davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC (CA)

Commencing on or about XXXX XX/XX/XXXX XXXX, I fell victim to a multi-layered scam operation run by unknown individual ( the Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX account to Customers Bank at the instructions of the scammers.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX I sent letters, certified mail, demanding that Capital One Auto Finance cease repossession of my vehicle and provide me a validation of the debt by providing the original contract with my signature and proof of funds in my name sent to me certified mail. COAF has failed to provide me any of the information. I demanded also on audio record, from the office of the president, the same information and I was told that I wouldnt be provided the demanded information in this CREDIT sale. This is a violation of the freedom of information act and my rights as a consumer. Capital one has shared my personal information with third party company and had my vehicle repossessed without providing me the information.I did not have any contract with said third party company whom COAF has shared my source data information with. This is a breach of trust and my right to privacy of my sensitive personal information.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX, M & T reported to the Credit Bureau that I was 30 days, When discovered I quickly notified M & T of the error however they insisted that it was accurate. I asked M & T to provide me with proof of when I was ever 30 days late, and I even sent a validation letter through certified mail on XX/XX/XXXX requesting for them to validate the late payment inquiry. M & T received the letter however 30 days passed, and M & T never responded. I disputed it with XXXX, and all I received was emails informing me that the creditor confirmed that the late payment was accurate, however, still, no proof was sent to me.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On the XX/XX/XXXX, we noticed a large drop in our balance on our business checking account with Wells Fargo. After going through numerous transactions online, we noticed two business to business ach mobile payments to XXXX XXXX listing an unknown person. 
On XX/XX/XXXX. The first was for {$5500.00} and the other was for {$3600.00}. These fraudulent charges totaling {$9100.00}. We called and submitted a claim. We called back in at a latter date to check status and was told that the funds would be deposited back into our account on XX/XX/XXXX. I called another day to check status the representation said that she would put in a request to expedite the funds being returned. 
Then, I called back yesterday XX/XX/XXXX, XXXX and was told be another representative that our company 's funds will not be returned to us. I asked for a supervisor... she said she would submit a request to the escalation team. I spoke to him and he said he would escalate to a higher escalation team and they would be contacting us with in 48 hours. We are a small business and we need our money to pay employees, customers, pay bills etc. I stayed on the phone until late last evening trying to get the funds restore but was unsuccessful. We I got home and retrieved the mail there was a letter from Wells Fargo stating that they have completed their research of the inquiry about a {$9100.00} charge to our business account on XX/XX/XXXX. They stated that they were unable to reimburse us because too much time passed before we notified them on XX/XX/XXXX about the charge. They recommended that we contact the merchant XXXX XXXX to resolve the issue. Wells Fargo allowed a company to take {$9100.00} of our hard earned money and refuses to give it back. They acknowledged that we did not authorize it but they are not willing to reimburse us. This is not a small amount and has a large impact on our business. I reached out to XXXX XXXX and spoke to a representative named XXXX and he stated to have the bank send them to sent them and Unauthorized Affidavit of Unauthorized Activity, Copy of all statements and/or checks/ach showing the unauthorized checks/ach, Send a letter on bank letterhead explaining the error/fraud and mail to XXXX  XXXX, Fraud Support XXXX XXXX XXXX, XXXX Virginia XXXX and two weeks from date affidavit received, we will receive our funds back. I called Wells Fargo Small Business Fraud Dept back and gave them this information. They said they notated the account but we would have to now wait for the investigators to contact us within the next 48 hours. This is theft! We work hard for our money and the right thing to do is give it back. This is very stressful!
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Click n' Close, Inc. (NE)

XX/XX/XXXX -payment was sent by state to mortgage company. Called/messaged my mortgage several times starting around XX/XX/XXXX to see why the payment hasnt been applied. All the could say is they dont see anything. XX/XX/XXXX I get hit with late fee. I start reaching out to the state in regards and confirmed the check was cashed on XX/XX/XXXX. Now the mortgage company wants to have loss mitigation step in XX/XX/XXXX and was told it can take 3 business days, then follow up. Followed up Monday XX/XX/XXXX in the afternoon to be told they still are working on it but while talking with the rep it sounded like they didnt even start on the case.
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc (OK)

On XX/XX/2024 XXXX funded my direct deposit to my Chime account of {$780.00}, It was not posted to my account. I checked my XXXX portal to see if it was indeed sent and it was. I also called my employer and had them check with XXXX to insure that it had been funded. I called Chime Customer service for the first time the afternoon of XX/XX/XXXX and was told that they did not have my deposit and it was " in process '' with one of their partner banks and since it was done on Friday it should post Saturday XX/XX/XXXX. I checked the account on the morning of the XXXX and it still had not posted. I called customer service again and was told that they had no record of my deposit and that processing did not take place over the weekend and I should see my deposit on Monday XX/XX/XXXX. Again, I checked my account and it was not there. I called customer service again and got the same scripted nonsense that they did not have record of my deposit and had no way to find my money. I check the account again this morning XX/XX/2024 and it still was not in the account. Once again I called customer service and got the same response " They do not have record of my deposit and have no way to track the transaction. '' I asked to speak to a supervisor and was told that they could not transfer me to anyone and if I wanted to speak to someone else I would have to call back. I have been patient until today, but today I was not nice and in fact quite rude, because they have put me in a very big financial bind now and I wanted some answers that they are not prepared to provide. Chime 's customer service is a joke and the organization appears to be a giant scam. The online reviews seem to bear that out. I only wish that I had read them prior to becoming mixed up with them.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (NC)

I called Wells Fargo to ask why I wasn't able to pay back my cash advance ( taken out on XX/XX/XXXXXXXX  ) in full after being charged interest ( first time on XX/XX/XXXX and was XXXX cents, second time was on XX/XX/XXXX and was {$1.00} ) on it. I was told that I had to pay my minimum credit card balance each month and the extra would go to the cash advance payment. I only borrowed {$45.00}, so I was confused on why none of it was paid since I paid {$150.00} in payments in the month of XXXX, and only {$0.00} was applied to what I owe. on XX/XX/XXXX I called Wells Fargo and asked about why I didn't have the option to pay my balance on my cash advance in full. I was told that the extra payments I made would go to the balance with the highest ARP percentage, however, both the credit card and cash advance have an ARP of XXXX. So Wells Fargo would apply my extra payments to my credit card balance, and pay basically XXXX to my cash advance, all the while charging me interest on something they won't give me the chance to pay back in full.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a new home for my family. Please remove the fraudulent accounts from my credit report immediately
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (KS)

Perviously rented from a company XXXX XXXX. The company submitted an eviction XX/XX/XXXX but was canceled the same day. Unfortunately the company did not communicate with the attorney so a repossession was submitted with the court XX/XX/XXXX and a default judgement was submitted on XX/XX/XXXX. The company has submitted documents to set a side the judgement on XX/XX/XXXX. Which eventually lead to the case being dismissed. Everything was approved by the court XX/XX/XXXX. The company is still housing information that is negatively impacting even with the judge approving the judgement to be set aside.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by XXXX XXXX XXXX. In XXXX of XXXX, I became aware that XXXX had reported a Credit card charge-off on my credit report. I disputed this account and requested through the three credit burease and to XXXX directly if that could produce a signed contract that is needed to verify an account according to the FCRA. They did not have the required documentation to verify this account. I went through five rounds of reinvestigations over the course of two and a half years and not once were they able to produce any documentation that would verify this account in accordance with the FCRA. It has now been over seven years since this account was listed delinquent and it is time-barred from being reported on my credit report. After notifying XXXX of the law and their inability to continue to report this debt, I was met with an act of retaliation. XXXX recently flagged that account as a charge-off, again, even though it was charged-off over seven years ago. How can an account be charged-off more than once? This is clearly inaccurate and is a deliberate act to harm me for the protected activity of requesting verification of a debt. This retaliatory act has caused my credit score to drop significantly and has defamed my character. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. My only goal was to get XXXX to follow the law, now I am paying the price. I am requesting that XXXX XXXX XXXX comply with the requirements of the Fair Credit reporting act and the Fair Debt Collections Practices Act and delete this time-barred account from my credit report. If XXXX refuses to follow the law, I will file suit for Defamation of Character, Retaliation, and Fraud under the FCRA.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

In XXXXXXXX XXXX XXXX  I opened a Sephora Credit Card to earn rewards. I used the card and had a balance of XXXX. I never received my card in the mail and so I had to call the company to get help logging into the site so I could pay the bill on time. It was already 1 day late so I was told to make the payment right then and that they would be able to waive the late fee. So I entered my banking information and paid the bill right then and there on XX/XX/XXXX I realized days later on XX/XX/XXXX I received a " RETURNED CHECK CHG '' on my account because I apparently made a small typo when I entered my account number. So I went online, added my CORRECT information and paid the new balance of {$280.00} in full, minus the {$30.00} fee which I called to get waived. They said they are " allowed '' to charge me that fee. I asked for a supervisor who said the same thing and basically laughed at me. I tried to call a second time in XXXX for the same reason except now, the card had automatically run a payment from my old information, so I was charge a second fee, this time for {$40.00}. I called and asked to have that one removed to which I was told no again. I messaged on their internal messaging system about this issue and have gotten responses back from a XXXX, with no information what so ever. So I now owe ( XX/XX/XXXX ) the card {$76.00} for {$70.00} in RETURN CHECK CHG, which was a TYPO, not insufficient funds, and {$6.00} in finance. It's a disgrace that they can fleece people of their money with such fees for a simple mistake that was quickly fixed and the bill was paid in full. The White House is currently trying to stop these fees and with that momentum I hope this can be resolved.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AL)

I received message from XXXX XXXX and XXXX  that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Applied for Loan wiht XXXXXXXX XXXX  went to purchase vehicle bc loan funds werent received by dealer from XXXX XXXX. Dealer funds were retracted and sent back to XXXX XXXX XXXX XXXX straight from XXXX XXXX.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX DE
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CO)

I asked the debt collector Midland Credit ManagementXXXX XXXX to stop contacting me by phone, in 2022, due to their pressures and ask them to only contact me by mail. 
I just found out that in retaliation of me asking that they not call me by phone, that they willfully and without my knowledge changed my mailing address to an old address that I had in a state where I lived 25 years ago. 
They willfully sent my information to someone other than my self which is a violation of my privacy and they willfully kept me from getting updated information regarding their collection actions. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC (TX)

I pay into escrow for tax purposes on my home which is unit 2. There is an additional unit 1 which for XXXX XXXX tax purposes was tied together. We were each to pay a percentage of the tax bill on the property. I called into planet home lending maybe 2 weeks before it was due and they assured me that I was covered and needed to take no action. They also mentioned the units would be formally split around XXXX so it would be more clear then. 

Yesterday XX/XX/29 I got a message from my neighbors informing me of a large fee that would take place if my part of the taxes were not paid. I called back in to my lender just to confirm that I was good and they changed their story and said the escrow can't be applied to that address. 

If we take into account the tax bill of XXXX, my mortgage payment XXXX, and the fee XXXX i'm now on the hook for almost {$17000.00} due to my escrow funds not being correctly applied. I've reached out to planet home lending for assistance in mortgage repayments and they have been unhelpful. They referred me to a HUD partner which had no options for mortgage or tax assistance as well as 211 which was unable to find any assistance programs as well. 

Based on XXXX reviews of planet home lending it appears i'm not alone in these types of situations. They appear to often misappropriate funds via escrow and I'd like to see them punished for doing so as well as some sort of assistance financially to help make me whole again. 

XXXX was the employee ID I was given when asked for their name.
Consumer complaint received 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PA)

On XX/XX/2023 I signed up for mobile services with XXXX for internet and wireless services. XX/XX/XXXX the equipment was delivered. XX/XX/2023 I cancelled the services. I contacted the vendor and I was provided labels to return the merchandise. XX/XX/XXXX the equipment was returned through the postal services. The equipment was returned with labels provided by the company. XXXX proceed to withdrawal electrical funds without consent for XXXX  month. My bank tried to contact the vendor without resolution. My bank refunded me the cost. XXXX removed funds 3 times. XXXX sent me to collections. I sent a letter to Diversified Adjustment on XX/XX/2023 requesting proof that I owed the bill. As of today, I have not had any response. I'm trying to obtain a mortgage and I can't with this bill on my credit. I am demanding this be removed from my credit, since it is not valid. 
If needed I have proof of documentation. Also, I never opened the box or turned on the internet or mobile service. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Charges were accepted even after they were disputed ( XX/XX/XXXX ). I was not notified by mail ( statement ), phone or email. Found out XXXX  months later, after credit score dropped. Company has finally agreed to take charges off, but will not fix credit reporting issue. 
XX/XX/XXXXXXXX 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} Due to Bookkeeping Error with Company continued to charge late fee and interest, thru XX/XX/XXXX. 
Started dispute process in XXXX ( as soon as realized ) and not resolved, fees mounting and credit reported.