davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CO)

I sold my home that was mortgaged through Wells Fargo. We closed and my title company attempted to pay off my loan on Tuesday, XX/XX/XXXX. Wells Fargo would not allow the payoff citing an escrow shortage of {$4700.00} incurring {$32.00} interest each day. They received the payoff request no later than XX/XX/XXXX from the title company so should not have issued any payments. Additionally, I tried to inform them and produce documentation that I had paid for the insurance policy out of pocket, and that it was not paid from escrow. I confirmed with my insurance company that they did not send a bill to Wells Fargo, just confirmation of the policy. The insurance company also confirmed they had not received any payment from Wells Fargo either. Wells Fargo failed to produce any documentation to me to confirm proof of payment, no receipt, bill from insurance, no check #, nothing. Instead they yelled at me and mansplained what escrow was and how insurance works and ignored my requests for documentation demanding that I wire funds over the phone in order to complete the payoff of my mortgage. I asked for a manager and was not connected to one. When I tried to conference call back with my insurance on the line, I could not get through to anymore. Wells Fargo erroneously is dragging this out and charging me interest and it seems is getting dangerously close to making me default on my mortgage for non-payment as they will not allow the payoff. They are not producing any documentation as proof of their payment and my insurance has not received any payment from Wells Fargo. This should have been a joyous, easy and exciting payoff transaction that Wells Fargo ruined through their harassment, condescension, lack of accountability and failure to take action to remedy the situation with urgency. I feel scammed by their lack of professionalism and attempt to hold my payoff hostage unless I produced {$4700.00} to them through a phone wire without producing any documentation as proof of their payment. I am sickened by their unethical business tactics and felt that the bureau needed to be informed as these tactics likely are effective on those that are less savvy than myself to refuse payment without them producing documentation. The customer service reps were incredibly rude to me and the title officer, claiming that we " don't understand how this works. '' I highly suggest alerting the authorities to this attempted fraud that I fear may negatively impact my impeccable credit. Meanwhile, Wells Fargo continues to demonstrate poor treatment of their consumers and unfair business practices.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

I recently pulled a copy of my credit report and noticed that there is a collection on my credit report. Its the only collection that I have and it does not have a number to contact the company. I also tried to XXXX the phone number and was not successful. I also tried to find the address and was unsuccessful. I am not sure how to find out information on what this is if I dont have a way to contact them.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Recently I found out a credit card was opened XX/XX/2024 in my name through my social security number with my date of birth. They have built up charges just from using it overtime the address or phone number linked to the credit card arent mine unfortunately & Ive never owned a credit card or bank through capital one or owned a credit card at all I just tried to sign up for one and got declined.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

XXXX recently changed their login policy that they need to send you an e-mail verification code in order to access your account, they have no procedure in place to send the code via phone. My issue is if I need to get to my account and dont have access to e-mail, I am shut out of my account.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (MD)

Bank of the West was sold to BMO Harris. My wife won custody of our RV when I didnt have the money to pay the loan. The bank refuses to take my name off the loan even though the debt is legally no longer mine. We ( me and my ex ) both provided them the divorce decree and theyve refused to take me off the loan, demanding that my ex refinance the loan so they can earn more money. I should not have to carry {$110000.00} loan on my credit report when I am legally no longer responsible for this loan. Please advise. Many thanks.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, Contacted Experian to have items removed from my Consumer report Because they the violated the following -15 usc 1602 -15 usc 1692 -FCRA section 605b in which I was not aware of nor did I give permission to have said items that were disputed to be reported on my credit report
Consumer complaint received 2024-08-03
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: U.S. BANCORP (FL)

I applied for a XXXX XXXX  offer from Fidelity on XXXX. On XXXX I received a letter from Elan Financial Services stating my application was denied because XXXX was reporting a credit score of XXXX. Naturally, I checked XXXX, and my credit score on XXXX was XXXX. I looked at my Fidelity account and Fidelity XXXX XXXX showed a score of XXXX. I called Elan Financial Services on XXXX and spoke to XXXX XXXX XXXX, who was of no help at all. I also called XXXX the same day and spoke to rep XXXX, and explained to her what was going on, call reference # XXXX. NOBODY CAN TELL ME WHY XXXX IS TALKING OUT OF BOTH SIDES OF ITS MOUTH!! Obviously this is somebody's idea of a prank or XXXX XXXX. I have spoken to an attorney and we are currently composing a letter to XXXX and Elan Financial Services. I would like a reasonable explanation as to why this is happening, but it is apparent that the important people at either XXXX or Elan Financial Services are more ignorant than I realized. God help the United States if these are the top brass calling all the shots and trying to make our country great again!
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (UT)

I made a purchase with a Chase credit card. They offered and I accepted an interest-free 18 month extended payment My Chase XXXX. After XXXX payments they told me I had paid off the plan, despite the fact that I still have a significant balance on this purchase. 

I asked why this happened and they said it was because I received a credit of more than the balance and it was applied to my loan, thus paying it off. This credit was for a purchase that was canceled within minutes of the charge, and clearly should have been applied to that purchase. However buried within the terms of the loan are terms that say credits are first applied to the loan. 

I feel this is deceptive, as the net effect, and XXXX sure it is not lost on Chase, is that it effectively pushes the loan terms from low or no interest to the maximum credit card rate if the purchaser does not have the cash on hand to pay off the loan balance. This is particularly insidious as most are unlikely to remember for 18 months that they cant have any credits applied to the card account. Furthermore it negates any budgeting that one might have done while taking that payment plan into account. 

This sort of hidden up charging of interest rates should be banned. And if not banned the consumer should be given the choice of how a credit is applied to their account.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (MO)

I had my account freezing or over XXXX years and XXXX let companys run my credit report with a soft pull. On past and current times. They are report collection on my report that I shown different times on my XXXX XXXX ( XXXX XXXX XXXX ), and ( XXXX XXXX XXXX ) this account should be on my account. Showing late payments to account that I was not playing.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (LA)

This complaint concerns " vanishing '' reward points on my Chase Sapphire card. I had XXXX reward points worth {$24.00}. I chose to redeem these for an Amazon gift card to be delivered to me by mail. 

Chase confirmed my order via email ( confirmation # XXXX ) and stated that my Amazon gift card should arrive by XX/XX/2019 ( copy of Chase email attached ). 

The gift card has not arrived, but my Chase Sapphire account now indicates " XXXX '' reward points. Chase has eliminated my reward points, but I have not received an Amazon gift card. 

I have logged into my Chase Sapphire account and messaged Chase about this matter, but have not received any response. 

My name and account information are as follows : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Chase Sapphire account ending in XXXX.
Consumer complaint received 2023-08-01
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Newport Intermediate Inc. (MI)

I just want my money sent to me via check like the letter that came with the prepaid card said I could but the URL is broken and they do not allowing registration because of technical problems. Calling the number trying to talk to someone just leads to a dead line.
Consumer complaint received 2024-08-03
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 (MN)

am writing this because this car was bought for my daughter under my name on the Honda loan. The problem came when recently she submitted a payment and like any other payment, she received a " thank you '' email. She then had no issues and got the payment out of the way. Then a couple days go by and I received an email saying there was a " missed payment '' on your credit report. So then I asked my daughter and showed me the email, clearly saying a thank you.

We then got in contact with Honda finance and they stated the payment was for some reason declined. So In the process of that, her money got token out from another company for a service and was thinking, the whole time the car payment was fully made and it wasn't an issue, Come to to find out she the payment declined for no reason. My daughter then got in contact with her bank and it said honda reversed the payment, unsure why. 
Now her money was token out from her bank from another service, and didn't have enough to cover the payment since she got tricked into thinking she had made the payment which she did clearly. then had no choice to wait until uer next check and paid what she could which was {$400.00} and now counting as " 30 days late '' This is unacceptable I would like for this to be removed as it caused confusion and got my credit messed up saying I missed a payment. Since then, I recently let my daughter know to resubmit and I will be in contact with XXXX XXXX since honda wasn't much of a help
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We had some late payment on out account due to the XXXX XXXX Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of XXXX
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and my consistent requests for a thorough investigation, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardship, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

My father, XXXX XXXX XXXX, died on XXXX XXXX, XXXX. I am listed as a beneficiary of his IRA ( s ) held by Umpqua Bank. 
I'm a XXXX y.o. XXXX XXXX  and I legally changed my name and XXXX  in XXXX on my birth certificate, drivers license, SS card, bank accounts, etc. I did not go through the courts because in Oregon you are not required to do so when you first change your name. However, Umpqua Bank is denying me access to my beneficiary monies because they want " court papers showing a name change required '', which I don't have because it is not required in Oregon with your first name change. 
I have tried on four separate occasions beginning on XXXX XXXX, XXXX with my final attempt on XXXX XXXX. Each time I brought in different documents with my former name ( including the letter Umpqua Bank sent me informing me of my beneficiary status ) as well as my current LEGAL name and each time I have been denied disbursement with their same statement -- '' court ordered name change papers required ''. 
I did everything I was supposed to do to legally change my name and XXXX  in the eyes of the State and Federal governments. How am I supposed change my legal name which has already been legally changed to my legal name? I'm stuck in a XXXX and I feel like they are jerking me around because I'm XXXX. 
I did not have this problem with a life insurance policy on which I was listed as a beneficiary. The life insurance simply changed my name over-the-phone and I received my monies within 5 days! It is going on three months with Umpqua Bank. 
Any advice you can offer will be greatly appreciated. 

Thank you. 
XXXX XXXX
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

I was victim of an online scam. A guy I met online and was talking to for weeks told me he was a coin base trader. He convinced me to open a XXXX XXXX  account and transfer XXXX and he would help me. He sent me a fake link where I input personal financial information. He then told me to send my XXXX and buy XXXX and send to XXXX XXXX The XXXX link he sent me was fake and the money was gone. I confronted him but he blocked me, I found all the pictures he ever sent me were someone elses.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MO)

I have been trying to reach out to XXXX financial in regards to a Lien on an old auto account ( 2005 ). I have came to find out they are no longer in business and has been taken over by another financial institution. ( Ally ). I have reached out to them in regards to my request without success. I no longer have the vehicle and was repossessed/ given back to them. I no longer have the account information that I am needing to be able to get a Lien release from said account.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo assesss overdraft fees at the amount of {$35.00} per transaction and will only refund XXXX per 12 month period. According to their guidelines my account does not qualify for overdraft protection and according to the FDIC a consumer must opt into overdraft protection in order for a bank to charge the overdraft fees. I am unsure as to how I am being charged fees if I did not opt into overdraft protection. 

These fees were assessed on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year> at {$35.00} each. If the funds are not available then the transaction should not process. 

Ive also had a previous account closed due to it being overdrawn over 60 days. The overdrawn balance was less than {$30.00} and it was due to another overdraft fee for an overdraft program my account did not qualify for not did I opt into.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I have two hard inquiries on my credit report that I did not approve. One is THD/cbna The other is XXXX XXXX XXXX XXXX I need my accounts protected immediately.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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