davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NE)

I was offered a loan in XXXX at XXXX by this company despite my credit issues. The principal was paid over the amount but ally kept putting the principal payment towards the interest at the beginning of my loan. They were supposed to hold payments due to covid after my request to do so by order of the government but they didn't give me that time. They repossessed my car and pretended someone stole it after I reported the fraud on my principal payments. This was a santander loan they got in trouble with. I notified the governor and they said I had grounds to sue for near XXXX. Ally sold my car then got XXXX for it and wrote it off because it was more than I owed on the car att. There should be no debt for this vehicle as they sent me notification of the sale of the car but they put me through collections anyway. It's on my credit report. I want it taken off. How much fraud can one company do. This is absurd that you would respond and say you don't do business with anyone in XXXX. I just moved here. Car was taken from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020. Right after the governor sued this company for loan fraud.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am being taken advantage of as a consumer by Chexsystem. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We have mortgage with PennyMac. We closedwith builder 's Lender in XX/XX/XXXX, our mortgage was sold to PennyMac before we made our first payment. Our 1st mortgage payment was due on XX/XX/XXXX. Since that date we have been making our mortgage payment on biweekly schedule. It is been three years with PennyMac. Our mortgage payment included PITI ( principal, interest, homeowners insurance, property taxes and Mud taxes ) all have being collectedin escrow Since day one with PennyMac. 

PennyMac never collected enough funds to cover our escrow. They ran escrow analysis before our taxes and HOI become due for all three years and they used wrong figures to calculate our escrow. We have talked to PennyMacafter shortening ourescrow account severely now they have double our payment which is {$1400.00} to now it is {$2700.00}. I do not work my husband does XXXX we are barely surviving.we contacted PennyMac and told them they made a mistake and it is causing us major dent in our pocket. They deprived our escrow account for three years by using wrong figures andnow they are collecting all at once. We can not make such big payments. We need legal help to avoid any kind of legal action or late payments. Please help us we are looking toresovle this matter. This is not a small escrow collection mistake it is a HUGE mistake. What can we do in this situation? PennyMac 's escrow manager and customer service manager do realize they have made a mistake they are offering to spread the shortage over 5 years but this is their mistake we are not going to be penalized in any form. Is there we can do so they can pay for the shortage? Please advise.
Consumer complaint received 2017-02-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX
Consumer complaint received 2024-04-07
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. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 16816 - Permissible Purposes of consumer reports ( a ) in general subject to subsection ( 9 ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a Consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2023-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc. (IA)

I received my first bill from XXXX XXXX XXXX on XX/XX/2023 showing my insurance had paid their portion and it was applied to my account. The original amount due, before my insurance paid their portion, was {$2000.00}. The final amount due ( my portion ) was {$160.00}. I mailed them a check dated XX/XX/2023 for {$160.00}. It was cashed on XX/XX/2023. 

In XXXX, I received another bill from XXXX XXXX XXXX, now charging me for the full amount of {$2000.00}, and not listing the payment that my insurance had made or that I had made. I mailed them a letter with a copy of my cleared check on XX/XX/2023 and asked them to correct their billing error and to please send my a new bill showing my account was paid in full. 

On XX/XX/2023, I received a notice from American Accounts & Advisers saying that they were contacting me to collect the {$2000.00}. I have responded to this collection agency with copies of both the billings, a copy of my insurance claim showing what they paid and what I owed, and a copy of my cleared check.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (OH)

I have an account through XXXX XXXX, Acct # XXXX, as reported on XXXX. Please begin to report and add this credit card to my XXXX and XXXX accounts as well. I have called several times to have this account ADDED to my credit report, with no success. 

Please update ad ADD THIS ACCOUNT TO MY CREDIT FILE.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (UT)

I had filed a dispute in XX/XX/year> and my paycheck was still garnished although there was a dispute that was in progress through Midland Credit management. I had the item removed from my credit, and they still garnished me. I have made attempts to resolve this with Midland XXXX management with no success
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: VYSTAR CREDIT UNION (FL)

I did a balance transfer from a higher rate card to my Vystar credit card in the amount of {$4300.00}. I was charged a fee of {$120.00} for the transfer. There was no notification on the website that I would be charged this fee and the transfer was submitted successfully. I noticed a couple days later the fee was assessed and I immediately contacted Vystar. The representative advised me the transfer fee policy was implemented back around XXXX. He was unable to waive any part of the fee and escalated the call to a manager. I spoke with the manager, ( didnt get her name ) but she said she would have it sent to another area and contact me the next day, ( XXXX ). I never received a call back. There was no proper disclosure of a fee that would be imposed for the transaction or I would have never initiated the transfer. I searched the website and the only indication of a transfer fee was on the main page for credit cards and the features of the credit cards offered by Vystar. I did a transfer previously, ( many months ago ) and the fee was not assessed and I feel the fee should be properly disclosed to the customer in accordance with their new fee policy structure.
Consumer complaint received 2017-12-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a debit card with my Bank of America bank account. 

On the XX/XX/XXXX, I was charged {$35.00} for a merchant called XXXX. Clearly, this seemed to be the dating website XXXX which I do not use, let alone pay for. I called the bank to dispute this and they said they will do so, but more than a month since then the charge has remained on my account. 

I cancelled my old debit card and received a new one with a new number. However, on the XX/XX/XXXX, I was again charged by the same merchant {$35.00} for a " RECURRING '' charge. 

I tried to call BoA but was constantly put on endless holds. I wish this can be resolved and prevented in the future. As a XXXX with limited amounts of money ( that I earn from campus jobs ), {$70.00} is half a week 's work.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (DC)

Today XX/XX/30 I tried to make a payment to a friend with XXXX. 
I received a notification that XXXX and PNC were no longer working together? And I could not make a payment from my XXXX balance.
Consumer complaint received 2023-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We called Bank of America on XX/XX/2023 after receiving a letter about unauthorized escrow payments to insurance company ( s ) that we did not authorize. 
We cancelled a policy with XXXX XXXX on or between XX/XX/2023 and XX/XX/2023 ( My husband has the email ). verbally and via email.. 
I we also informed XXXX XXXX that we cancelled and secured other home and auto insurance. 

We spoke with Bank of America, which is our mortgage payment servicer, today XX/XX/2023 We did not authorize XXXX XXXX to renew our policy as BoA ( Bank of America ) informed me that this change of insurance, from XXXX of XXXX, which we changed on XX/XX/2023 for our home and auto policy, was placed in effect on XX/XX/2023 and was also made retroactive back until XX/XX/2023 after XXXX XXXX contacted Bank of America to make these changes. 

Bank of America also stated that this policy was activated XX/XX/2023 and they sent a payout to your offices on XX/XX/2023. 
We did NOT authorize Bank of America nor XXXX XXXX to make these changes nor did we renew our insurance policy with XXXX XXXX. 
Our policy with XXXX of XXXX  has been in force for our home and auto insurance since XX/XX/2023. 

Upon speaking with the Bank of America Representative, XXXX, she did acknowledge that the XXXX policy was in effect on XX/XX/2023. 
She said Bank of America made the change and removed our XXXX XXXX on XX/XX/2023 and they placed XXXX on the home insurance policy on that same day without our authorization. 
The Bank of America representative ( XXXX XXXX also said that our mortgage payment would be increased to cover the policy that XXXX had placed in force, without our consent or authorization. 

XXXX also said the call that we/my husband had with her today was recorded and the recording item number is XXXX. 

She also stated that their was no information that she or Bank of America could send to me or my husband the the recording number is all I could get. 

She admitted the changes to the policy were made and that she could find no authorization from me or my husband XXXX that we authorized these changes. 

The remedy for this is that XXXX XXXX and Bank of America need to reimburse me and my wife XXXX for this fraudulent transaction, breech of contract and credit and insurance fraud that occurred without our express verbal or written authorization to continue this policy which should have been cancelled XX/XX/2023 - XX/XX/2023, as we did not pay XXXX XXXX for coverage.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

The XXXX XXXX IRS Agent is delaying to update my personal legal name change for IRS XXXX account ( XXXX XXXX ) for my Sole Proprietor Business : XXXX XXXX XXXX XXXX XXXX which I had opened in XX/XX/XXXX and received acknowledgment on XX/XX/XXXX by IRS notice, see attached. 

As instructed by the IRS, Sole Proprietor business must issue a notarized letter of request and supply supporting documentation to update legal owner personal name. I sent my letter on XX/XX/XXXX. The notary I used for my signature is an employee of Chase Bank in XXXX NY. I included in my letter to the IRS a copy of my updated XXXX Notice, Social Security Card and XXXX Driver license. The JP Morgan IRS Agent received my letter on XX/XX/XXXX by signing my USPS return receipt form XXXX XXXX which shows the signature stamp JP Morgan Agent for Internal Revenue Service.

The delay in issuance of the updated XXXX is preventing me from opening a bank account and conducting any business under my legal owner name and will cause me a problem in filing my XXXX  1040. There is no excuse for the JP Morgan Agent to delay or refuse to issue me the updated XXXX. Did the JP Morgan Agent loose my notarized letter? 

The updated XXXX notice for my sole proprietor business XXXX number XXXX legal name should be printed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Make sure not to mis-spell my name, leave out any letters, add spaces in between letters, and create any wilful grammatical mistake or omission with my information to create a mis match of my personal SS information with my XXXX to impede me from conducting legitimate business.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-26
Product: Credit 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: Block, Inc. (MD)

Afterpay is a well know Buy now Pay later website.

Afterpay is a very dishonest company who takes advantage of their customers and advance of Afterpay being a digital company.

Afterpay had wrongfully charged me on XX/XX/XXXX for an item I never received. 

I wanted to buy an XXXX car seat organizer ( in attachments below ) on XX/XX/2023. To do so I wanted to use Afterpay buy now pay later option, upon making a small payment ( in attachments ) to Afterpay, Afterpay will then give you a Single Use card to use at checkout but upon using the card Afterpay had provided me Ending in XXXX ( in attachments below ) XXXX had declined the Afterpay card I was assigned and asked me to update my billing, to confirm the purchase for my item. I tried again using the same XXXX card ending in XXXX and again XXXX had declined it. 

I thought that was strange so instead of keep trying over again or using my personal card to make the purchase. I had decided to cancel the XXXX purchase in entirely. 

Upon cancellation of my purchase I had notified Afterpay of the problem and waited for a refund it was upon looking at my bank statements after 7 days. That I noticed no refund had been sent to me. I then went to check my Afterpay account and noticed to my surprise Afterpay were still charging me for the item. After reaching out to Afterpay about why Im still being charged even after notifying them.

Afterpay had said the merchant did not give a full refund back which is why I still owed money to them. Afterpay had suggested I talk to the merchant. After speaking to the merchant ( the merchant who was XXXX ) had said You haven't been charged for it, with the card ends with XXXX and I asked XXXX to send that to me in written ( in attachments ) so I may show Afterpay. After sending the documents to Afterpay that XXXX had sent to me in written. 
Afterpay comes back and says the same thing over the merchant did not give them a full refund after reading these same words again I asked Afterpay for a full billing breakdown that shows all money going in and out of my account so I may see. It has now been 2 months and after contacting them over a dozen times now I still have not received a refund or a billing breakdown of my account.

Afterpay is a very dishonest company so consumers be aware.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

ACCOUNT HAS BEEN CHARGED OFF AND ACCOUNT CLOSED BY XXXX XXXX. The account is still being negatively reported on my credit report as if it is still a open. Threatened to be sued over debt.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (OH)

I had flooring installed with XXXX, and I agreed to finance the flooring through Wells Fargo since they were advertising a " 24 Month No Interest '' promotion. Everything was good until 12 months after the flooring was installed, when I was suddenly charged interest on the full purchase amount of the flooring, over {$1000.00}. Needless to say I was surprised to see this charge. 

I contacted Wells Fargo about this immediately, and they said that it was actually a 12 month promotion and that I was mistaken, BUT they would waive roughly {$400.00} of the interest ( 15 % of it ) on the condition that I paid the entire balance on the phone immediately. They would not let me think about the offer and call back- it had to be right then and there, or no deal. I reluctantly agreed to do this, and submitted a payment for the entire balance of the account just to handle it and move on. 

After a handful of weeks I realized Wells Fargo had not taken funds for the balance of the account that I paid off, so I contacted them immediately. I confirmed with them that the payment information was accurate, and I had ample funds to pay for it, but they did not process the payment. The representative informed me that it was my fault that the charge didn't go through ( it wasn't ), and because I hadn't noticed within 72 hours, they were not going to honor the original agreement and I was going to be charged the full amount of interest. 

All of this feels like extortion - I don't think I should have to pay the interest at all since it should be a 24 month interest-free contract, not 12, and I've never missed or been late for an appointment at all. Even then, I still acted in good faith and tried to pay the account off in full, but the representative made a mistake, blamed it on me, and refused to honor the agreement we had the first time I called. This is all super frustrating and I've never been treated worse by a company.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.