davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

M and T bank refused to refund me for fraudulent withdrawels and payments made using my pin number in XX/XX/XXXX. They sent me a letter on XX/XX/XXXX that on XX/XX/XXXX XXXX $ would be taken from my account to return their provisional credit. I had reported this fraud within 30 days of it happening, and their were more fraudulent charges made that they DID refund, but they stated that due to my pin being used they need information on how the pin was acquired. How am I as a consumer supposed to know who/how my pin was acquired/stolen? When I spoke on the phone and voiced my concern on how I can not provide the information on how the pin was stolen, the agent simply said " sorry ''.
Consumer complaint received 2019-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (IN)

I previously submitted a complaint through this site and received a response both online and via mail. Yet I still receive phone calls NUMEROUS times nearly daily. They have now transitioned to calling me from new phone numbers and harassing me despite my attempts to have them stop. If this isn't stopped, I will be taking legal action to stop the harassment.
Consumer complaint received 2016-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Hello, I have been on forbearance plane due lost my job in COVID-19. My loan server was XXXX XXXX. On XX/XX/2021 we have reached to an agreement to modify the my mortgage modification, we went throw the modified agreement/contract. My monthly payments modified to be suitable with my current financial situation which it is {$1700.00} a month. I started the payment trial period, I submitted my first and second monthly payments on time. When the third and last trial payment approached I called XXXXXXXX XXXX to make my last trial payment and they refused to take the payment due the change of loan server to Shellpoint. 

I called Shellpoint to make the payment and they refused to take the payment due to the documents was still not received from the XXXX XXXX. They asked me to send the modification agreement to them so they speed up the process. I forwarded the loan modification to Shellpoint and I tried to call the point contact for my loan and she never called me back, I kept calling customer serves and they transfer me to the point contact but she never answer or called me back. 

I recently received a letter for loan modification they did on their own that I have no idea what are the terms of modification they did but I know the monthly payments jumped to {$2700.00}. Again called them and sent email and I have no answer at all.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This complaint is about a specific late fee policy with Bank of America Visa. I have already paid the fee, so that I can promptly and cleanly close my account. However, this particular policy seems like it should be illegal, and other people should not be taken advantage of going forward. Here are the details : My XX/XX/XXXX bill had a balance of {$89.00}, due by XX/XX/XXXX. 
My card has a cash back feature. Cash accumulates in your account until you either apply it to your bill, or request a check. I chose to apply {$89.00} from my cash back to my bill. It was credited to my account on XX/XX/XXXX, bringing my account balance to {$0.00}, prior to the due date. 

B of A then charged me a late fee of {$25.00} on my XXXX bill, and flagged my account as being past due, even though the balance was XXXX! I called B of A on XX/XX/XXXX for an explanation. They said that I still owed the minimum due amount, even though the balance was XXXX! The original person I spoke to also didnt understand this policy, and checked with their manager. They maintained that I would have had to pay {$25.00} more than was due! 

Nobody would interpret their still owe the minimum due policy in the same manner as they do. This policy seems to be aimed specifically at collecting additional late fees, from people who will not notice it, or will not contest it. If they really want a minimum payment from outside of the BofA account, then they should explicitly say so. As it stands, BofAs policy seems predatory, and should be illegal. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint mortgage servicing filed a NOD on our home after receiving good funds in the amount of {$39000.00} and mailed our check back to us dated XX/XX/2019. 4 days later they filed a notice of default on our home. My wife and I were charged 28,000 apox. in fees which we paid them. We saved our home and paid them off in full. I was doing the math and we paid numerous fees and impounds which we did not receive back. I was told today per a rep that no money will be coming back to us. The reason why our loan went late is that I was diagnosed with XXXX and was quite ill at the end of last year. I tried everything to correct the problem with shellpoint and they were no help, just wanted out home since we have so much equity. I am attaching the check and letter from shellpoint. This is straight predatory lending under the definition set-fore from our government. I'm sure they do this with any that has medical or other financial problems that arise.
Consumer complaint received 2017-07-31
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: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC has listed a {$820.00} collection to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report. They failed to do that, sending me the letter on XXXX XXXX 2017,  without my signature on it, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. They have also put a wrong name, since my name is XXXX XXXX XXXX and they are reporting XXXX XXXX which is not my name and it is not my debt.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Amendment to complaint XXXX : I mistakenly stated in my earlier complaint against SPS that my wife was laid-off from her employment position and i received a salary reduction during approximately XX/XX/XXXX. That date should have been documented as XX/XX/XXXX ( during the height of the Covid-19 epidemic ).
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (SC)

Hello I had a {$10000.00} pay cut. I lost a job. I just got a second job plus I have started XXXX and XXXX XXXX to catch up on my bills. Every month Im getting a threat to get my car repossessed by GM Financial. I feel that we are still in a pandemic and people are still struggling financially. Im make a payment each month and they are wanting two payments now in order for me to keep this car. I have less than 2 years to pay it off and I dont want to give it back. There should be something that companies can do to help with situations like this. Its XXXX stressful and causes XXXX and XXXX.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (DE)

TD bank is ending in predatory banking practices including making profits from its banking customers, including me. I petition this organization to create policies and laws that help protect consumers like me. When banks become gang practicing institutions and are too greedy and selfish with regard to customer concerns, then the whole financial sector is in trouble. Please help fix this problem before millions of Americans suffer as a result of predatory banks like TD bank. I am tired of the way this bank operates. This bank is immoral and predatory in its overdraft fees practices. Please hear and help me. Please please help fix this banks overdraft fees problem before Americans like me pay hefty prices to keep this bank afloat with its evil practices of taking advantage of poor customers. Amen
Consumer complaint received 2021-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was notified by XXXX that a Capital One credit card was fraudulently opened in my name using my SS number via an online application. As advised by XXXX I immediately called Capital One demanding they close the account immediately and asked for a written report on who, what, where, when and especially WHY this fraudulent activity could take place. Not receiving any written documentation, I then sent them a formal letter on XX/XX/XXXX, as recommended by the IdentityTheft.gov website. It is now been over seven weeks and I have yet to hear back in writing from Capital One.
Consumer complaint received 2021-12-29
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-29
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Following over two month and endless financial documents uploaded, this loan application with Quicken loans never closed. They provided no information, update, or any insight as to why this loans was held up in a perpetual never ending process. I was mislead and lied to as to the terms of the mortgage without any explanation. I was assessed points and higher closing costs without any explanation. I final today demanded to cancel this loan application. They could care less!!!!
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (WA)

The disreputable organization the complaint is against in general is XXXX who owns both XXXX and Bridgecrest which the latter two commits usury. The APR I am given is 15.43 %. Even for a newer car I shopped around, the interest rate is still above the state 's limits. I have contacted their representatives twice and confirmed that the price given to me online is the actual amount and it is non-negotiable.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RAB, INC. (TX)

XXXX XXXX # XXXX This is my second complaint against this company. 
1st complaint XXXX XXXX XXXX emailed me 23 times and threatened to sue me for theft of services and told me I would go to jail for this. 

This was a business loan even though it states in the contract that this is not a loan. But i received money which I started to pay back immediately but then was unable to do so because my bank closed my account for being negative. Because my business stopped operations for the summer due to Covid. I tried to contact them to let them know my business would not be operating for the summer but their website does not have an email address or a phone number listed. They did not 6 months ago and still do not to this day have any phone number or email listed. 

Also, I am not a personal guarantor for this loan. 

This time XXXX XXXX XXXX called me again but she was impersonating someone else. 
She claimed her name was XXXX XXXX. But this was the same person I spoke with last time. She threatened me with the same actions as last time, threatened to sue me for theft of services and jail time.
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (SC)

I just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. Please remove.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (IN)

I have two JP Morgan Chase credit cards that were included in bankruptcy. 

These accounts are past the reporting time. 

JP Morgan Chase needs to remove these. 

Furthermore, the accounts are listed as if they are identical - XXXX is what the two entries show. 

One card was the Chase Freedom, and the other was the Chase Sapphire.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/2021 I submitted a claim to dispute four {$100.00} transactions on my account from XXXX XXXX- a peer to peer payment service. The transaction totaled {$400.00}. Wells Fargo issued a temporary provisional credit but later reversed the credit resulting in my account being overdrawn {$400.00}. 

Upon a review and several calls to Wells Fargo 's Claims Department XXXX Wells Fargo outright refused to investigate the claim because it stated that it was prohibited from opening a claim for peer to peer payment transactions. 

On XX/XX/2021 - two days before XXXX - I was notified by Wells Fargo via email that my checking account was being closed as a result of the overdrawn balance. 

Wells Fargo failed to open a claim against XXXX XXXX XXXX, doing business as XXXX XXXX. 

Wells Faro failed to properly mitigate and remediate these fraudulent transactions even after I advised Wells Fargo that I attempted to resolve the matter with the merchant to not avail. 

I was notified by the Wells Fargo Executive Customer Service they would look into the matter but they never did. As a result of their failure to follow federal laws and a rules and regulations my account remained overdrawn and subsequently closed.
Consumer complaint received 2021-12-29
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. (TX)

I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, XXXX XXXX. INQUIRIES - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I purchased a bag from someone called XXXX XXXX XXXX ( XXXX ) who scammed me and sent me a weighted ball instead of the item I purchased. She has stated that she is issuing me a refund but is now unresponsive. I have contacted my bank, Chase, disputing the charge but the bank has said they will do nothing about it. I sent the amount of {$1300.00} via XXXX on XX/XX/2021. I've contacted the seller, Chase bank, XXXX and the FTC between XX/XX/XXXX and today, XX/XX/XXXX. 

I have documented evidence via multiple text messages from herself and some other person who claims she accidentally received my package and sent me photos. I have an email request from her bank, which is also Chase, where she has notated that she is issuing me a refund. However, she is no longer responding to messages or calls.
Consumer complaint received 2021-12-29
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: WELLS FARGO & COMPANY (TX)

My company performed several thousands of dollars of work on a vehicle owned by a Wells Fargo account holder, XXXX XXXX XXXX. Our investigation revealed the fact that XXXX XXXX is a state and federal convicted felon, XXXX XXXXXXXX, fraudster, identity thief and XXXX XXXX person. XXXX XXXX fraudulently disputed the sum of {$2300.00} on his Wells Fargo debit card. Wells Fargo found in our favor, however XXXX XXXX paid a Wells Fargo employee at the branch to reopen the claim. Wells Fargo unlawfully reopened the claim and ultimately unlawfully charged the funds back to my company XXXX XXXX XXXX. The actions of Wells Fargo violate XXXX Policy in that the claim was found in our favor and fraudulently reopened. We are attaching several pieces of evidence and invoices of work done.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (CA)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Needed to dispute a transaction. Called Wells Fargo and they eventually escalated me to their claims department who listens to my problem and told me to call back within a few hours without giving me a claims number or reference. Called back and they told me my claim was denied because I did not attempt to cancel a order that was unshipped within him their 3 day time frame. These rules you can not find anywhere in their official policies.
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (PA)

I am ready to pay off my loan and the bank which is Santander consumer USA, has charged me over XXXX dollars in late fees even though it was not 30 days late. The XXXX on this loan is 16 % so they already made thousands of dollars off this loan. I called in today XX/XX/29 to try and have them waived and spoke to XXXX with employee number XXXX and she refused to wave any late fees. I asked for someone else I was transferred to XXXX employee number XXXX and he said only {$50.00} could be waved but did {$100.00} as a courtesy. To me thats not enough based on the XXXX. I want all late fees waved and I will make the final payment.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2021 after a 45 day investigation Capital One Consumer Advocacy, Capital One Secured card account services failed their fiduciary responsibilities concerning specific accounting irregularities in the instruments provided by the alleged original creditors. At this time they fail to make any valid claims and insist on having authority when there is none and they are participants in willful fraudulent accounting practices. I HEREBY RESCIND, CANCEL, TERMINATE ANY AGREEMENTS BETWEEN THE PARTIES! A demand for the FULL ACCOUNTING IS MADE AND WARRANTED as outline in irs publications 585. Your continued misappropriation of this financial accounting is warranted. Prepare and submit the necessary documents for closure of this accounting to include all 1099s, statements, credit insurance, pay-off disclosure, interest disclosure. Thank you in advance for your most prompt attention to my worry.