CREDIT BY NOT CLOSING THIS ACCOUNT. Please read your documentation of cancelled discharged debt AND PLEASE START TELL THE TRUTH TO CFBP You just responded to this telling CFPB and me you have every right to collect what is not owed
Consumer complaint received 2020-01-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/XXXX, I applied for an Apple Card as they offer 6 % cash back if I purchase something from Apple Store. And my application was approved. 

XX/XX/XXXX, Got a missed call from a Apple Card Specialist. 
My account was restricted and I couldnt use it. I tried to call back, the specialist told me my account is under review and someone will contact me once review completed. 

XX/XX/XXXX, No one contacted me. I called Apple Card customer service again and I got the same answer. My account is still under review for no reason. I missed the 6 % cash back offer. 

XX/XX/XXXX - XXXX XXXX, I have texted and called Apple Card Customer Service more than 20 times. They always gave me the same answer like a robot even hang up my phone sometimes. No one can give me solutions or reason why my account was restricted. I have never seen such ridiculous customer service before.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX : Capital One charged me interest on a XXXX balance for the billing cycle. I called to ask them to correct it and they said they couldn't. They did this to me last month but I paid the interest because I need to maintain a XXXX balance on this card. So I asked the supervisor, XXXX ( # XXXX ), if they were going to try to pull the same shenanigans next month and he said they do not charge interest on interest, but told me I would be charged a late fee if I made a late payment. Here is where the problem lies. I have never made a late payment in all my years with this company and he had no grounds for threatening me with a late charge. I feel I was discriminated against and he made a bad judgement call that was very unprofessional. The interest in question is only {$5.00} and he could not credit me, so I am filing this complaint for being ethically violated. I am an upstanding citizen, tax payer, who has never made a late payment and he judged me as if I was some hoodlum off the street. He needs reprimanded or fired and I want to be credited my {$5.00}. Thank you, XXXX
Consumer complaint received 2019-11-21
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. (ID)

debt collection agency XXXX XXXX XXXX XXXX acquired my protected healthcare information, ( lab work performed, symptoms, diagnosis, treatment ) from XXXX XXXX XXXX XXXX   in XXXX. I never asked for my PHI to be shared with this fraudulent collection agency. I have filed numerous disputes and complaints. The fraudulent debt in question was removed from all 3 credit reports. Then 2 weeks later, Equifax allows this company to turn around and re-report this debt that I'm not liable for. I have filed HIPAA complaints against the hospital and would like to see this company get fined for their disgusting business practices. They have shared my PHI with all the credit bureaus and I am in the process of seeking legal counsel.
Consumer complaint received 2020-01-14
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. (SC)

THE ACCOUNTS BEING DISPUTED ARE ACCOUNTS THAT WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE ACCOUNTS COMPLETELY REMOVED OFF MY CREDIT. THOSE ACCOUNTS HAVE CAUSED GREAT HARM AND I WOULD LIKE FOR THOSE TO BE PURGED INCLUDING THE INQUIRIES LISTED.
Consumer complaint received 2019-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (TX)

According to my monthly statements, if a make my payment on or before XX/XX/19 then a late charge would not be accessed to my account. I made my payment on XX/XX/19 at XXXX and I received a receipt stating my payment was accepted by XXXX XXXX XXXX. Because the company had close they posted the payment on XX/XX/19 and charge my account a late fee. When I call the company stating that the payment was made on XX/XX/19 and I have a receipt to show my payment was submitted on the date a late charge would not be assess. Gateway stated that because I made my payment after XXXX XXXX and since it posted to the account the next day that I would have to paid the late charge. When I explain that the online system or my monthly statement does not state that there is a time frame on XX/XX/19 that I have to make my payments in so that a late charge would not happen. When I stated that I was going to file a complaint with CFPB, the company made personally comments about me and what my employment was at one point in time. I felt this was very unprofessional because my personal life should have nothing to do with my account at gateway or what I feel should be assessed on my account. the company made a very personal attack that I am very unhappy about
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/XXXX around XXXX XXXX, I visited GAP at XXXX XXXX   XXXX in XXXX, Minnesota. I went to purchase 3 pairs of jeans. The sales associate asked if I had any points or coupons to use. I said no. The sales associate then said I would be paying full price for the clothing. I said I knew and that was fine. The sales associate then said something along the lines of " hold on let 's get some sort of discount. I can bring the total down by about XXXX dollars. '' I replied that it sounded great. The associate asked if I had a card with GAP. The sales associate did not specify credit card, so I assumed it meant a rewards card. I said maybe. He asked me to follow the prompts on the card reader to check if I was in their system. The prompt asked for my full 8 digit social security number. This was a red flag to me and I said their system wouldn't have my ssn. I felt uncomfortable and entered my SSN anyway. I wasn't in the system. The associate said no problem, they'll get me added. The associate asked for an ID, and then asked me to follow the prompts on the card reader. The bottom of the screen said " CREDIT CARD APPLICATION. '' I then responded that I did NOT want to apply for a credit card. The associate responded that I would have to pay full price, and I said it didn't matter to me but I would not be opening a credit card. I then completed the purchase. I was really uncomfortable when I left because I was never told I was opening a credit card. The sales associate just automatically started the process with me. This is very misleading and unclear. I decided to return to the store about fifteen minutes later and requested to speak with a manager. I spoke with an individual who I believe to be a manager and explained what had happened. That individual responded that he has never received this complaint before but can talk to the sales associate. That individual then explained to me that credit card sales are a part of the experience of shopping at GAP. I responded that I had no problem with credit card sales, but it's irresponsible to tell me I'm being entered into the system to get a discount, when I'm actually applying for a credit card. The manager repeated that he would speak with the associate and I left. I don't feel like my complaint is being taken seriously, and I think this is very manipulative behavior to try and trick customers into opening credit cards.
Consumer complaint received 2023-09-08
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: AMERICAN HONDA FINANCE CORP (TX)

I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + Music & Records XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX, Old ( XXXX ) XXXX
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MEI AUTO FINANCE INC (TX)

I was initially denied credit by MEI XXXX to purchase a vehicle. I was given a Adverse Action letter showing why I was denied. I advised the Finance Manager that I had frozen my credit and from being viewed. I advised that I have proof of income which exceeds the required amount needed to secure the asset. After complaining to the company that the laws are being broken in this transaction, the agent of the company advised me that credit would be extended on the conditions that I provide a down payment. I advised the company that this is against the law. The Finance Manager stated that {$3500.00} would get me " Anything on the Car lot ''. I only had {$2000.00} and needed a car bad because my car was stolen on XX/XX/2023. The company knew I needed a car bad so I can live my life and made it extremely hard for me as much as they possibly could. On XX/XX/XXXX, I asked for my refund via phone call with the finance manager twice during that call. The finance manager stated that I needed to speak with his XXXX to get a refund. I advised the finance manager that notice to agent is notice to principal. He reiterated that all refunds come from the XXXX and that he couldn't help me. I sent an email to XXXX XXXX XXXX of MEI XXXX on XX/XX/XXXX in regards to refund. Money has not been returned as of today. 

I sent email communication to the manager XXXX to discuss my contract and to request refund. XXXX advised me that the company is following all State and Federal laws. I advised XXXX of what happened at his location. I told him that his team would only allow me credit if I put a down payment in after denial of credit letter was generated. In my response, I stated that I wanted a refund of my down payment since the vehicle was returned less than XXXX from the time of signing the agreement. I wrote him to say that I had more questions as it pertained to the account and that in good faith I wanted the company to hold the vehicle until we can figure out the contract. I advised XXXX that the contract never clearly stated that I " owe '' a debt and I wanted more clarity to justify the numbers listed on the agreement. 

He replied that the only way to get a refund was to sign an agreement releasing liability. I paid the {$2000.00} before any agreement was signed. I clearly stated that I wanted a refund since they have the car, my private information, as well as my down payment. I thought returning my down payment was only fair until we get the contract situated. I have a receipt to prove I paid {$2000.00} for the down payment.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-21
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.