davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I contacted Wells Fargo to dispute some charges. I spoke with an agent and requested a credit. The agent advised me it would take 10 days. I advise the agent that previously I didnt have to wait 10 days. The agent stated that was a previous call but on this call I would have to wait. He stated that the claims department was who I spoke with the last time. I requested to speak with the claims department. The agent at that time called me a XXXX. It was stated under his breath but I heard him. I asked him if he called me a XXXX and he laughed it off and said he didnt say anything and transfer me. I will be filing a lawsuit against Wells Fargo for misconduct and mistreatment.
Consumer complaint received 2021-12-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SELECT PORTFOLIO SERVICING ( SPS ) HAS VIOLATED THE FDCPA MANY TIMES NOW AND CONTINUE TO DO SO. PLEASE SEE ATTACHED COMPLAINT FILED.
Consumer complaint received 2019-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MD)

On XX/XX/2021, I'd applied for a one bedroom apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/2021, community managers XXXX XXXX and XXXX XXXX sent an email notification to inform me that my application was denied. When I did not hear back from XXXX XXXX XXXX about the return of my security deposit in the amount of XXXX XXXX XXXX dollars, I'd ask my bank to dispute the amount of my security deposit. On XX/XX/2021, my bank credited my account with the security deposit in the amount of XXXX XXXX XXXX dollars. XXXX XXXX XXXX opened a collection account against me with National Credit Systems by creating a balance of XXXX XXXX XXXX XXXX dollars that I do not owe. National Credit Systems threatened that the balance with XXXX XXXX XXXX will damage my credit if I did not pay it. I do not owe this balance. My concern is not only for myself. XXXX XXXX XXXX  may be in the practice of charging prospective apartment renters for the money for security deposits that they never return to applicants who are denied rental apartments.
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NM)

Trying to recast loan through US Bank. Unwilling, unable to help me. Now going on two weeks. Absolute XXXX. Give runaround, give false information, false pricing, ignorant at all levels of company regarding process.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

It looks like someone hacked my cellphone and logged into my business bank account and made a direct wire payment of {$24000.00} to three people that I never recognized on XX/XX/2021. I immediately reported to the customer service on same day around XXXX but he told me to leave a message to claim department because the claim department is closed. So I left a message and called early morning in next day and made a claim on XX/XX/2021. I received first responds around XX/XX/XXXX that they denied my claim because my ID and Password were used to make this transaction. I reclaimed again and provided police report and federal Identity Theft report to show my ID and Password got stolen by somehow. However, my claim was denied again in XX/XX/2021. Now, they don't allow me to appeal and forced to close my case. Even though their IP record shows that someone logged in from 4 different states, DC, TX, FL, and WI recently and my contact number was changed to the number that I never used, they still don't take my case as a fraud. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question.
Consumer complaint received 2021-07-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (VA)

I sent in my Payoff check on XX/XX/XXXX, Ally claimed they lost the check for over a month I sent overnight XX/XX/XXXX and they claimed they never received until they I provided the tracking and they found the check. they told me it would take 7-10 business days to process. I called after the deadline and they stated they never received the check again after confirming they had it. They then asked me if my previous check was still active as they made it seem they now all of a sudden found that check. It has been over the deadline and they still have not processed my payment and threatening to put a late payment on my credit report and saying I will need to be responsible for fees even though they are refusing to cash my check. They also took away my access to document and send notes on my account as I kept documenting all of my communication with them. They told me to call my new financier to see when they cashed my check when thats not their responsibility.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I was told when i signed up for their overdraft program that i was allowed one reversal on an overdraft fee. 

When i tried to claim it, they would not let me. 

There where two overdraft fees in the same day one was an error ( on their part ) and the other was a legitimate overdraft fee that i should have been able to reverse based on the one time reversal they told me about when i signed up for the program. 

First someone in wells fargo customer service told me they could do a partial refund of the overdraft fee for {$26.00}. The full fee is {$35.00}. A partial refund is unacceptable to me because they promised me a one time full refund on an overdraft fee. Then I started talking to someone named XXXX in their executive office, he would not refund the full fee either, and he actually offered me less than the XXXX bucks the last person i spoke to offered me ... I think he offered to partially refund me {$17.00}. I let him know my girl friend banks with Wells Fargo and never has this problem, if she has an overdraft fee, they reverse it no problem. The only difference i have a XXXX name. 

According to wiseage.org wells fargo bought in more than XXXX XXXX dollars in overdraft fees in XX/XX/2018. 

Its holiday time and they are taking advantage of their more financially challenged customers ...
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

On XX/XX/2021 I attempted to make a payment for my loan on my house. It was late, but within 30 days and so I should have been in the clear to make a payment. 

Logging onto MyLoanCare 's online payment portal, the system refused to accept my payment stating to call customer service. I called customer service and attempted to make a payment via the phone system, which also had an error and refused to accept my payment. It then redirected me to a live human representative, who I asked to make a payment with. The individual put me on hold for over 30 minutes before the system redirected me to another customer service representative.

This next CSR put me on hold again for 5 minutes after stating there was a " stop '' on my account so that they could " recalculate principal balances '' preventing me from making a payment. She said she would need to speak to a supervisor to attempt to remove this stop to allow me to make a payment. After returning from the hold, she stated she was able to remove the " stop '' and that I should try the online system again in 20 minutes.

This was already late in the day and so when I attempted 20 minutes later, the system did not accept my payment. I attempted again some minutes later and was locked out. 

Calling the automated phone system later in the evening did not work as well. I was unable to dedicated another 30 minutes+ to waiting on hold as my 3 year old child needed dinner and to be put to bed.

Attempting to use the online system later, they now are reporting it as " 30 or more days late '' and I suspect will report to the credit union. I believe Loancare and the mortgage company behind it is attempting to force a 30day late to prevent a refinance to my employer XXXXXXXX XXXX or for other unscupulous reasons.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OH)

Complaint : Paypal wreaks havoc on my bank account without authorization by mishandling XXXX transaction. 

The problem that I am addressing is a recurring problem perpetrated by Paypal. 

On XX/XX/21 I made six XXXX purchases directed to my Paypal Credit account. ( in which I am always conscientious in maintaining great standing on all my credit cards ). However Paypal opted to utilize my bank account, of which I intentionally maintained a zero balance. Why would I select that method when I know it would hurt me financially. I'm on Social Security. Well they ran those six purchases through my bank. I received six overdraft penalties : {$33.00} each ( {$190.00} ), and purchase of {$150.00} for a total of {$350.00}. This has also occurred before by Paypal a few months ago. Fortunately it didn't cost me anything.

Upon discovering the issues with my bank I sent four emails to XXXX XXXX ( CEO ) XXXX, XXXX, XXXX & XXXX. I have received no response. 

I only want the amount of {$350.00} paid to my bank and an assurance this won't happen again. 
Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America used highly misleading wording on both its website and its terms and conditions, which duped me into inadvertently doing a cash advance when I was trying to do a balance transfer. As a result, I was charged exorbitant interest after I was led to believe the transaction would be interest-free. 

I opened a credit card with promotional APR of 0 % on purchases and balance transfers. In XX/XX/2021, I transferred a balance of XXXX. Based on the terms of my credit card, I understood this transfer to be interest-free, with only a 3 % fee. 

I was very careful to avoid doing a " cash advance '', since I know that cash advances are not subject to intro APR. I specifically sought out the balance transfer option, and based on promotional materials I understood that a balance could be transferred to my checking account under the above terms, with 0 % promotional APR. However, the bank processed my balance transfer as a " Direct Deposit Cash Advance '', even though the website led me to understand it was NOT a cash advance. 

The terms and conditions listed only 3 interest categories : Purchases ( 0 % intro APR ), Balance Transfers ( 0 % into APR ), and Cash Advances ( high APR, no intro rate ). 

Attached is a screen shot of the screen where I was asked if I wanted to do a Cash Advance. The screen has a warning in bold that a cash advance would incur interest. I DIDN'T choose that option, and instead, selected the alternative option. Based on the text I saw, any reasonable person would conclude that I was not doing a cash advance and would not incur interest.

I just discovered that the {$10000.00} I transferred was actually processed as a cash advance and I've been charged over {$1300.00} in interest on it to date. I believe these charges are fraudulent because I was misled by the website 's wording, and I believe the website was designed to mislead in this way. 

Screen shot of statement also attached, showing interest charges.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (NJ)

NELSON CRUZ & ASSOCIATES ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXXXXXX XXXX  ancient " 30 days late '' reporting to my credit report from nearly 4 and 6 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking at my TransUnion & XXXX credit report and noticed the following unauthorized inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX To XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Can you remove them from my credit report immediately
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXXXXXX XXXX XXXX " 30 days late '' reporting to my credit report from nearly 4 and 6 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I HAVE MY HOME MORTGAGE FINANCED WITH XXXX XXXX NON ESCROW ACCOUNT. I WAS PAYING MY TAXES EVERY YEAR PLUS MY HOME INSURANCE. 4 MONTHS AGO I FOUND OUT PHH MORTGAGE BOUGHT OUT MY LOAN. MY MONTHLY PAYMNET WITH XXXX MORTGAGE WAS {$1000.00}. PHH MORTGAGE CHANGED MY PAYMENTS TO {$2200.00} AND ADDED ESCROW WITHOUT INFORMING ME EVEN THE TAXES & HOME INSURANCE BEEN PAID MY ME LAST YEAR, EVEN THIS YEAR. MY LOAN NUMBER IS XXXX. I CALLED PHH MORTGAGE SEVERAL TIMES AND BEEN TALKING TO THEM ALMOST 3 MONTHS NOW BUT NOTHING HAS BEEN FIXED. I NEED SERIOUS HELP. IF NOT FIXED I AM GON NA GO LEGAL WAY AND SUE THEM. ATTACHED IS THE COPY OF TAXES PAID LAST YEAR AND THIS YEAR. 
I AM FILING MY COMPLAINT THIRD TIME ON THIS SITE NOTHING IS RESOLVED YET. PHH ROBBERS CALL ME AND TELL ME A NEW STORY EVERY SIGLE TIME, NOTHING HAS BEEN DONE, STILL NO SOLUTION.
Consumer complaint received 2018-03-02
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. (NJ)

Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being Wells Fargo 's XXXX  " 30 days late '' reporting to my credit report from nearly 7 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion credit bureaus customer service would not help and take care of the unauthorized inquiries reporting on my credit report. 
These are the listed fraudulent inquiries XXXXXXXX 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/21 I cashed a checked from the XXXX XXXX XXXX XXXX, Tx XXXX doing business at XXXX. Check was for {$390.00} and from an account associated with XXXX  XXXX XXXX. During the check cashing process the associate XXXX ( XXXX ) informed me I had an account in within the company, XXXX. I informed her I closed the account. She offered to reopen and proceeded to issue me a new debit card even after I denied it. I informed her to update my information in the system, email from XXXX to XXXX and to update license information. She stated updating license information was unnecessary and did not ask for identification either. Again, I asked her not to reopen the account or issue a debit card and she proceeded to do so. Furthermore, I was charged a fee when I was originally told the fee would be waived. 

The mentioned " XXXX '' also left identifiable information in public view and proceeded to assist another customer.
Consumer complaint received 2021-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " XXXX. '' " TransUnion '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (DC)

I switched from XXXX to XXXX XXXX XXXX in XXXX. Return the phones back and pay the remaining bill on XX/XX/2021. On my account it states that it is paid off however they are still harassing me about the {$670.00} that Ive been paid on XX/XX/2021. I provided so many proof that the account was paid on the XXXX  account portal it even states that it was paid. Due to this my credit score has dropped XXXX points and they are refusing to remove it from my credit report when I provided valid documentation that it was paid off XX/XX/2021.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I applied for a new Capital one card and was approved. It had a promotion that if approved and it was either {$2500.00} or {$3000.00} that had to be charged within 90 days of account opening to be awarded XXXX pts to the Venture card. I spent beyond those amounts in 90 days and have not received my award XXXX award points. I called right before XXXX and the customer service rep from Capital One did the math while on the phone and saw I had met the minimum purchase qualifications and the time to award the points had past. She supposedly escalated the matter and a supervisor needed to look at it before my points could be immediately awarded. I was told I would be called by a supervisor in 4 days and my points would be awarded in 7. I have heard nothing.