davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

( BestBuy ) Citi Bank Visa has a scam going on. The Best Buy store will offer you 12 months interest free financing if you make a purchase for {$1000.00} or over. On XX/XX/XXXX ( XX/XX/XXXX ) I made a purchase of {$1100.00} and change. I already had a 'revolving ' balance. In XX/XX/XXXX, I made a payment over the phone. I wanted {$400.00} to go towards my 'revolving ' balance, and {$100.00} to go towards my 'Interest Free ' balance but they did just the opposite. I first made a payment on XX/XX/XXXX, with XXXX. Then I spoke to XXXX  on the XXXX, and she was going to make the correction but she didn't. Finally, I spoke to XXXX  in the Executive office to fix it. The next payment of {$500.00} on XX/XX/XXXX ( the due date of my payments ) was also not allocated correctly, and I had to have that corrected.

Today, XX/XX/XXXX, I went to my bank, XXXX XXXX XXXX, and I wanted to have my ( Best Buy ) Citibank Visa 'Revolving ' balance of {$1400.00} transferred to my XXXX XXXX XXXX , or have my XXXX XXXX XXXX pay the {$1400.00} to ( Best Buy ) CitiBank Visa . I was told that when ( Best Buy ) CitiBank Visa receives the money, they can allocate it however they want to. If this happens, the ( Best Buy ) CitiBank Visa is misleading me, and misleading the public by offering interest free payments, when they are not actually interest free.

This is a scam for CitiBank to make more money. Basically, they are NOT offering Interest Free financing because they are allocating the money in such a way that they can earn more interest.

Today,XX/XX/XXXX, I spoke to XXXX  at XXXX XXXX, who told me, issues the credit cards. I was told that the transaction would take up to 14 business days, and that I would get a confirmation in 10 business days.

My payment due date is the XXXX of the month. I am never late. If the transaction is not completed before my payment due date, and I pay my usual {$500.00}, this will throw my payments off, and I will be charged another interest fee of {$42.00}.

XXXX, in the Executive office of Citibank, said he could not help me but neither can the usual customer service person at ( Best Buy ) CitiBank Visa. They can't get it right, or, they are told NOT to get it right. They are ripping people off.

I would like to pay off my charges in the way that I would like to but they refuse to let me do that. If this is not taken care of the way it is supposed to, I will default on my payments. They are screwing me. After all the payments are made, I will cut up this card as I do not like the way they do business.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

Currently, Hunter Warfield has been calling me every single day, at least once a day, since XXXX claiming that my old apartment is seeking a collection on a utility bill debt. I explained to them that there was no debt, I had paid off any remaining balances before moving out otherwise I would have not been able to move out. They went to issue a dispute within their own company and told me it was not valid because I had no proof. The collection came up on my credit report as of XX/XX/2023 for the {$140.00} balance they claimed I never paid. I had offered to send them proof it was paid and they got incredibly aggressive with me and told me to figure it out on my own. I filed a dispute with XXXX on XX/XX/2023, the same day the collection came up, and submitted the supporting documents showing that, yes, I had in fact paid the " debt '' they're trying to collect and my balance at the end of my lease was {$0.00} since the customer service and Hunter Warfield refused to let me send in the documents initially. Within about 24 hours, the dispute through XXXX was resolved in my favor and the collection was removed from my credit report, thankfully. Now, as of XX/XX/2023, Hunter Warfield is still harassing me and calling me multiple times today to tell me I need to pay them right now or they will charge me more to pay it off despite explaining I had already gotten the collection resolved. They are claiming it was never disputed and that the charge is valid despite already sending in proof it is not valid and getting confirmation the collection was removed from my report. I do not appreciate them calling me repeatedly, getting rude and aggressive with me over the phone, and telling me I'm lying and that I can not possibly dispute the collection despite already doing so and it getting resolved.
Consumer complaint received 2018-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My wife and I have been trying to get a loan modification from Wells Fargo for years now we have made eight months of trial payments and have sent them numerous documents and they keep asking for the same documents all though we have sent them numerous times recently they mailed me a letter denying the loan modification but they will approve a short sale as you probably are aware Wells Fargo has been sued and fined numerous times for there fraudulent and illegal practices I dont understand why they denied the loan modification we have shown the ability to pay the mortgage and provided them with everything they asked for thank you XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting 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 was utterly shocked to see incorrect accounts on my credit report today, and I have no clue why theyre there. I check my credit report regularly, and Ive never encountered something like this before. I tried refreshing the page, hoping it was a mistake or glitch, but the errors remained. I am requesting a thorough review of the documents I submitted to ensure this doesnt happen again.
Consumer complaint received 2018-05-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ray Klein, Inc. (OR)

In XX/XX/2013 I was seen at XXXX XXXX  hospital ER in XXXX, Oregon one evening because I had a XXXX XXXX and couldnt XXXX XXXX XXXX. I was given XXXX XXXX and XXXX XXXX. I was diagnosed with an XXXX XXXX XXXX  and discharged that same day. My insuranced denied my claim stating I should have been seen by my primary care instead of ER but my symptoms were not extreme until after clinic hours. XXXX then billed me and contacted me by phone saying I had a bill and needed to make arrangements to pay. I explained that we were a family of XXXX without the ability to pay even with payments at that time. I did then ignore several phone calls made after the first 2 because they were just calling to collect what I didnt have. The claim was sent to collections after a few months and Im now being sued in small claims court by Ray Klein Inc dba XXXX XXXX XXXX! I contacted them to arrange a pay off to put on my already stretch credit card if they are will to settle on an amount and they will not budge a cent. I can arrange payments of {$100.00} but they said they will still pursue a judgement but not enforce unless I dont pay but a judgement will still ruin my credit. I have 1 week left to either pay off, request a hearing in small claims or except judgement .... I think a non profit hospital should have given me a break, they said they had tried so many times to contact me and I told them I spoke with them at the beginning but all they could offer was payments I couldnt afford at the Time. Ugh frustrating, I know nothing can be done with my case at this point but still writing this in hopes it wont happen to anyone else
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Over Billing and Extracting False and Excessive Fees, Breach in Billing Practices : XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} I NEVER made payments with a CHECK only online. The system kept refusing to allow auto payments even though the payment showed as accepted then days later the payment was refused and my account was charged {$22.00} Return of check when the payment was an online payment. There was no explanation for the payment to not go through because my bank account had more than enough money in it to pay the payment.

I have ALWAYS made my payments AHEAD of due date and paid " 3 '' times the minimum amount due!

Bank Statement XX/XX/XXXX - XX/XX/XXXX Charged {$250.00} for purchases that weren't purchases they were payments!

I called and spoke to 3 customer service representatives one of which was a manager and they all stated it is Citibank 's policy to charge a fee for setting of auto payments. I emailed the CEO XXXX XXXX in the month of XX/XX/XXXX and neither he nor any of his staff Ever responded.

.
Consumer complaint received 2018-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

This complaint is intended to address the irresponsible and irregular management of my mortgage escrow account by Nationstar Mortgage ( Mr. Cooper ). Find below the sequence of events : 1. On XX/XX/XXXX,  Nationstar Mortgage issued a payment to XXXX XXXX and XXXX XXXX to cover the premium for HO-6 Policy # XXXX. The payment was made via a bulk check for the amount of {$1100.00}. 
2. On XX/XX/XXXX, I informed Nationstar Mortgage that I was unaware of the existence of subject policy. Therefore, the policy was to be considered fraudulent, as it was issued without my consent/approval. The mortgage servicer indicated, that they have no control over the issuance of the policy, and they just paid because my escrow account was set to cover HO-6 insurance coverage. Nationstar Mortgage never contacted me to verify the validity of the policy. They just paid and offered me to have patience. 
3. On XX/XX/XXXX at my request policy XXXX was cancelled and Nationstar Mortgage notified. 
4. On subsequent multiple conversations with Nationstar Mortgage customer service I was threatened by the company to purchase another policy. Otherwise, they would buy a very expensive policy with limited coverage, so it was in my best interest to provide evidence of coverage. 
5. On a follow up conversation, I informed Nationstar Mortgage that I was already covered by XXXX XXXX XXXX under Policy XXXX. I also notified then that I had established a payment plan with XXXX XXXX XXXX, and I didn't authorize them to use my escrow account to pay this policy. This was stressed in multiple occasions when the Insurance department was contacted to report the irregular activities 6. On XX/XX/XXXX, despite the multiple communications and conversations held with the Insurance department, Nationstar issued a payment to XXXX XXXX XXXX.The payment was made via a bulk check for the amount of {$1100.00}. 
7. On XX/XX/XXXX, I contacted Nationstar to express my disappointment, and they offered me to have patience. 
8. As a result of these irregular, irresponsible and unauthorized payments, my escrow account is in deficit. As of XX/XX/XXXX, the balance in y escrow account is : - {$1800.00}. 

What kind of company manages customer 's mortgage escrow accounts as above described? 

How can a Mortgage company pay to two different insurance companies within two weeks ( XX/XX/XXXX and XX/XX/XXXX ) for the same property without contacting their customer and without taking in consideration all the conversations that had been held regarding the subject?
Consumer complaint received 2018-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

I received a credit monitoring notification that a new collection was added to my XXXX credit report on XX/XX/XXXX from Diviersified Consultants in the amount of {$2400.00}. It stated the account originated in XX/XX/XXXX. Upon my credit alert I have made numerous phone calls to this company regarding the matter and I have been unable to reach anyone. I did not receive any written notification regarding any debt with this company. Upon more digging on my own, I found the original creditor was a company I hadnt done business with for well over 10 years.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: MIDCOUNTRY FINANCIAL CORP (IN)

XXXX XXXX XXXX CONTRACTED WITH XXXX XXXX XXXX AND THE MATTER WAS TO BE HEARD BEFORE A XXXX XXXX   SUPERIOR COURT ON XX/XX/XXXX UNDER CAUSE NUMBER XXXX.

ON THAT DATE AND UPON ARRIVING AT THE COURTHOUSE, XXXX XXXX WAS APPROACHED BY XXXX XXXXXXXX XXXX XXXX. HE INFORMED HER THAT HE WAS AN ATTORNEY FOR XXXX XXXX XXXX. AND THAT XXXX XXXX XXXX   WOULD NOT HAVE TO APPEAR IN COURT IF SHE WOULD SIGN A SETTLEMENT AGREEMENT.

XXXX XXXX, WITHOUT THE BENEFIT OF COUNSEL, SIGNED A DOCUMENT ENTITLED " NOTICE TO DEFENDENT '' THE SETTLEMENT AGREEMENT.

AFTER GIVING LEGAL ADVICE TO XXXX XXXX   AND SECURING A SIGNATURE ON A LEGALLY BINDING DOCUMENT, XXXX XXXX THEN REPRESENTED TO THE COURT THE FOLLOWING : " 1 ) XXXX XXXX CONTACTED XXXX XXXX IN XX/XX/XXXX ) THE PARTIES AGREED THAT DEFENDANT NEED NOT APPEAR IN COURT FOR THE XX/XX/XXXXXX/XX/XXXX HEARING '' HERE, XXXX XXXX MISREPRESENTED TO THE COURT NOT ONLY 1 ) WHO INITIATED THE INITIAL CONTACT, 2 ) WHEN THIS CONTACT OCCURED, BUT ALSO 3 ) THE REASON WHY XXXX XXXX DID NOT APPEAR IN COURT FOR THE XX/XX/XXXX HEARING.

XXXX XXXX XXXX COMMUNICATION WITH XXXX XXXX  IS A VIOLATION OF RULE 1.8 ( CONFLICTS OF INTEREST ) AS MY CLIENT WAS 1 ) UNREPRESENTED, 2 ) WAS NOT GIVEN A REASONABLE TIME TO SEEK OUTSIDE COUNCIL, NOR 3 ) SIGED ANY WRITING WHICH WOULD ABSOLVE XXXX XXXX OF THIS CONFLICT.

PURSUANT TO RULE 1.8 OF THE INDIANA RULES OF PROFESSIONAL CONDUCT, XXXX XXXX XXXXS FORBIDDEN FROM SETTLING CLAIMS WITH UNREPRESENTED PARTIES WITHOUT MEETING THE WRITING REQUIREMENT AND GIVING A REASONABLE OPPORTUNITY FOR THE UNREPESENTED PARTY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (CA)

Around XX/XX/2007 my wife XXXX XXXX and I applied for a home mortgage from Wells Fargo Bank. Wells Fargo Bank in order for us to receive the loan with them required my wife and I to take a line of credit also.

Wells Fargo told my wife XXXX XXXX that in order to get the loan, the first loan on the house they were funding us for ( XXXX XXXX XXXX XXXX XXXX Ca ) we must take the line of creidit which will be like a second loan on the house.

Our mortgage with Wells Fargo would be conditioned, would only be granted if we took the line of credit - Were they ( Wells Fargo ) desirous of us using the line of credit and ultimately having to pay them interest fees on the line of credit?

I hypothesize so. Entrapment.

The issue is our home loan would only be granted if we agreed to their demand we take a line of credit.

The salesperson exploited my wife XXXX.

Evil. Evil. Give the customer the line of credit and hope they do not pay the full amount and charge them interest. Buyer beware indeed!!!!
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KS)

I was a victim of identity thief when my car was broken into in XXXX XXXX la. I have tried to submit the police report to XXXX and disputed through credit agency. When I call numbers for XXXX, companies have different names never the same. They are trying to sue me I have yet to receive any information from them other than courts. If they would talk with my and answer my disputes with request for information so that I can forward the police report this would be easier to handle. I dont know if this is a really company or scam. I need a correct number and address.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (IL)

I had a car with XXXX XXXX and I didnt have the car a full 2 months and I turned the car back in because I went out on FMLA leave due to medical cal issues. I asked if I could pay my payment late or lower my payments and they refused. I repeatedly asked for help and they just kept threatening to repossess the car. So I turned the car in and now they have it on my credit as repossessed and they have already sold the vehicle and put it on my credit as a repossession. I can not even get a car anywhere else because of the repossession. Please remove this from my report because I am in need of another car plus my son has a XXXX and I can not purchase another car with this on my credit.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am filing this complaint because after reaching out to capital one to resolve the issue they were not willing to assist. This complaint is in regard to 30 day late payment that is reporting on my credit history for the months of XX/XX/XXXX- XX/XX/XXXX. 

I was making monthly payments as usual through all of those months ; however, they are stating that a payment was returned in XX/XX/XXXX that I was not informed of which is why the history is reflecting the late payments. 

I have had an amazing payment history with them and I was not aware of any payment being returned nor did I receive any notifications from my bank nor Capital One even while I was making payments via their representatives. 

I feel if the payment was returned I could have been informed via mail or even by a phone representative instead of them not letting my know they continued to accept monthly payments as usual and negatively report my accounts to the credit bureaus when the situation could have been handled more professionally. 

I was informed by a manager on their escalations team to dispute the late payments ; however, upon initiating the disputes they continue to state they are accurate even though they informed me they would remove - update my credit file with the credit reporting agencies ; however, they have failed to do so. 

They also have address listed as XXXX XXXX XXXX, XXXX AL XXXX which is inaccurate.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

I use this card to rebuild my credit and I have my payroll and income taxes come to this card. The beginning of XXXX I had fraud on my card I was notify by text and I went online and saw my card was used I immediately contact the company and told them to stop the charges or do not let them go through they told me it was nothing they could do until it post but not to worry on a recorded line I would get my money back I have over 1000s of dollars deposit in this account monthly. I call and email this company everyday because I needed my money. Started XX/XX/XXXX to XX/XX/XXXX for a total of XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX again this company did not investigate at all and declined my claim because I called everyday and filed a XXXX XXXX claim
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jason A Craig, PC (GA)

I continually get calls from XXXX stating they are with Jason Craig and Associates.  Very nasty and refuse to leave a reason to their call when someone answers the phone when I am not available. I have NEVER even received any form of legal mail from this company.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Bessemer, Inc (AL)

I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
Consumer complaint received 2018-05-24
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: BMO Bank, N.A. (NV)

I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH THIS COMPANY.. I CALLED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX WHEN CHARGE WAS ON MY STATEMENTS TO REPORT FRAUD WELL I NEVER RECIEVED THE CREDIT BACK FROM THEM, SO I CALLED THEM AGAIN THIS YEAR AND THEY ARE NOW TELLING ME THAT I NEVER FILED FRAUD WITH THEM ... I TOLD THEM I DID BACK IN XX/XX/XXXX AND I WANT MY MONEY BACK. THE REP TOLD ME THAT IT WAS TOO LATE AND THEY CAN ONLY GO BACK 30 DAYS I ASKED FOR A MANAGER SO MANAGER XXXX CAME ON AND TOLD ME I ONLY HAD 60 DAYS TO REPORT I TOLD HER I REPORTED IT BACK WHEN IT HAPPEN AND SHE SAID I DIDNT ... THIS IS SENIOR CITIZEN ABUSE AND THEY SHOULD BACK ME AS A CLIENT.. PLEASE HELP ME GET MY MONEY BACK I AM LIVING ON A FIXED INCOME. I WILL LIST THE CHARGE FOR YOU XX/XX/XXXX HELP FOR TIMESHARE BUT IT WAS UNDER ANOTHER NAME TOO SOMETHING XXXX.. FOR XXXX ON MY XXXX XXXX. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2018-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

My husband and I submitted a credit investigation request to the credit bureaus on XX/XX/2018. More than 30 days have passed, and we have yet to receive our results.