davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I had a Wells Fargo account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from XXXX XXXX XXXX. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to wells forgo. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that Wells Fargo need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on the fraud that Wells Fargo committed on my paperwork. XXXX XXXX
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (CA)

Previously set up automatic payments for a credit card with PNC Bank, but recently received a delinquency notification on credit report. The automatic payments had not been going through the previous two months, which was the root cause of the delinquency. The bank was unable to provide any history or data regarding when I set up the automatic payments and whether I ended them.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

1. Home depot merchandise was not properly delivered to the correct address at the time and place specified as required, nor was that merchandise in a proper condition ; as a result I as buyer incurred additional expenses costs and labor.

2. Credit ( Citi Financial and merchant Home Depot failed to resolve the buyers disputes and grievances related to all charges credit interest etc of the account involved by clear concise means as their accounting was convoluted, improper, redundant unclear unverifiable, and prone to error. 
3. Merchant Home Depot erroneously claimed the buyer customer signed a receipt for building material 4. Said construction materials were dropped off by curbside delivery in front of someone else 's property ( not buyers ) without any documentation attached. 
4. In a period ( XX/XX/2020 to present XX/XX/2020 ) Merchant failed to return to that merchandise 's location to verify proper delivery of said merchandise nor to properly move it to the correct location nor check its condition. 
5. Merchant Home Depot and its agent Citi Financial Credit Services consorted in collusion to  Company confound aggravate obstruct and harassed the buyer seeking resolution of these and other issues over a period of time from XX/XX/2020 to XX/XX/2020. 
5. Citi Financial Services and Home Depot act in tandem as conspirators and agents not as independent parties and said parties intrinsically do not act as responsible parties that objectively respond to customer complaints as they act to cheat customers by charging them and not resolving their issues wit the merchant.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AutoMoney, Inc. (SC)

XXXX XXXX, is filing a complaint against Auto Money in XXXX, SC for harassment, a member of our family applied for a loan with this company in XX/XX/2020 to maintain some bills because she has been out of work due to problems from Mold infestation of her home in which the Landlord failed to comply with Landlord/Tenants Rule. According to the LAW, a company do not suppose to call consumer daily. According to the COVID-19 VIRUS, many are not on their jobs in contact with many people, also colleges are closing down and people jobs ... She was told by them that did not matter to them, Our family and many others has contact Governors, Mayor, Attorney General of what to do and are abiding by Medical Rules, and Government rule applied about what we ALL are facing. It is not that no one DO NOT want to pay their debts, but if OUR JOBS are selective of whom can or can not come in, consumers has rights. She has XXXX, and this company harassment has cause her to become with more stress because of AUTO MONEY contacting her EVERYDAY. She has been sick over a month and has only worked 1 week in XXXX, and she has explained that to AUTO MONEY and has basically been trying to gain other loans to get this Loan paid off. They claim she threatened their business, NO!! she explained to them what we and many others has been told by the Government of what is best to do. We as family has been shut down with our jobs as well, but we are trying to maintain bills as well. If they understand this, therefore they should not harass consumers. We are trying our best to keep her with her medications that her insurance DO NOT PAY for, and Co-Payments with her Doctors and Specialists. We are asking that they DO NOT as the LAW states to harass consumers and that we are working on ALL bills to keep our homes and help her get this paid off. 
Thank You
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (LA)

I retrieved a copy of my credit report and found a new collection account listed. Jeff Cap Sys hasn't contacted me via email nor mail to inform of this new account which is a violation of the fdcpa law. Also, they are reporting a monthly obligation of XXXX on a collection account with a balance of XXXX which I have never spoken with this company to agree to any type of monthly obligation. I've requested Jeff Cap Sys to validate this file showing I owe the amount they're reporting to my credit every month but I haven't received a response. I don't owe this debt and this company is intentionally breaking the law by reporting a monthly obligation for a collection account. I'm needing assistance with holding this collection agency accountable for breaking several consumer reporting laws. You can not report a collection as an open account with a monthly obligation and you guys won't validate.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (AZ)

I have contacted and disputed incorrect personal information in my consumer disclosure file with SageStream. I have called them repeatedly but they don't answer the phone and do NOT return calls. 
Dispute letters sent on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ) and again on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ). 
Most recent letter was received on XX/XX/XXXX giving them, by law, 30days to XX/XX/XXXX. 

To date, I have not received a resolution or response to this dispute letter. At this point, by law, they are past time to show verification or proof information on record. These disputed incorrect items need to be deleted.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXXXXXX XXXX XXXXXXXX total card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aut
Consumer complaint received 2020-03-23
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: WELLS FARGO & COMPANY (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OH)

I was once part of my parents credit card but was removed XX/XX/2021. My credit score on my chase app, powered by XXXX, has been affected by it since then still. There is no reason that my credit score should still be affected by a credit card that I have been removed from, do not use, and do not pay.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NM)

Ditech financials processed loan payment on XX/XX/2020, 17 days after they were not to not take any payments, whereas XXXX dba XXXX XXXX, was to process payments effective XX/XX/2020. 

Called XXXX/XXXX after not being able to send secure email as advertised, therefore am really concerned with this loan servicer ...
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TX)

Please refer my earlier complaint ( XXXX ) about this credit card on XX/XX/XXXX. At that time also this company closed my credit card account for no reasons. After complaint to CFPB they reopened my account. 
Now on XXXX XX/XX/XXXX - they closed my card again. 
I have a credit score of XXXX. Their reasons are weird. It brought down my credit score also. I was provided no notice or warning before Barclays did that. Tried calling Customer service XXXX twice - very very long wait time. After successful verification, call getting disconnected. 
XXXX is a usual offender and nothing can be done against this hopeless company. 
In the COVID-19 outbreak - what this company think that i go out on shopping for their credit card? They are inhuman
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OK)

On Friday, XX/XX/XXXX, I logged into Discover Cards site and attempted to send a message to customer support regarding payment options after my layoff during the COVID-19 crisis. Accessing the Secure Inbox, I attempted to follow the prompts and select options to access relief but received the following message. 

Hold that thought! Sorry, we're unable to receive messages at the moment. Please try again later. You can also reach us via Chat or call XXXX for immediate assistance. 

Not wanting to sit on hold, I tried to find the chat function to no avail. 
I checked the mobile app but also could not find anything. At XXXX Central Time on Saturday, XX/XX/XXXX, I received an email from Discover that Important Changes to your Discover Card Account Terms Now Available. I attempted to load the link, but the URL would not load in three web browsers. Finally, I tried a fourth, which loaded a login page. After logging in, it instantly logged out. I tried the mobile app, which had a notice with a timestamp of XXXX XXXX. Sadly, selecting the notice resulted in the error that it could not load in app and to login to the website to see the notice. 

Finally, I called XXXX after XXXX on Saturday, XX/XX/XXXX. The customer service representative informed me that no new notice was issued, and that the last one was from XXXX of 2019. Because of the email and the in-app notice, I kept pressing, and ultimately, she said there was a notice increasing fees and penalties for missing payments. Due to the denial and reversal, I did not trust anything else she stated. 

The timing of the fee increases coinciding with a declared national emergency is too perfect, especially when competing banks are openly announcing relief programs for customers. Some might call it predatory. Specifically, it is as though they detected my partial attempt to communicate with customer service and placed me in a group of increased late fees to profit from my difficulties. In addition, I still can not access the notice and confirm what was relayed on the phone.
Consumer complaint received 2019-02-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax is incorrectly reporting 120 days past due on XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. It is impossible to be 120 days late on a loan that has a {$0.00} balance due. This error is having a negative impact on my credit score.
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XX/XX/2019 XXXX Case No. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Member Number XXXX Contract Number XXXX Contract Date XXXX Mr. XXXX XXXX, During our interview to purchase a vacation package that included a yearly allotment of XXXX points to use each year XXXX XXXX, our sales representative advised us that we could offset the cost of our vacation package by exchanging XXXX points yearly to offset the monthly cost of the package reducing the payments to {$160.00} +/- monthly. He said he would advise us as to how to do this exchange of the points once we had been approved. 

We realized that we could not afford this package if this exchange of points to offset the cost did not occur or directions from XXXX XXXX did not happen. 

We called to see if we could cancel the package on XX/XX/2019 which was the 14th day after the signing of the contract. We thought we had 15 days after signing the contract to cancel the purchase as we had no on-site inspection of the property as stated in the Tennessee Law. 

We originally had contract XXXX and we have paid {$6000.00} toward the down payment and we still want to keep this contract. Please cancel Contract Number XXXX and let us keep our previous package We faxed a Rescission ( intent to cancel ) to the fax no XXXX on XX/XX/2019 and received a confirmation that the fax was received. Please help us cancel this contract as we can not afford it. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX THIS CASE HAS BEEN SETTLED BUT THE DAMAGE TO MY CREDIT HAS TAKEN A BIG HIT IN THE DIFFERENCE OF MY CREDIT SCORE. I AM SUBMITTING THIS DOCUMENT AS JUSTIFICATION FOR NOT PAYING THE FINANCE COMPANIES. PLEASE ADVISE THE CREDIT BUREAU OR LET ME KNOW HOW TO DOCUMENT THIS ADVERSE RESULTS OF THE NEGATIVE CREDIT REPORTING BY THIS COMPANY.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

My wife has been unemployed now for 3 months and I am now self quarantine I have reached out to usbank home mortgage for a 90 day deferral and they said theres nothing they are doing to help on that and I feel with the current situation they should help I have now wasted over an hour on two different calls and they seem not to care
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

Seven years ago after refinancing my mortgage with USBank they promoted a company called XXXX XXXX who would pull half payments out of my account on the XXXX and XXXX of the month which would shorten the amortization of my mortgage. XXXX XXXX was acquired last year by a company out of XXXX XXXX called XXXX XXXX. 

It has come to my attention that XXXX XXXX  is indeed pulling half payments routinely out of my account on the XXXX and XXXX of each month, however they are only remitting a full payment to USBank once each month, not twice as I was promised. I also received from USBank on XX/XX/2020 a monthly statement from USBank indicating my XX/XX/2020 payment had not been paid and as of XX/XX/2020 I owed two payments. After contacting XXXX XXXX this week they shared with me payments are routinely remitted to USBank between the XXXX-XXXX of the month. 

So not only is XXXX  XXXX not making two half payments to USBank each month, they are collecting full payments and sending them to USBank beyond the XXXX of the month due date. Both are serious issues the could involve thousands of consumers. When I contacted USBank about this they took no responsibility about the program or it's shortcomings even though they promoted this to me. My mortgage balance is higher than it should be due to both of the payments issues, again as is perhaps thousands of mortgages across the country. Finally, XXXX  XXXX  is charging me {$270.00} for each of the two ACH withdrawals they make monthly out of my account, only to then make the payment late to USBank on my behalf.
Consumer complaint received 2020-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Because the coronavirus has not worked for three weeks and has no desire to spend, I did not check the balance of the bank account. I accidentally found that the bank fined {$34.00} for an overdraft of {$8.00} again. I am very angry. The government departments have already said To postpone collection of these fees during this difficult period. But the banks still do so. This is against humanitarianism and illegal. Please exercise strict supervision on the banks and return the fines.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (HI)

Ive applied for a citi bank credit card on XX/XX/2019 to try and start up a credit line. I got a letter basically telling me that theyve denied my request. So on I went to my personal bank and I got approved for a credit card, told me to download XXXX XXXX. Went on it showed that I have a inquiry from Cbna. Which by the way I do not have any accounts with them.
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Neighborhood Autos, LLC (TX)

I just recently disputed something and just realized that the dispute came from my Car lot wide credit and I want to fix the problem because it just bring my credit down I didnt know it was them because of the name it said collections instead of wise credit thats why I disputed because I had no clue what it was.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I have disputed the balance on a Synchrony bank/paypal account several times. Only to find out that the fraud department only has record of two. So this means the customer service department is not following through with consumer fraud complaints. I disputed the balance on several occasions. Only to have one of the disputes that finally was addressed to be denied because the  account received payments in the past. I was advised to continue paying the account while the account was being investigated by paypal. I have since stopped because the issue was never resolved. Now instead of fixing the issue, Synchronybank has taken up the account and has ruined my credit score. They are constantly reporting the account closed and then open. They  have closed my XXXX account ( also owned by Synchrony ) even though the card was never late and paid off. They are changing the past due from 90 days to 30 days. Then back to 60 days past due. This reporting has caused my score to drop over 70 points. The account was disputed 3 times in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I call customer service, I am told not to pay on the account as it is under investigation but while it's under investigation Synchrony is still  reporting negative remarks on my account.
Consumer complaint received 2023-02-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (MT)

I have a mortgage with XXXX XXXX XXXX and refinanced in late XXXX. Payments were always auto pay and since the amount had changed the first 2 pmts were not processed. I spent hours on the phone and throughout the process had two late pmts reported to my credit and told by XXXX XXXX I'd have to work through the extensive process of appealing their reporting to credit without a care in the world from them. Once payments were finally on track for nearly a year I once again rec 'd a notice that my XX/XX/XXXX payment is delinquent, and again reported to collections and, again, credit destroyed. These payments all cleared my account and once the XX/XX/XXXX payment was reported delinquent with late fees and reporting, along with continual receipt of letters in the mail and calls to both my lender and my bank on conference with XXXX XXXX XXXX it was indicated that the wrong loan number was on the checks from my bank... the exact same loan number that was ok to process for nearly a year each month prior. After clarifying the issue this lender told me they already reported to collections, even though payments were made on time like always and that I was wholly responsible to walk through the lengthy time consuming process to dispute their filings without any input or assistance from them. Now, in XXXX and into mid XXXX, XXXX I'm still receiving delinquency notices for the XXXX payment that was XXXX directly to this lender along with the supposedly delinquent XX/XX/XXXX payment. And, the XXXX payment is now delinquent... already cleared my account and the loan # matches perfectly on my auto payment. Now I'm spending more time on the phone and zero assistance, was even hung up on while on hold to speak with a manager or anyone capable of helping their so called costumer. I've had numerous mortgages over decades and have never experienced anything so unbelievable and incompetent. I will highly recommend NOT working with this lender.