davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NC)

I purchased a bed through XXXX XXXX  and was financed through Wells Fargo. I called and was told my first payment was due on. I then set up automatic payments through my bank which made weekly payments. I have made every payment and paid {$14.00} {$.00} a month extra on each monthly payment Wells Fargo then stated to me I had missed the first payment and has charged me {$220.00} interest over the past year. On two separate times I have called Wells Fargo and thought the matter was resolved but to this day my very first payment which I was told to make I made there saying was the month prior mind you I paid {$15.00} a month more than what the payment was due every month no late payments other than the very first one they say I miss which I did not and they have been charging me interest and that ever cents where is the {$15.00} a month extra I pay gone I should be months and months ahead of the Bed payment nonetheless I paid the {$220.00} because they have messed up my credit as I am trying to purchase a home to the veterans and they have messed my credit up. I not only do not all this money and its shameful yet to clear my credit up. I had to pay it so I can try to move forward with the veterans administration to fix my credit score so I qualify for my loan. Please help this is not fair. Once you look at my payments, Ive made every payment on time every week except for the very first payment that they said I was to pay when I was told to pay that on a certain date the next month, please help
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I reported American Express to the CFPB when my account was closed by them to retrieve the annual fee. The fee was refunded in part, {$400.00}, as a result of that report. I should have been refunded in full as the card benefits were taken away and the contractural agreement was broken and invalidated unilaterally. Today, almost a year later, I received an email that I was being recharged {$200.00} ( {$200.00} plus {$4.00} in interest ) for a card benefit that was issued twelve months ago. When I contacted American Express to have this corrected I was told that they had reversed a card benefit for the return of a product ( over one year ago ) and there was nothing I could do to resolve it. This is completely unreasonable and unethical and a breach of contract. A move like this on their part creates chaos and instability in the consumer credit environment and must be reversed. If they did this to me, they are doing this to many previous card holders. They should be fined accordingly.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I use an app formerly known as XXXX XXXX and as of XXXX/XXXX/XXXX they have changed their name to XXXX. They are great but need my bank to send information in order for me to be able to recieve my XXXX XXXX XXXX but because chase is taking more than the few hours they were suposse to have done it by my money isnt there and i was depending on having that money.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TN)

I purchased a vehicle from US auto sale, and they went out of business. The car was turn off and repossessed. They sold the debt to Westlake, and now Westlake is saying, I owe the debt to them that US auto sales sold them, and I do not have possession of the vehicle.
Consumer complaint received 2023-08-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (NJ)

On XX/XX/2023 I recieved a letter from MRS BPO , LLC stating they were contacting me about a debt I owed to XXXX. The letter stated I owed {$25000.00}. 

On XX/XX/2023 I received a second letter from MRS BPO , LLC stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX, now XXXX. It stated I owed {$5300.00}. 



I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : https : //www.consumerfinance.gov/. This letter asked for all possible verifying information on my debt. I sent this letter to MRS BPO , LLC through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.
Consumer complaint received 2022-11-20
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: Experian Information Solutions 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. Account name XXXX  Account number XXXX XXXX has violated my rights. Account name XXXX XXXXXXXX Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX  Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number 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 2020-12-31
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

LoanCare Mortgage Company reports late payments to the credit bureaus while I am in forbearance ( Covid 19 Cares Act Assistance ). I have waited over 90 days for LoanCare to approve my loan modification I submitted a loan modification in XXXX, instead they have delayed the process and continuously report me as late to the credit bureaus. This is negatively impacting my credit and is not true. I am not required to make a payment during the loan modification process so it should be reported as on time. Their website says that it will not be reported as late while you are in the loan modification process or while you are in forbearance. Furthermore, they are supposed to have underwritten the loan modification within 30 day and it has been much longer than that. Additionally, they have been reporting me as late WHILE in forbearance ( Covid 19 Cares Act Assistance ).
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FIRST HORIZON BANK (SC)

As a beneficiary of XXXX XXXX XXXX XXXX checking account at First Horizon Bank they were to disburse funds just under {$7000.00} to me. First Horizon chose to issue a Cashier 's check and transmit it through XXXX. Subsequently, XXXX lost the package and has admitted fault in writing. First Horizon is illegally holding my funds in violation of 12 USC, Chapter 14. Please see the email chain below which is self explanatory : XXXX, The stop payment or hold on the cashier 's check has nothing to do with First Horizon 's responsibility to provide my funds in a timely manner and on demand. First Horizon chose to disburse the funds by cashier 's check and to transmit it via XXXX, when the fastest and most secure method would have been electronic transfer. XXXX has admitted fault, in writing, for the loss of the cashier 's check. Therefore, should the check be cashed illegally the appropriate action for First Horizon to recover it's funds would be through a claim against XXXX. 
I hereby demand immediate transfer of my funds by electronic transfer. Please elevate this matter to the most senior management person employed by First Horizon as lower level personnel may confuse internal First Horizon policies, rules or regulations with Federal Banking Law. 

On Thu, XXXX XXXX, XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX wrote : XX/XX/XXXX will be when the check will be reissued. 



XXXX XXXX XXXX. Relationship Banker XXXX office | XXXX fax XXXX XXXX XXXX XXXX NC XXXX NMLS # XXXX From : XXXX, XXXX XXXX. 
Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Reason for 90 waiting period XXXX, this is the stated policy & law per my department. I asked them yesterday that stop payment will not be completed till 90 days from the date we filed the form due to compliance and state law. 





The Uniform Commercial Code, which has been adopted in one form or another by all states, generally governs rights to cashier checks. It states that a bank may dishonor a cashier check if the claimant, which may be the client that ordered the cashier check or the payee of the check, provides a sworn, written statement ( known as a declaration of loss ) that the check was lost, stolen, or destroyed. The claim goes into effect 90-days after the cashier check is issued. In nearly all other circumstances, the bank is not permitted to dishonor a cashier check and could be held liable for expense, loss of interest, and consequential damages resulting from the nonpayment of the check. See U.C.C. 3-411 ( a ). Generally speaking, though, other than the lost, stolen, or destroyed situation, a bank should not stop payment or dishonor cashier checks. 



XXXX XXXX XXXX. XXXX XXXX XXXX office | XXXX fax XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (FL)

On Thursday XX/XX/18. I received a notification from my XXXX credit report that there was a collection filed against me by dynamic recovery solutions for the amount of {$800.00}. I have no knowledge of the debt nor have I received any paperwork stating owed the debt prior to the collection being posted on my credit report. I had reached out to dynamic recovery solutions in an attempt to verify what the debt was for. The company was supposed to get back to me 48 hours later with proof of the debt. However, I have not seen any communication on the debt. They did not produce the documents to support that I had owed the debt.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Experian Credit Published as Company Info : XXXX XXXX XXXXXXXXXXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX XXXXXXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2023-03-09
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. (CA)

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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (WA)

On XX/XX/2022 two unauthorized atm withdrawals were taken from my account while I had my debit card with me. One for {$180.00}, the second for {$20.00}. This was after several failed attempts, I woke up to 8+ notifications of atm withdrawal attempts all for decreasing amounts until the two successful withdrawals totaling {$200.00} occurred.. This is all while I had the location services set on the banking app to always allow which the app promises as an added security feature and I was nowhere near the atm that was used to steal from my account. I contacted the bank, they did nothing to help me.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXXXXXX XXXX. I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the 3 credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

My mortgage company ( Carrington Mortgage ) overpaid my taxes while I was proving to my county assessor that this is my primary residence. The county has confirmed that this is my primary residence and has sent proof that they have refunded the mortgage company. However, the mortgage company has now increased my mortgage payment an additional {$2000.00} to make up for the escrow shortfall, even though they are receiving a refund. I have offered to pay my regular mortgage payment and asked them to wait for the refund but they will not even accept my mortgage payment. I now have received a letter indicating foreclosure and have been reported to the collection agencies.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NV)

The company is XXXX XXXXXXXX from Comenity Bank. A vendor, XXXX XXXX, sent a refund credit of {$1000.00} back in XXXX. It was sent to a credit card account which I closed last year due to fraudulent activities. 

That card was replaced with a new one which I use and still active. 

I have requested a refund since XXXX, sent them a copy of their OWN statement but has been given the run around. They started a dispute but I am not disputing anything. I just want my {$1000.00} refunded.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNRISE CREDIT SERVICES, INC (CA)

MADE A COMPLAINT AGAINST SUNRISE CREDIT SERVICES AND XXXX XXXX ON XX/XX/2023 BEING ASKED FOR MORE INFORMATION AND WHICH COMPANY ARE I COMPLAINTING ABOUT SUNRISE CREDIT SERVICES IS WHO IS STATING THE INCORRECT INFORMATION TO ALL THREE CREDIT REPORTING SERVICES THE COMPLAINT ON XX/XX/2023 NUMBER IS XXXX SUNRISE CREDIT SERVICES HAS NEVER TRIED TO CONTACT ME ABOUT ANY OF THIS NOT BY PHONE, EMAIL, OR MAIL AT MY ADDRESS THEY ALSO HAVE TWO DIFFERENT ADDRESSES AND NOT PROVIDED A PHONE # OR EMAIL SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX NY XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX NY XXXX XXXX CREDIT SERVICES NEEDS TO REMOVE FROM ALL THREE CREDIT REPORTING SERVICES
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

We have banked with Boeing Employees Credit Union ( BECU ) since XXXX ; the account in question was opened in XXXX. We have XXXX accounts ( checking and savings ), same ownership, with a balance of {$40000.00} at the time of the incident. There has never been an incident of non-sufficient funds. 

On XX/XX/XXXX, we received a BECU cashier 's check in the amount of {$15000.00} for the sale of a vehicle. We went into a location branch, and happened to catch an employee walking by ; we asked how to have the check deposited without a hold. He said we'd have to wait to see an employee, and it was quite a process to do it. We decided not to wait, and made the deposit from home. ( BECU does not have tellers, only platform employees. ) On XX/XX/XXXX, we received a letter regarding an " exception hold ''. We were advised that because our deposit exceeded {$5500.00}, they were holding {$9400.00} until XX/XX/XXXX. 

I called their XXXX # to question this, since it was their own cashier 's check, we had more than sufficient funds in our accounts, and we were established customers. I was told they put holds on all checks over {$5000.00}, no matter the source of funds nor the account relationship. 

On XX/XX/XXXX, I moved the funds to another institution, because of this lack of customer service. 

I had the same situation in XXXX, with a hold placed on a check when there was more than enough funds to cover it. I called BECU when I got the letter, and told them I had already written a check against those funds ( again, their letter was received several days later ). The representative told me they would pay the check ; they did not. It was returned for " uncollected funds ''. 

I believe BECU is harming customers by not making what are " good funds '' immediately available.
Consumer complaint received 2022-11-20
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. (PA)

Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 2023-08-22
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: FactorTrust, Inc. (CA)

n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX/ Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

A month ago, I opened a personal checking account with Chase because I had received a cash bonus coupon by mail. I was supposed to get a {$220.00} cash bonus after I get an electronic payment of {$1000.00} ; however, after I received several electronic payments, which their system recognized as direct deposit, Chase refused to fulfill their promise to grant me with the cash bonus, stating that they only honor payroll or retirement direct deposits, which was not originally in their terms and conditions. Electronic payments are still counted as direct deposits, and I should get my {$220.00} cash bonus, which inspired me to open that checking account, and Chase deceived me by making me sending me a welcoming coupon and refusing to honor my bonus. I feel very devastated, used, and abused now.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX