davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I have submitted a complaint already but it seems i can only put XXXX account number in so i 'm doing another because i have XXXX accounts opened by Wells Fargo with out my knowledge. So while applying for my first credit card i could n't get passed the red screen and there were no records of any accounts being closed for being negative or being sent to collections. When i was accepted for a new job XXXX a few days before i was supposed to start they pulled back there offer and said its because of my background check on my credit. I contacted XXXX and found that i had XXXX accounts from wells fargo sent to collections and that i owed over a thousand dollars. I took the account number and contacted Well 's Fargo about it and had them give me the application for the accounts. All the info points to fraud and it happened in XXXX in the middle of the scandal going on. Looking over the application i have never met the banker or stepped foot into the branch. Also i never owned a business and the documents are missing paperwork that says the business is an actual business. Some how they got a hold of my mothers phone number and used that as the business phone. Put XXXX for some boxes and said i grossed {$5000.00} in XXXX when i was n't even XXXX yet. The documents also have no signature and are boxed to be filed manually and from my understanding from my banker that means i needed to be there to open the accounts and there needs to be a signature.
Consumer complaint received 2015-09-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

After being laid off on XX/XX/XXXX within the months that followed, it became increasingly difficult to pay the full amount of my mortgage at XXXX time due to lower unemployment insurance ( UI ) payments. By XXXX I was informed that my UI had run out. Eighteen months before I had received a home modification. When I consulted my home preservation specialist with my loan company ( Wells Fargo Home Mortgage ) she informed me that I should be able to get another modification. 
I was told to pay a lesser amount that was about XXXX of my current mortgage while the modification was being reviewed. After about 5 months I was informed that I was denied the modification and told to pay the {$5000.00} plus arears that I owed or be foreclosed on. I did not have the money so today I am in foreclosure due on XX/XX/XXXX 
In addition, I changed my home insurance in XXXX XXXX and was given a refund for the remaining 5 months which I in turn attempted to deposit back into my escrow account to account for the insurance shortfall when the new coverage began. WFHM did NOT apply that refund back to my escrow account. They posted it towards my " INTEREST '' and said I owed on my escrow account and charged that amount back to my principal!!! Now I have an increased principal due to this misapplied payment. The principal depart and the escrow departments are in conflict where those monies were applied. Neither will admit that made the payment towards to the escrow only that they can " see '' the payment was made. Now my escrow shortfall has resulted in an increased monthly payment.
Consumer complaint received 2016-01-19
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (FL)

Purchased prepaid card on XXXX/XXXX/XXXX from XXXX. 
Did not use card until XXXX. 
Apparently someone else used the card number in XXXX to purchase goods or services AND registered this card number under their own name. Called issuer on XXXX/XXXX/XXXX. Issuer was vague and unresponsive. Suggested I fax in supporting documents, which I did on same date. 
It appears that this card number may have been issued twice. 
Issuer has failed to respond to my fax.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I purchased XXXX tickets to a show using my First National Bank of Omaha credit card. The show was canceled. The money was refunded to the credit card. There was a balance of {$130.00} when the money was refunded. The credit card company will only send me {$470.00} and kept the {$130.00}. for a payment. I requested a check for the full amount {$610.00}. The payments to the card were current with no past due balance. They have no right to keep my money. I did n't want the balance paid off at that time. Some of that money I needed to give back to the people that were going to the show with me. It 's wrong and they should have sent me the full amount.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

XXXX XXXX has been reporting Negative item since XXXX XXXX. Past 7 years. I have not receive any investigation results from Equifax. Previously disputed in XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax did not provide me a proof of VALIDATION OF 1st Delinquent Date
Consumer complaint received 2016-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC (LA)

My vehicle was repossessed last Saturday XXXX. Full disclosure, this is the second repossession and the first was in XXXX XXXX. I redeemed the vehicle shortly after and have made every payment ( sometimes early ) which means I am NOT in default. According to my contract, my payments are due on the XXXX of each month. XXXX, XXXX, XXXX, and XXXX have all been paid. XXXX will be due soon. I am not understanding why my vehicle is gone. 
Let 's say I was in default, which according to my recent payment history i am not, according to my attorney, Go Financial illegally and wrongfully repossessed my vehicle. Below you will find the act according to Louisiana Law. 

Effective XXXX XXXX, XXXX, Louisiana 's Act 191 ( " Additional Default Remedies Act '' ) and Act 814 ( " Notice of Repossession '' ) permit a " secured party '' or " a lessor '' to take possession of collateral without judicial process provided : 1. ) the Security Agreement, or lease, contains the following specific wording : " Louisiana law permits repossession of motor vehicles without judicial process '', 2. ) prior to taking possession, a notice of intent is sent to all debtors, in writing, containing the specific wording : " Louisiana law permits repossession of motor vehicles without further notice or judicial process '', 3. ) a " payment '' default exceeding 30 days ( monthly installment contracts ) or 60 days ( weekly or bi-weekly contracts ) I never received a notice letter of intent. Because I was not 30 days behind. 
Nor can Go Financial show where I was 30 days behind. 
In addition, after the vehicle was taken, I contacted Go Financial. They gave me the recovery company info. After speaking with them, they asked if I would mind if I could meet up with the driver to sign a self-help vehicle surrender form which obviously needed to be signed beforehand. 
I am also in the process of filing a suit because I have lost a significant contract with a client worth $ XXXX. 
Lastly, I am requesting correspondence via email.
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Late fee — 
Company: BBVA FINANCIAL CORPORATION (FL)

I signed up for a credit card with XXXX XXXX Bank in XXXX XXXX, Florida. They apparently collaborated with BBVA Compass to issue cards for them. I pay my bills online through my XXXX XXXX Bank checking account. Most of my bills are paid electronically except for the BBVA Compass XXXX which would not accept electronic payments ( seriously? ). I would schedule the payments 5-7 days before the due date but would always end up with a late charge of {$23.00} and a finance charge ( I pay off my balances every month ). When I would look at my XXXX XXXX Bank transactions it would show the checks sent on time but for some reason Compass Bank would not " receive '' the payment until the day after the bill was due. I would call every month and complain about the late charge and finance charge and every month they would graciously reverse the late charge but would not reverse the finance charge. I believe XXXX XXXX Bank was scammed by BBVA Compass with no electronic payments and unfounded fees to their customers. XXXX XXXX Bank ended their relationship with BBVA Compass Bank for credit cards ( effective XXXX XXXX, 2015 ). As this was a cash rewards card I called BBVA Compass about my cash rewards balance being applied to my final statement but was told this was only credited on the anniversary date of the card, which in my case, is XXXX. So it looks like I was scammed with finance charges and now lost cash rewards! I am only one person and I know I am not the only one who was caught up in this scam.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I have send XXXX different disputes to Experian Credit Bureau about inaccurate information on my credit report. I sent the disputes certified mail w/ return receipts. I included XXXX forms of ID with my current home address. Each time, Experian sent me a response letter that said they would n't honor the disputes, because the request was suspicions, then they would say that I did n't send ID documents, which I did send. Then I got another suspicious request response. When I called Experian on XXXX/XXXX/2015 I was told that a manager would call me back within XXXX hours to discuss this matter. I have not received a call back. They have seriously violated the Fair Credit Reporting Act and made it so I might not get the promotion at my job. 
The accounts reporting are XXXX, when I call XXXX, they tell me that they already sent requests to Experian to delete the information from my credit report. But Experian claims they do n't see the request.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

I have sent XXXX letters to Experian Credit Reporting Agency now in regards to old debts on my account from 2004. The FTC says these debts should drop off your credit report after XXXX years. I notified Experian that these are still on my credit report, yet after XXXX months have not had one response in regards to them and they still show on my credit report.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I recently pulled my credit reports after being denied credit and found several accounts that were not mine. I put a Fraud Alert on my credit report with the XXXX main credit reporting agencies. I then sent a letter to XXXX XXXX XXXX on XXXX XXXX, 2015 who are listed as collecting for XXXX. I requested proof that this accounts belongs to me and copies of any documents showing my signature where I agreed to pay this card. I have received NO response from XXXX XXXX XXXX. It has been well over 30 days now without a response. I am demanding proof of my signature on a contract saying I would be liable for this account. They can not continue to ignore my request, nor can they simply say that because someone with my name who got ahold of my SS # and opened an account under my name makes me responsible. I am demanding that they delete this incorrect account from my credit report with the XXXX big credit reporting agencies immediately.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (MD)

I am writing to express my deep frustration with your continued failure to address the inaccuracies related to the account referenced below on my credit report. Despite multiple attempts to rectify this issue, the erroneous entry persists, causing significant and unjust harm to my credit profile.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (OH)

I recently was selected to upgrade my Discover Secured Credit Card account to a Discover Unsecured account. This transaction occurred several months ago. I logged into my Discover credit account online to apply for a credit limit increase on XXXX, 2017. The website submitted my request and it went on for further review. The message stated, " Your request is under review. Decisions are typically made within 2 business days. There is nothing else that you need to do at this time. '' I was not contacted by Discover Bank and did not get any confirmation email that my request was under review. 

I contacted Discover Card Customer Care within the 48-hour period and was told that there is an ongoing system issue that is preventing my requests for a credit increase to be reviewed by a credit analyst. No timeframe was given to reapply. I was told to keep resending the applications if I get " bored '' and to see if it gets fixed. 

I also attempted to contact the online chat support, and I was informed that the credit analyst team did n't review my request for an increase and that I should call them. When I contacted them, they advised me the request had to be deleted. 

I feel that Discover is unfairly preventing me from utilizing my account by not accepting requests to increase my credit limit. Other Discover Unsecured credit card customers are able to submit requests to increase their limit, and sometimes get instant decisions, however, " graduated '' customers are not due to a system issue because my account was upgraded. I feel as if Discover bank is discriminating against me because I had a secured card, and will not allow me to ask for a higher limit on the upgraded account. I feel as if " Graduated '' customers of their secured card are not fairly treated and that their lending practices are not fair as we can not request an increase in credit on our accounts. Our requests are queued and then deleted.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

I was hospitalized in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was XXXX XXXX and the current one is Harris & Harris.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

XX/XX/XXXX I took out a loan to refinance my XXXX Buick Encore from One Main Financial, XXXX XXXX XXXX XXXX XXXX, CO XXXX with XXXX XXXX. XXXX XXXX called and stated several times that she could consolidate the signature loan I had at the time and the new refinanced auto loan. She said I qualified for a good rate and could pay off my car in less time as my loan with XXXX XXXX. She said that my payment would be about XXXX per month in total. I went in on XX/XX/XXXX to do paperwork on the loan. On this date XXXX XXXX stated that I also qualified for an additional XXXX within the confines of the loan. She spoke and spoke a lot and I signed the papers as she printed them off. 

The following week, I received papers indicating the payoff of the pre-existing loan. Then on or about XX/XX/XXXX, I received a call from a women at the branch who would not identify herself. She said she was the manager and that the loan I received did not payoff the existing loan and that they would continue to take payments for that loan and for the new loan. She said that I had until XX/XX/XXXX to return the XXXX and the loan would be null and void. I had used the funds to pay legal fees so I did not have the funds. This women belittled me and stated that if I had read the loan documents I would know that the total loan would have been closer to XXXX. I would have returned the funds easily if I would have been called the XX/XX/XXXX. I am currently paying this company nearly XXXX per month. I feel I was a victim of fraud and mislead. I feel I was pursued with malice. 
I was also zealously encouraged to purchase the life insurance policy. 

I have suffered XXXX since XX/XX/XXXX and have been so impacted by this. I only now have been able to take the papers out and look at them. I have been making the payments faithfully.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When XXXX manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/2016. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. Equifax just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This issue was to be resolved on XX/XX/2021. I was issued a gift/credit card for a return that I made. The amount placed on the card was around XXXX. When I scratched the numbers off on the back of the card, the four digit pin was not readable. I have made numerous phone calls and email with their customer service. I was promised numerous times that I would be issued another gift card. It is now XX/XX/XXXX, they do not return my emails, and I get the same run around when I call.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

As surviving spouse  I am having an extremely hard problem getting my late wife credit report from Equifax. I complied with original instructions of sending her certificate of death and copy of my license.  I received a letter from them stating I also need notarized order of probate court showing me as executor or testamentary that shows I handled my wife consumer affairs.  Neither of these XXXX documents exist. As residents of Pennsylvania none were required because, according to our estate attorney, everything from bank accounts, investment account to property, (house and cars, etc.) were jointly owned. Under PA law all assets were automatically and WITHOUT court orders become the owner of the surviving spouse.   After XXXX hours on the phone with Equifax they would not budge. They told me I am not entitled to see report unless I can produce a document that does not exist and never needed to exist under the laws of Pennsylvania.  Thankfully I have not had this experience with XXXX and XXXX.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (IL)

About a month ago, I changed the due date of my Discover card. I am enrolled in Discover 's automatic payment program, and on XXXX/XXXX/15, Discover scheduled the automatic payment of the {$3.00} minimum payment, which Discover showed cleared my bank. However, because apparently Discover decided to withdraw this payment XXXX days after the bill 's due date, they decided to announce a penalty increase of my interest rate, as well as threaten decrease in my " creditworthiness. '' Resultingly, they removed my promotional option to make no-fee 12-month 5 % APR balance transfers.