davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WV)

I have an issue with  Wells Fargo Financial National  Bank,  XXXX . I live out in the country and sometimes have difficulty getting my mail. I went online and signed up to make my payment on line through  Wells Fargo. W hen you go to the make payment section it request your bank account and amount you would like to pay. I select the monthly amount I owe and send the payment. Today I received a paper statement and this time I opened it, ( I usually do n't because I make my payment online. ) The statement said I owed a {$37.00} late fee. I was charged a late fee because I was making my payment early ( in advance ). I did n't know that was not excepted by  Wells Fargo and have never heard of a late payment fee for an making an early payment. I contacted Wells Fargo  and spoke to  XXXX   ( e mployee #  XXXX   ).  She said that the fees could not be credited back to my account for making early payment and I was charge {$110.00} in  XXXX  and {$74.00} in  XXXX , #  XXXX  each time.  XXXX  said I should have read the fine print and  Wells Fargo w as not at fault and she could n't credit my account for the charges of ( Making an early payment ), I ask to speak with her supervisor and she said she was as high up as I could go and refused to provide me with a name or phone number of someone who could assist me with this problem. I ca n't believe in  XXXX  when most people are late or do n't even make payments at all,  Wells Fargo  was charging me {$37.00} a month for making my payment EARLY! I  Hope someone can assist me with this or please let other consumers that Wells Fargo is taking advantage of costumers that make early payments. This is another way Big Banks take advantage of costumers that go out of there way to make sure there payment is not late. Thank you ... confused and disappointed consumer that closed their Wells Fargo  account and will refuse to do business with them in the future.
Consumer complaint received 2017-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

Hello, I have emailing the bank and filed a complaint with the cfpb before. Everyone assured me the sale date was post poned and today we are showing it went foreclosure in court! If this is the case we need it reverse. I was assured multiple times that she no longer had a sale date.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX, after grocery shopping at a XXXX grocery store in XXXX, XXXX, I noticed my debit card was missing. I received several " fraud alert '' emails from Wells Fargo. I immediately called the bank and canceled the card and let them know I did not authorize the charges. I went online and filed a police report with the XXXX Police Department ( case # XXXX XXXX XXXXIdentity Theft ). 

The following charges were made in quick succession at the XXXX XXXX on XXXX XXXX XXXX and the Wells Fargo ATM on XXXX XXXX : XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$100.00} XX/XX/XXXX - XXXX XXXX - {$100.00} XX/XX/XXXX - Wells Fargo ATM - {$1000.00} The thieves also attempted to withdraw money from the Wells Fargo ATM on XXXX XXXX ; however, by that point the card had hit its withdrawal limit. 

Wells Fargo fraud department closed my claim and stated that there was no evidence of fraud despite a police detective stating this was a pick-pocket team making the rounds off Interstate XXXX, despite video evidence that the XXXX Wells Fargo branch won't release to the police, and despite XXXX  loss prevention footage showing I was pick-pocketed. 

I requested Wells Fargo re-open my claim and they stated once again that there was no evidence of fraud. They also stated they do not contact the police or the stores where these withdrawals took place.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

I signed up for the XXXX XXXX XXXX, administered by XXXX, directly from the XXXX XXXX XXXX website when they were offering a promotion. My application was approved on or within a week before XXXX XXXX. The promotion was that I would receive {$100.00} for opening the account and an additional {$50.00} for spending {$500.00} within a specified timeframe of 60 days. I met both requirements but did not receive the bonus. It has been more than 60 days past meeting the bonus requirements, and over 100 days since the account was opened. The original timeframe did not have a schedule on it of when it would be released, but from previous offers with other credit card issues, that seems to be the standard.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Investment Retrievers, Inc. (CA)

Debt Collector, Investment Retriever 's has manipulated accounts that have been reported as Identity Theft accounts from my credit report and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX . By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status. The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due. The purpose of this decietful act is done deliberately to damage my credit reports. As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX of XXXX I was about under 90 days past due. I've explained the reason for my delay in payments is because of my short-term XXXX being denied. When I made the payment of {$380.00}, I was told this dropped the chances of my vehicle being repossessed, Monday XX/XX/XXXX of XXXX I go outside to head out to work and my car is nowhere to be found. I am XXXX past due apparently and I had plans to make another payment XX/XX/XXXX because on XX/XX/XXXX I had to pay my rent to avoid any evictions. This is the third time my car has been repossessed. I believe this is the second time I've been repossessed being under 90 days past due. This is not the first time they say one thing and do another, and I find myself paying extra money just to get my car back and have it done to me all over again! Wells Fargo by fare has been the worst experience I have ever had. This is not my first loan for a car and I had paid off my previous loan to this car.
Consumer complaint received 2021-03-23
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. (NV)

There are 6 Loans on my equifax that do not belong to me these need to be removed I have reached out to the bureau and the funrisher and they have not responded back. I need to know why this is still on my credit report and how this can be removed. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-05-31
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (CO)

Student loans reported to XXXX that I was behind more than 90 days on loans. they did this while I was supposed to be in forbearance. I talked to them and they upgrade my information on credit report. In the meantime, Upgrade puts a block on my credit line account/credit card. The email they sent to me does not say that the account is permanently closed. It says " Your account is currently ineligible for new draws. '' This is misleading. I called them to see when they would restore my line of credit, they tell me it is permanently closed. They give me a phone number to discuss my problem with XXXX. My account still states that I have available credit of {$2700.00}. It is not closed. I owe {$1200.00}. They even say in a banner on the account page, " Great News! 
You may qualify for a personal loan. Check your rates. '' All they had to tell me is that I was permanently abandoned from their company and Just pay off the balance, please. I would never have called to inquire about when the account would be available again or eligible for use again. And while I am talking to them they give me a phone number to XXXX even though I told them I had already disputed the information on the credit file and they changed it and the credit score when up.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (MS)

I looked on my credit report a notice that this debt was on my credit report. I never received any written communication from Zions Debt Holdings LL. Zions Debt Holdings LL has put this debt on my credit file illegally. I can prove that I have never received any communication from Zions Debt Holdings LL. I have USPS INFORMED DELIVERY and I'm able to see everything that is mailed out to me. Zions Debt Holdings LL has placed this debt as a collection on my XXXX credit bureau credit file.
Consumer complaint received 2023-07-19
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: JPMORGAN CHASE & CO. (PA)

Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. 

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I have been having a problem with Enhanced Recovery coming after me for  XXXX  separate bills when they were not bonded in Texas at the time. I 've had the  XXXX  and  XXXX  accounts removed from my report several times over the years. Due to indentify theft as well as the debt I do not owe. However,  Enhanced Recovery Corp  seems to continually place theses accounts back on my report. Since  XXXX  I 've contacted between  XXXX  and ERC several times for validation of these debts with a contract signing, copies of license or ss to no avail. I first got them removed both accounts in  XXXX . Only to be placed back on in  XXXX . I had the accounts removed again due to lack of verification and validation of the debt they 're claiming I owed. The  XXXX  account was placed back on and removed again in  XXXX .  XXXX  came back as well and removed in  XXXX . I have had  XXXX  removed once again and now ERC is still trying to collect on  XXXX .  XXXX  has been removed from   XXXX    and    XXXX  . However, it and  XXXX  are still on My   XXXX   and  XXXX  report. I 've been having these problems with this company which had no bonding in the state of texas at the time these account were placed on my reports. I 've been fighting this debt. Not to mention the items have continously been removed. I 'm asking for valid proof of verification something in writing with my signature binding me to the debt. I 'm also submitting proof of these items being removed several times. Thanks so much for your time.
Consumer complaint received 2023-07-19
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: SUNCOAST CREDIT UNION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist bank. I am not going to stand for this line no further action required. On XX/XX/2023 I had a United States postal service purchase for {$39.00} for registered mail. I never received any green ticket in return. I paid for green tickets to be signed and returned. If i wanted no green ticket I would have used regular mail. The bank needs to step up and protect the customer. I was told the return address has zip XXXX and my zip code is XXXX. I think I can figure out my zip code where I live. I am not going to the other side of town to that post office to fix the post office problem. The solution is the bank will credit my account {$39.00} for none service. If not the ceo will have a lien on surety bond. I am not playing around. You have a bunch of XXXX in your call center. They emailed to me the charges were authorized. I never said anything about it not being authorized. This shows me the intelligence level of your call center. I think I speak English ok.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (TN)

I owe a debt to my old university of a few XXXX dollars, basically for the past 2 years Ive been called non stop it used to be once a month then once a week then daily now its 2-3 times a day, Ive paid some of it before but I dont even see the debt on my credit report and its supposedly in collections Ive told them I just cant afford to pay on it at the moment but its just constant with these people calling me.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My home was adjusted as a total loss to XXXX XXXX by XXXX XXXX through the XXXX. The claims checks are sent made out to ourselves and our loan servicer Flagstar Bank. Flagstar bank because my loan servicer after I closed on a refinance agreement with XXXX XXXX in XXXX. Flagstar bank requires that the insurance checks be sent to them where they hold them in escrow and then release on a schedule they see fit based on their own inspections determining that appropriate repairs have been completed on the home. We were required to sign a repair affidavit certifying we would use the funds to repair the home and submit all insurance XXXX paperwork to them to manage our claim. The insurance company has paid out {$220000.00} so far since XX/XX/XXXX and our home was completely gutted and ready for rebuild by XX/XX/XXXX. Flagstar bank however has only released {$40000.00} of these funds so far with another {$30000.00} expected to come by the end of XXXX. We are at a point where if we do not have access to all or most of the funds we will not be able to hire the contractors necessary to finish rebuilding our home. I can not find anything in my loan closing documents that shows I agreed to insurance claims being managed in this way with an escrow account, a long waiting period for release, and inspections done by inspectors hired by the loan servicer. XXXX claims it has federal authority to manage the claim this way, however I can not find any information in my documents that point out that governing statute or federal guideline. I also can not find anything in my loan documents that show I agreed to insurance claim management to be handled in this way. I understand a lender needs to protect its investment but I am concerned this servicer may be making money by holding money in escrow for an unnecccessary amount of time rather than releasing funds to homeowners to get repairs done quickly and efficiently. XXXX has not been able to show me in my documents or with specifics what gives them the ability to manage my claim this way. Thanks for looking into this for me.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

-I am opening this complaint under the category of discrimination- I am a XXXX business owner with a credit score of nearly XXXX. I opened a Venmo credit card with Synchrony Bank in XXXX and have never missed a payment, never defaulted on the card, and paid the card off entirely nearly every month. I own a XXXX  store in XXXX  and have an excellent reputation in the XXXX  industry. I used my Venmo credit card to make purchases from a vendor on a weekly basis. These purchases would range from {$300.00} - {$3000.00} and were always paid off quickly with no issues. 

I received a letter on XX/XX/XXXX which informed me that my account had been closed to do.. and I quote, " Risk of not paying '' Again, I have never missed a payment on this card and regularly pay in full. 

I did attempt to reach out to customer service and spoke with a supervisor. I was informed that no further information could be provided and there was nothing that could be done. I was also then informed that the {$150.00} in cash-back credit rewards would not be paid out due to the closing of my card. 

I am completely convinced this card was closed because I always paid it on time and they never accumulated interest. I have all records to show my XXXX  payment and am happy to provide them. This is discrimination against a hard-working, honest, tax-paying business owner. 

I am very frustrated, concerned about the impact this has on my credit score, and researching legal action. This is the land of the free, I will go above and beyond to expose such activity and have all the documentation to prove my case.
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERLAND TITLE & ESCROW SERVICES CORP (VA)

On  XXXX ,   XXXX   I closed on   XXXX  se parate homes in  XXXX   XXXX , fl. The closing agency was  PERL ; AND TITLE ANS ESC ROW  SERVICES CORP,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL.  XXXX   ... the funds were wired to me after  closing.Appx  {$2400.00} was held in escrow for customary reasons . Two days after closing I was notified by my realtor the closing company stated above refused to sent my the funds from the escrow account.They claimed I was overpaid on one of the pro perties and they are holding funds from all  XXXX  properties. Each sale was independently. I was originally told seller proceeds would be {$250000.00} yet I received only appx {$240000.00}. This company is holding my escrow funds illegally. I would appreciate your assistance in resolution of this matter.
Consumer complaint received 2023-07-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I've had Wells fargo for my mortgage they have suddenly switched my mortgage to a XXXX Mortgage lender that appears to not be a good company. Besides that Wells fargo has recently increased my monthly mortgage by XXXX a month indicating from projections over the next year. My taxes are not raising and if they do once every few years it only adds up to less than XXXX for the year. So Wells Fargo is asking me to pay XXXX a year???? And all of sudden they switch this to the new mortgage carrier. I've been paying my mortgage for 21 years, it will be finished in less than XXXX as I used to pay XXXX a month? I've had so many problems with Wells Fargo but I should be able to pick who does my mortgage? They have tried to rip me off so many times.