davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

My monthly mortgage payment has been the same for the over 4 years since closing, ( with a variation of plus or minus {$20.00} at the most, due to insurance/taxes variations ). Since closing on the home, the mortgage has been transferred to several different companies, without me doing anything, which I understand is normal. Again- throughout the entire 4 + years, my monthly payment dues have been relatively consistent. 
XX/XX/XXXX, Wells Fargo acquired my loan from a company called XXXX XXXX. It is now XX/XX/XXXX. Up until now ( XX/XX/XXXX ), my monthly payment requirement has not changed. Upon going online to pay my payment for the month of XX/XX/XXXX, the amount due has now increased ~ {$150.00} EACH MONTH!!! After numerous  calls to Wells Fargo, to attempt to resolve the issue, I have been instructed to just pay it and they will " review '' my account ... Their explanation is they have decided that they need 2 + months " cushion '' in my escrow account ... ( why now, why all of a sudden? ) ... at this rate, this provides them with roughly {$1800.00} per year " cushion '' in addition to what has worked fine for over four years ... NONE of the previous mortgage companies that have held my mortgage have ever required this, nor had an issue with the monthly amount paid. Wells Fargo could have easily, and should have done some kind of assessment of the account NINE MONTHS AGO when they acquired the account from the previous company, and notified me of their issue then-not just out of the blue increase my payments unjustifiably almost a year later!!! I checked and verified increases in my homeowners insurance/flood, and taxes have only increased approx {$160.00} ( homeowners ) {$30.00} ( flood ) {$20.00} ( tax ) = $ XXXX/year. That's only an increase of ~ {$18.00} per month, NOT ~ {$150.00}!!! 
When someone purchases a house, car, or other major expense, they purchase according to their budget. With an additional ~ {$150.00} per month expense, this is NOT part of the original budgeted amount for a mortgage payment. In my opinion, Wells Fargo is attempting to regain funds lost in their recent lawsuits and frauds. Literally blindsiding families on a fixed budget with a SUBSTANTIAL monthly increase will not only lead to late fees, but foreclosures ... .This company needs to be put out of business for this latest unethical tactic. Please help!!!!
Consumer complaint received 2024-04-09
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. (FL)

XXXX XXXX XXXX Balance XXXX  Original creditor XXXX This account does not belong to me and has been listed in error. This account was previously removed from my credit report. It appears it has been sold and relisted.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Upgrade, Inc. (NV)

the transactions were supposed to be for the landlord and the money was sent for an application and security deposit. We had been communicating for a few days beforehand and he sent me more than one property that was listed on the company 's website. When we spoke we had agreed to do everything in payments because I had not met him yet. I was unable to get ahold of the management company to verify his identity until after all the transactions were made sadly. I sent the money to his " lawyer '' and " lawyer 's wife '' and have their XXXX  and XXXX. When i had asked for a refund and to cancel our agreement, he claimed he would need to take a fee out of the money sent in order to send it back, which i know isn't the case. I spent a week afterwards attempting to get my money back not just from him but from my bank as well who continues to deny my claim even with the proof i have. My bank has denied me multiple times despite constantly asking me for more information every time I have appealed it. They are refusing to refund my money even though this was a horrible scam and it has been explained to them. due to this experience I was homeless for 2 months with my fiance and our animals. This is unforgiveable on the company 's side and from this horrible person who took advantage of us.
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (TX)

CFPB Ref No : XXXX Dear XXXX XXXX XXXX XXXX I attached copies of proof of payment from XXXXXXXX XXXX XXXX XXXX XXXX statement from XXXX XXXX  XXXX and your letter dated XX/XX/year>. 

The reason for not being able to find or not locate the fund of {$800.00} is that no one looked at where the payment was sent to the account of XXXX instead of XXXX on the proof of payment from XXXX XXXX. 

My complaint was the {$800.00} I paid electronically to my personal loan with American Express for account number XXXX. 

Please look at the account of XXXX on proof of payment from XXXX, and you can complete the complaint.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Post Lake Lending Inc. (KY)

I got tricked into taking out a XXXX dollar loan with 786 % interest XXXX dollars a week for 1 year which turns out to be XXXX dollars i just want out of the loan i dont want my account deducted every week
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was significantly overcharged on my Capital One credit card for a taxi fare while traveling abroad in XXXX XXXX. I almost immediately disputed the charge and Capital One opened an investigation. The merchant did not request my signature and would/could not provide me a receipt and the time of transaction. The agreed upon fare and what I was shown on the handheld card reader was XXXX {$700.00} ( XXXX {$40.00} ). Later, the charge appeared on my card at USD {$290.00}. After my unsuccessful attempt to settle the dispute with the merchant, Capital One claims the merchant was able to provide proof of payment - a signature. I never provided a signature, and Capital One will not provide me with documentation of this forgery. I then submitted a formal written complaint explaining the incident to Capital One and was nearly immediately rejected. There has been a complete disregard for consumer protection. My request to replace my account number for fear it's been compromised have gone unanswered. And the original date of the transaction was XX/XX/2023, and this dispute has still not been resolved.
Consumer complaint received 2023-11-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

Noticed my PepBoys account/ Synchrony Bank was closed the representative said it was closed due to my credit score. Which doesnt make sense because I always paid my account on time it is on auto pay through my bank. This in turn has had a negative effect on my credit score. I feel I was treated unfairly. Which has caused a negative outcome. I would fully understand the decision if my card was in default however that couldnt be further from the truth! Companies cant treat consumers in this manner without proper cause and my credit score doesnt have any bearings after being given credit with a company and as stated previously payments were on time and up to date. Nor did anyone explain these stipulations prior to credit approval. This is completely unacceptable and no consumer should be treated in this manner!
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (NV)

I have been trying to get these unidenitied inquiries off of my credit report for some time now. When I try to get pre_approve for a credit card I can't because of theses inquiries being one of the reasons. Ive tried to get a Pre- approval for a house and these inquiries was the reasons I couldn't and that's a huge deformation of my character.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc. (IL)

company sent a letter stating i owed for a traffic ticket the letter stated that if i wanted to dispute the ticket i was told by miss XXXX i could not dispute the charge i read to her the part in the letter that stated i could dispute the debt then she asked me why i wanted to dispute the charges i toldher that this did not apply to meshe said that this involved a XXXX and a XXXX i told her i have never owned a XXXX   or a XXXX  then she gave me the last 4 of the social and date of birth i told her that was not me then she asked me if i had a son was i senior or a junior i told her that i was not the person who she was looking for she got rude and indigant and hung up this company needs to correct their records and be punished for their actions
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2018-09-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Bank funded more than the car loan was supposed to be : XX/XX/XXXX - purchased a car from a local dealer using a USAA loan - Dealer sent correct purchase information to USAA for the balance due of {$22000.00} XX/XX/XXXX - Loan shows up on my USAA account for {$5000.00} more : {$27000.00} - USAA admits the dealer sent over the correct amount and that the error was on USAA 's side - The only option USAA is giving me is to : a. Take out a new loan with USAA for the correct amount, which they will use to pay down the original incorrect loan ( yes, a new loan application and everything that goes with that, including reporting it to the credit companies ) b. USAA will then ask the dealer to refund the {$5000.00} sent in error c. Once the dealer refunds the money, USAA will pay off the remainder of the original loan USAA is insisting that I have no other option. They said they will let the credit agencies know what happened, but that doesn't chance the issue with a loan in my name that I did not authorize. 

Do I have any recourse to get them to correct the loan without leaving the extra {$5000.00} loan in my name pending the dealer 's refund?
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (PA)

A company called " The Bureaus Inc '' is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4600.00} but I have never done business with them and I have never received any responses to my requests for information. The account number on my credit is : " XXXX '' with an open date of XXXX 2013. I am getting all of this account information from my credit report. According to my report, it seems that this debt was related to an old XXXX XXXX account but this is what does not make any sense. I do have accounts with XXXX XXXX but all of them are in good standing. I have two active XXXX XXXX cards that I 'm currently using and paying back. If what this company is reporting is true and I really had a bad account with XXXX XXXX I would not have two open credit cards with them that I am still using. This collection agency is trying to scam me and they are refusing to verify why they are charging me this money. This is why I am filing this complaint. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. There is a 100 % negative review rating on the XXXX XXXX XXXX XXXX website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2023-05-09
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: ZINC Financial, Inc., (CA)

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Hello, I purchased a 2020 Toyota Highlander XX/XX/XXXX. When I purchased it I knew the interest rate was going to be higher then what my excellent credit score reflected. 

I went online today XXXX XXXX to get the phone number to my lien holder Toyota Motor credit corp and discovered that according to your reporting agency, are being sued for illegal lending and credit reporting misconduct. 

This was dated XX/XX/XXXX. 

I put quite bit of money down to lower my payments. When told about the financing there was no explanation other than I had to have their lien holder for 6 months. Its after that 6 months I could refinance the loan with whomever I wanted. 

I wasn't happy to hear that and questioned it and was told that's how they do it. At first I thought he was a new salesman but went along with it. 

Come to find out that it sounds like in the background, they were found to pay millions in illegal lending and credit reporting misconduct. 

I have never been told and when I mentioned it to friends, that I had to go with their lender for 6 months and couldn't get a cheaper rate? 

They do not do a good job in explaining things and their paperwork is usually quite lenghty. 

Please let me know if I qualify to take part in this illegal lending practice. 

I will be calling to see if I can in fact refinance my loan sooner rather than later. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2023-11-04
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: SYNCHRONY FINANCIAL (TX)

ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/23, I enrolled in a cyber security course provided by XXXX. The course was provided for free with the option of paying a fee to obtain a certificate for the course upon completion and passing an exam at the end of the course. I paid the fee to obtain a certificate at the end of the course. 

At the end of the course, there was no test to test your knowledge and skills so I advised XXXX that this was not part of the deal and feel scammed. I asked for a refund I recently filed a dispute with bank of America, however, my money has not been refunded
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (LA)

I found there are some unathorize hard inquiries on my credit report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-03-21
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2018-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

I disputed and requested Experian me the name of the courthouse ; the persons name they verified the dispute with ; the address ; the telephone number ; and the documentation used to verify the dispute as it related to the Bankruptcies on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. 

Experian did not provide me and have declined to provide me with that information, instead I was told the information was verified by a third party vendor. No additional information was provided. It's my understanding that credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information.