davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allegiant Capital Recovery LLC (MD)

Allegiant Capital Recovery called me for several months from various numbers and contacted my family members with harassing calls after I told them not to. I never even verified myself and told them I wasnt aware of the debt that they spoke of because I generally didnt and they still continued to harass me and contact my close family members. They were so rude over the phone and told me I sounded and seemed like I fit the demographic which I found to be very XXXX. I want them to leave me alone, seeing that I have no knowledge of what they speak of, more professionalism before I have to sue them.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

carrington mortgage has incorrect information reporting on my credit report. These late payments are affecting my credit file. i asked them to investigate within 30 days and I still havent heard any results or update from them. Its been 60 days
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021 I sent a wire to my attorney 's office XXXX XXXX XXXX XXXX. I did not know that someone had hacked their email address and altered the wiring instructions. on XX/XX/2021 the attorney reaches out to me to tell me they did not receive the wire. It was at the moment we realized the wire instructions were fraudulent. The money had gone to Wells Fargo from XXXX XXXX. I immediately reached out to both XXXX XXXX and Wells Fargo. XXXX XXXX was extremely helpful and began contacting Wells Fargo as well. 
Wells Fargo was NOT HELPFUL AT ALL and still is not being helpful. They will not even return my calls anymore, and the issue is not resolved. 
Myself and the Bank contacted Wells Fargo on XXXX through multiple channels... the wire department, the fraud department, a local branch, voice messages, emails, etc. When I finally was able to speak to someone they gave me a " timeline '' of events and told me that we notified them on XXXX but that they did not start working on it until XXXX. Why would they wait that long? 
A friend in the banking industry had a contact at Wells Fargo who told me that because the name on the account was an individual 's account and the beneficiary of the wire was a business, this threw up a red flag. That admittance had me HOPEFUL. 
XXXX in the Fraud Department finally tells me " on a recorded line '' that they are REQUIRED by Regulation J to accept a wire even if the beneficiary does not match. I have since found out that is completely false. They CAN accept the wire, but they do not have to as she stated. 
XXXX XXXX recalled the wire and Wells Fargo only returned {$200000.00} of the {$350000.00} that was sent to them. They said the other funds had already gone out including two large checks that were cashed, one to the account holder himself. They took absolutely no action to try to stop or get that money back even though they knew it was fraudulent. 
We are working with our local police department, and they have even told us how unhelpful Wells Fargo is being in helping solve the case and recover our funds. They have a search warrant that was provided to WF, yet still they are not helpful. 
I would like someone to CALL ME. Once XXXX told me the {$200000.00} was coming back, she was done with me. She will not return my calls or answer my messages and my questions about the remaining. 
I have never felt so poorly treated or dismissed by a financial institution. I feel like I am being discriminated against because I do not have a lot of money and am not a rich person who can make them a lot of income. Because they know {$350000.00} is my entire life savings, they could care less about me and my problem. If I had millions of dollars in their bank, I am sure I would not be treated like this.
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 — Investigation took more than 30 days
Company: National Credit Systems,Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, Pain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

I have recorded calls with this company promising to remove the inquiry. One Main Financial is brandishing a fraudulent inquiry on my credit report. I have tried contacting them before about this issue to no avail. Since recognizing the inquiry I have place a freeze/fraud alert on my consumer credit reports. But the company One Main Financial still hasn't rectify the issue. If issue isn't rectified, I will be proceeding with legal actions. Because I didn't authorize that inquiry.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one venture card was used for 2 fraud transactions at XXXX and XXXX on XX/XX/XXXX. I disputed both on XX/XX/XXXX and I was denied for both. Capital one claimed that they were transactions made by us. However, these 2 transactions are fraudulent and I tried disputing but was denied by capital one. I have been a loyal capital one customer for years and this is the first time they have not helped with a fraud claim. However they were the ones who sent me a text on XX/XX/XXXX ( image attached ) asking me if I spent {$270.00} at XXXX and i said no and immediately called the credit card company to dispute it We were in XXXX XXXX at the time of the 2 transactions took place in XXXX ( 1.5 hours away ) and XXXX ( my fianc ) had the card in his possession and he was with me the entire day. I included 3 receipts of the transactions made in XXXX XXXX. We dont even shop at the mall where the 2 fraud claims were made.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MI)

I rented a room in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) from XX/XX/XXXX - XX/XX/XXXX. I was a XXXX XXXX at XXXX XXXX XXXX University at the time and graduated in XX/XX/XXXX. I paid roughly $ XXXXmonth in rent until the end of my lease which expired in XX/XX/XXXX. I received my security deposit back in full ( one month 's rent - US {$800.00} ) upon my move-out in XX/XX/XXXX. I completed the move-out process organized by XXXXXXXX XXXX  which included signatures on a " move-out '' sheet that was submitted prior to me receiving my security deposit back in XX/XX/XXXX. 

Several months after completing the move-out process, vacating the unit and receiving my security deposit back, I received an email from XXXX XXXX XXXX stating that I owed an additional charge ( {$520.00} ) for cleaning services. I was shocked to see this as I had already completed the move-out process which involved calculating any additional charges ( which would have been taken out of my security deposit ). I still believe I am not under any obligation to pay this charge. XXXX XXXX XXXX sent this additional charge to a collection agency in XX/XX/XXXX. 

I now have a collection account on my credit report for this additional charge I have no obligation to pay. I have been in contact with both the collection agency ( XXXX ), XXXX XXXX and a credit reporting agency countless times over the past several months to try to find a resolution to the issue. XXXX XXXX communicated that the charge was sent to XXXX by the previous property manager who is now not employed by the company and that it should not have been sent. Though, when I have asked ( numerous times ) for them to provide the documentation of the signed move-out sheet and the account history of which would clearly show the returned security deposit, they have not responded or stated " they will get back to me ''. 

My payment history should be documented in my online resident portal, which only XXXX XXXX has access to, as I am no longer an active resident at their property. I am still attempting to obtain this proof so that my dispute can be properly processed by both the credit agency and XXXX.
Consumer complaint received 2021-12-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC (GA)

I called the debt creditor and they told me they outsourced my account to a third party. However, XXXX XXXX is the third party. I called the company unisonthey outsourced, they said they could record the call but if I recorded the call they would hang up. They wouldnt give me a legitimate website or account details via mail. They demanded a $ XXXX settlement from $ XXXX. But couldnt give me a secure way to pay.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

When I first bought my home in XXXX of 2018 my closing document stated that for years 1-10 my monthly payment should be ~ {$3800.00} and for years 10-30 monthly payment will be ~ {$3200.00}. 

However, Loancare insisted I pay $ XXXX monthly from the start. They effectively created a shortage in my escrow account due to this error on their own end ( see attachments ). This past summer they conducted an escrow analysis, realized the mistake, and raised my monthly payment to {$3800.00} but realized shortly after that there was a much bigger deficit in the escrow and raised my monthly amount to {$4400.00} which caused me to miss my XXXX and XXXX payment. Then they reported me to the credit bureau for missed payment and transferred my loan to XXXX in XXXX. 

I have been on the phone with Loancare multiple times in the last three months, begging, pleading, reasoning to have this matter resolved but they basically told me it is no longer their problem as my loan does not belong to them anymore. 

I am attaching my closing document here which will show the amount agreed upon and statements from Loancare showing that they were negligent in charging me the amount in the closing document. From my understanding the closing document is a binding contract and the loan servicer should have been charging me the proper amount ( ~ {$3800.00} ) from the beginning to avoid any deficits and surges in monthly payments. 

I am aware that tax implications change from year to year but this home is not a new build and there should not be a fluctuation of this much in monthly payment. I am also aware that there is a PMI on my loan. I am not sure whether Loancare neglected to charge PMI or the full tax amount but the deficit in my escrow was caused by THEM as they failed to follow the amount noted on the closing documents. 

I know XXXX XXXX is not at fault whatsoever and the neglect is reflective of only Loancare but I am requesting that this matter be investigated further - I do not want to lose my home or be forced to modify my loan or go on a predatory re-payment plan due to the gross negligence by Loancare. 

Please, please, look into this matter in detail and feel free to call or email me as needed, as many times in needed. My phone number is XXXX. 

I am attaching documents here for review and proof of the situation. I would like to bring attention to the file " Signed Closing Disclosure '' - in the middle of the first page you will see where the break down is for the first 10 years and the last 20 years and the amount that should have been charged by Loancare.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been violated by Transunion. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Transunion has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Transunion admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.
Consumer complaint received 2021-12-29
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXXBalance {$13000.00} XXXX XXXXBalance {$2200.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NJ)

I had set up a payment plan with Discover card due to a financial hardship. They were auto drafting {$200.00} a month from my bank account for the last 2+ years. In XX/XX/2021, they did not withdrawal the money despite their being sufficient funds in the account and then reported it as a late payment to the credit bureaus. When I contacted them to have it resolved they claimed I had been making the payments to them and they were not automatically withdrawing. This is completely false and has now adversely affected my credit. I paid the balance and closed my account so it does not happed again, however I have no recourse to correct my credit.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I deposited {$26000.00} into my savings account. Bank of America BOA said the funds were available, but overnight they emailed me and said they are putting a hold on the funds. XX/XX/2022 I went to the XXXX California branch and requested they release the hold. 

I then received an email stating that they are releasing the hold. 

On XX/XX/2022 I was going to use the funds and the bank app and a call to their customer service center said the funds are not available. They said they can hold it as long as they want. I checked the bank that I drew the funds from and the funds left my bank on XX/XX/2022. 

I called the XXXX California branch, and the person answering the phone stated to me that I can not access my funds and I am contacting the wrong person. 

I requested a call from the branch manager who was initially helping me and he refused to connect me.
Consumer complaint received 2021-12-29
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.
Consumer complaint received 2019-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I have written US Bank numerous times about a {$1300.00} fee that was charged to my account on XX/XX/2019. This was " advance '' billing for some potential foreclosure costs that never actually took place. I originally argued with US Bank that charging this fee on a {$50000.00} loan was unreasonable. It is but i have learned since that RESPA requires the underlying work that actually underpins the fee must have been completed in order to bill the customer the fee. In many letters I have indicated no court fees were ever incurred and the lawyers never got the material from US Bank to start the foreclosure paperwork and I paid off the loan balance due before that. US Bank has no justification for this fee and needs to refund it.
Consumer complaint received 2021-12-29
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NY)

Barclaycard refuse to lower my interest rat, causing me extreme hardship. I have requested printed statements and they refuse to send me a printed statement. I usually require assistance to go online, whereas a paper statement I can read.

BARCLAY BANK DELAWARE
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I did voluntary surrender on the vehicle and was advised that the car would be sold and I would owe the balance due after the sale. Chase Auto reported the full amount was due even though they have the vehicle and auctioning it off. I have not received any updates on the sale price they received from the auction. yet the entire balance was placed on my credit. The car should have been reported as charge off after the sale and any monies they received. I have included documentation sent to the corporate office as well the XXXX showing the balance was $ XXXX-but reported for a higher amount
Consumer complaint received 2024-04-10
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I notified American Express of my situation with the merchant XXXX  regarding an order I made for XXXX on XX/XX/XXXX I attempted to reach out to the seller upon receiving the wrong items which I will provide receipt and actual items I received were provided to amex they were glasses and a backpack I had not ordered which is insane how they mixed that up. I contacted American Express to handle this issue for me as I feared of being left with nothing after 60 days of my order being placed which is outside of the chargeback rule. Amex originally sided with me which was the logical case as XXXX made no attempts to communicate with me or try to mediate and for some reason reversed the decision? I am baffled as to why as according to the law they cant make me pay for something I didnt order or return the merchandise they sent ( which I was as Im acting in good faith ) I explained to them that I will gladly return the items so long as Im not responsible for shipping and duties as American Express said the company requested me to. I reached however and they told me it was outside of their return window? So Im just left with nothing? Thats not how the law works and American Express isnt acknowledging that. They were supposed to take care of this for me which is why I involved them in the dispute as the merchant never reached out. I had to reach out because American Express told me they told me to return them and nothing. They provided their return policy which doesnt apply to me because they didnt respond to me within that timeframe?!? So I got Amex involved to provide me help and they sided with them? Theres countless other horror stories on their reviews as well. Please help this is a lot of money to me I got an American Express card because of the reviews of how they help their customers and Im over here out of XXXX because of the merchants fault hopefully this can cause them to reverse their decision and act according to the law. They clearly acknowledged Im in the right but their hands are tied? Im including the letter. Thank you for your time
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (NV)

On the day XX/XX/24 unauthorized charge of XXXX $ was made. The card was with me on that day and I was at work all day. I used the card for the last time on XX/XX/24 at the XXXX XXXX for the amount of XXXX $ and nex day I saw all my money was gone. 

I opened a dispute on money network and after 3 days they said the denied my dispute. 

I have a proof that I was at work all day that day and the card was with me.