davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
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. (MO)

I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. XXXX XXXX kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my Gap Insurance company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called XXXX XXXX repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that XXXX XXXX did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX XXXX, XXXX the check was sent for XXXX from XXXX  XXXX Gap insurance to settle the account in full.XXXX XXXX wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being harrassed by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.
Consumer complaint received 2023-02-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My first savings credit card is being improperly reported as me being over the credit limit which is a violation of the fair credit reporting act. See XX/XX/23 statement attached
Consumer complaint received 2020-08-16
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. (MI)

XXXX XXXX  closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX XXXX  closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did
Consumer complaint received 2021-05-17
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 (FL)

I was scammed on XX/XX/XXXX I reported to the Federal trade commission and followed the steps about calling my banks, I called capital one and they told me they were going to open a case and ask me for more information if needed I told them I did the charges myself but was being scammed, I received an email on XX/XX/XXXX saying they closed the case and it was not considered a fraud so I called them and the agent told me not to worry about the charges because the case was closed and it was considered a fraud, when I received my card on XX/XX/XXXX the charges where there even thought they had already removed the charges back on XX/XX/XXXX and told me not to worry, so I called them again on the XXXX and said that they couldn't do anything.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

I received a debit card from TD Bank today that I did not apply for. I called them and alerted them to that fact and they said they would refer my case to their fraud team to investigate. The person I spoke to said I should contact several website including the FTC who referred me to this website.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

XX/XX/2021 I wired a mortgage payoff ( {$160000.00} ) to Freedom Mort. Corp 's bank in XXXX, OH. ( XXXX ). My bank ( XXXX ) verified the wire transfer on this day. Monday, XX/XX/2021, the {$160000.00} previously wired, was returned to my bank acct. 
I have pay-off documentation that provided the bank acct. at XXXX to wire funds to. 

Customer service staff at Freedom Mort. can not tell me why the money was returned and it's already XX/XX/2021. It is costing me interest of this mortgage note every day they delay and do not respond. Can someone or some organization help me?
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (NC)

I received a letter saying I had approx. {$900.00} overage in our escrow account. When I called AmeriHome, they said we were in the red with our escrow. At the end of the year each year, we are approx. {$1000.00} overage in our escrow but do n't get a refund. They asked if I wanted a refund or use that money to apply to next year 's escrow. I asked for a refund but now I 'm being told we are short the same exact we were supposedly over.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Qualified for a CARES act defferal, 6 month option, and resumed making payments in XX/XX/2020. ( Tenants did not pay rent for 6 months ). Now owe more money on my home than when I started given I could not afford to remake payments. Wells Fargo capitalized principal AND interest at the end of the mortgage, which was not fully disclosed. Also, now Wells Fargo will not refinance since I still am in forbearance and other lenders also have told me they will not refinance the loan because they can tell we used the forbearance on credit score ( mortgage balance went up ). I have made payments on time since XXXX, and was always current previously. Finally, since I have a larger loan balance, I am worried the bank is now charging me more interest than before given the capitalized interest from the deferral period ( also not clearly disclosed in CARES act documentation ). If I had know the information and that I would owe more than before, I may have made a different choice despite the financial strain for those 6 months.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (OH)

I ASKED FOR DISCLOSURE OF POTENTIAL CLOSING COSTS, IN ORDER TO SHOP FOR RATES AND FEES WHEN REFINANCING MY MORTGAGE. THE REPRESENTATIVE, XXXX XXXX, I'VE BEEN WORKING WITH ONLINE AND ONE TIME OVER THE PHONE, WOULDN'T GIVE ME THE CLOSING COSTS. INSTEAD, SHE OFFERED THAT " MOST '' OF THE CLOSING COSTS INVOLVE TITLE STUFF. THIS IS UNFAIR, AS MY CREDIT UNION SUPPLIED THE POTENTIAL COSTS DIRECTLY AND UPFRONT. SHE TRIED REALLY, REALLY HARD TO 'SELL ' ME ON AN EQUITY LINE, AFTER DISCUSSING MY NEEDS AND DESIRES. I DIDN'T WANT THAT AND TOLD HER UP FRONT I WANTED A REFINANCE. ALSO, PNC REFUSED TO ANSWER THEIR PHONE ON MULTIPLE OCCASIONS AT THE BRANCH. I HAVE TO DRIVE THERE AND GET IN TO ASK QUESTIONS.
Consumer complaint received 2023-05-03
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. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX CARD XXXX Balance Owed : {$810.00} ; XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00}.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I mailed a payment on my Santander Bank mastercard. The statement balance was {$510.00} ; I mailed 2 checks ( XXXX & XXXX ) totalling {$510.00} on XX/XX/XXXX. The payment due date ( shown on 1st page of attachment ) was XX/XX/XXXX. 
On XX/XX/XXXX I received my new statement, reflecting a late fee of {$25.00} and an interest fee of {$9.00}. 
I went online to the Santander site to investigate. The current statement showed an ending date of XXXX and included the late & interest fees, charged on XXXX. ( 3 attached, highlighted pages marked as Exhibit 1 ). 
HOWEVER, when I changed view to the " since last statement '' tab, Santander clearly showed that my check payments had been received in their office on XX/XX/XXXX. ( pg. 2 of Exhibit 2, payment date highlighted ). 
I phoned customer service. I was told that while the payments had been received XXXX, it takes " a couple days to process '' payments, thus generating the XXXX late fees & interest. 
Customer service agreed to remove the late fee of {$25.00} ; I didn't realize at that time there was an additional {$9.00} interest fee charged. 
This is appalling. If the " real '' due date is " a few days '' prior to the date shown on my statement, that should be clearly communicated to cardholders. I understand the postal service has delays, which is why I posted the checks 7 days in advance. Santander Bank is not disputing they received the checks prior to the due date, but they assessed fees ANYWAY.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have 6 opening account with XXXX XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I am a XXXX year old person on Social security and my checking account had low funds and when withdrawals were coming in and the bank paid they charged me {$36.00} per item. My complaint is two fold ... .a wrongful withdrawal of {$150.00} was withdrawn I called the creditor and corrected the situation because I had paid them some time ago and loan had been closed. The bank charged me {$36.00} again. The creditor refunded the money but not the bank as of this time. 
2 ... I currently owe {$310.00}. In bank fees. 
I am returning items to get credits to increase my account but if n no way will that pay off {$310.00}. 
{$36.00} fee is exorbitant!!!!!. There's no way the bank should be! making a profit off of myback. 
They will not waive any fees. 
This fee amount is so unfair to any customer and in this time of covid they have only hurt my life.
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$740.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NV)

I purchased a used car for with a purchase price of less than XXXX. They used Credit Acceptance Corporation to finance my loan. The interest with them was around XXXX which was extremely high. I had major issues with the car. After the struts were done by the dealership, the car literally had to be welded back together due to the fact that it was too dangerous to drive. On top of this, they installed a Starter Interrupter Device on my car which I was not aware of. I was not informed of this, instead, I was told that there would be a system if the car were to get stolen. I found out that there was a tracking device that was put onto my car without my knowledge that was " wired '' from the pedal to the steering wheel. The problem is that the device was malfunctioning and becoming very dangerous for me to drive. I called CAC back in 2019 to inform them of the dangers of this and they would not give permission to the dealership to replace the device or remove it. The device became more and more dangerous and started causing electrical issues with my car to the poinXXXX I was getting XXXX XXXX from the pedals in the car from the wiring. There was literally a live wire coming from the device. I wound up in the XXXX  and XXXX XXXX and have racked up over XXXX in medical bills and I have a car I can not drive due to the fact that it is too dangerous. The mechanics told me that the device screwed up the electrical system in the car and the one mechanic said that it had a live wire coming from it and that is why I was getting XXXX and XXXX from the car. These devices can be dangerous and Credit Acceptance knew about the issues and would not do anything to fix this until the car was paid off in full.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC ()

On XX/XX/2021 I was using Gemini to transact some Crypto currency and transferred money to my account. Unfortunately on two transactions I forgot to include a reference number so I emailed Gemini. They responded with a request for verification of my identity which I submitted immediately and their response was the money had not been received.. However this is not my actual complaint - they then suspended my account and it remains suspended until today meaning I can neither see if my bank transactions were credited to my account nor can I remove my other funds or trade. There has been no reason given and despite repeated emails to their support team more than a month has passed and I can not access my account. I have followed the verification correctly on XX/XX/XXXX and have repeatedly emailed them to no avail. I believe they are a fraudulent company illegally holding my funds.
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Recovery Services, LLC (OH)

I an reciecing calls from " XXXX XXXX '' on my cell phone. They are leaving messages for my deceased nephew. He lived in XXXX and I am in XXXX. When I call and advise that he committed suicide two years ago, then demand to know who they are and their company address, they say their information in protected by privacy laws then hang up on me. 

Because of this, I can not get further information.
Consumer complaint received 2021-05-17
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 (AZ)

On XX/XX/2021 I prepaid a rental car reservation with XXXX XXXX rental for {$600.00}. This rental was to be picked up at XXXX, and it was for 7 days. I had responded to the the freeze crisis in Texas with XXXX Disaster Response Team. There was XXXX agents at the XXXX counter due to COVID and I was directed to the XXXX area to select my rental. After having the truck 5 days I submitted via a call to the XXXX Customer service number an extension as there was no end in sight for the the amount of work ahead of us. I was told by the agent that my rental could be extended, and I would be receiving an email and just needed to reply to it. I have rented over 35+ cars from XXXXt in the past 24 months even in the pandemic for business so I took her for her word. Never receiving an email, and not following up was my first mistake. I was then contacted on my personal cell phone by a repo man that was contracted by XXXX to HUNT ME DOWN! I explained sir, Im not going anywhere, I will get ahold of XXXX now and resolve. A call was made immediately to XXXX a supervisor was requested and I was denied and hung up on 3 separate times. At this time I sent an email requesting a manager, at which time I received a reply back 6 days later stating due to the issue with my account NO MANAGER OR SUPERVISOR WILL BE ASSISTING ME. The rental was taken back and subsequently many days later ( a week plus ) XX/XX/2021 XXXX charged my personal debit card {$4400.00}! I was on the floor, I tried again to speak with budget, was denied and was forced to file a dispute with BofA, who as of XX/XX/2021 has done zero to assist me and closed the dispute 4 separate times stating XXXX  can charge what ever they want for late rentals, and I CAN DO NOTHING about it. My card was never given to XXXX, I never authorized the transaction, I never agreed to $ XXXX/a day charge for my rental, I was never informed I was going to be charged this amount and the subsequent false fees that have been added and now blacklisted from XXXX XXXX after having spent over {$20000.00} with them the past 24 months. This has put my own work on the line, my credit, my livelihood etc. I am seeking council for the steep fees/lies/overcharging and out right disrespect from XXXX! Please help recoup my XXXX {$4400.00}. This is consumer fraud in the highest.
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

My mortgage company failed to pay my real estate taxes out of my escrow account even after XXXX delinquent notices were received by them. When they were questioned about this, they proceeded to scream at me and refused to pay it, including the late fees and interest.
Consumer complaint received 2023-06-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (PA)

XXXX put a hold on my orders in XX/XX/2021 for an outstanding balance of aprx. {$80.00}. On XX/XX/XXXX I contacted the XXXX party collector and resolved the balance. When I place orders with XXXX, they are canceled. XXXX states, that the XXXX party collector has not provided them with the information to prove my account is resolved. I called the XXXX party collection company and they informed me that they are not obligated to report to XXXX. This is the exact opposite of what XXXX 's cancelation latter states. I asked the XXXX collection agency how ill XXXX known my account is clear and they informed me that the company that processes the payment will inform XXXX. After explaining this to a customer service representative from XXXX, I called the XXXX party collection agency with the XXXX rep on the line so they could listen as I was able to confirm that my account with them was clear. 
I have a gift card on file with XXXX and I am unable to recover my funds. This is unfair since I am unable to use my account for orders. I have made several calls to all agencies involved to reactivate my account. 
I need help resolving this matter because each agency keeps pushing me off to another agency and no of them are trying to help resolve the issue.