davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (CT)

A dispute in the amount of XXXX was filed with Continental Finance for an item I returned, not refunded by merchant. The rep who took the claim was provided with all relevant information ie date of return, reason for return, tracking number, response from merchant, etc.. However, they sent a letter asking for all information again. Please note, tracking information was provided a total of XXXX separate times, their letter asked for it again. The item is a pair of XXXX shoes that did not fit, the wrong size could have been sent. However, I do not know for sure because the size on shoes was not checked. This information was given to rep XXXX XXXX ) in dispute dept, was requested again in their letter. As you can see, they have done nothing in regard to this dispute except request information already provided to them. The dispute number is XXXX
Consumer complaint received 2019-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America personal checking account apparently that I did not remember I had. It was opened in XXXX when I had a business account with the bank and opened in person at the branch. I was told I needed a personal account in order to maintain the business account or some nonsense at the time even though I didn't want the personal account. I elected electronic statements instead of paper, but apparently the person who opened it mistyped my email address. In XXXX I closed the business account, but forgot I had a personal account and it wasn't until XXXX of XXXX that I received a letter saying I had an account still open with the bank. I did not have a login/access so I had to reset login/pass and went in to see that BofA had charged me hundreds of dollars in account maintenance fees without ever sending me a statement notifying me of this. 

I called at spent more than an hour on the phone with the bank and they told me that they would not refund the fees. Apparently they unilaterally changed the account type in XXXX to one that would charge me monthly maintenance fees of {$12.00} per month and never notified me. They didn't send a statement, they didn't send a letter, they didn't email a statement, they didn't even email a notification of a statement. When I confronted the bank with this on the call, they said that they had sent notifications to the wrong email address and were getting bounceback notifications that it was not a real email address, but that they never bothered to call, send a paper statement, paper letter notification or anything. 

I told them it is completely unacceptable to unilaterally change my account type and start charging me fees without ever notifying me and they said it was my fault that I had never been notified because I should have known the bank employee mistyped my email into the setup for an account I never wanted.
Consumer complaint received 2024-04-12
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: PROSPERITY BANCSHARES, INC. (OK)

In XX/XX/XXXX I submitted a dispute against XXXX for the charges of {$1800.00} because they did not provide the services they promised. I provided XXXX pages of proof showing how XXXX failed to provide a proper website, did not provide on page XXXX, did not put me in over XXXX directories including XXXX, XXXX, etc, did not provide addequate XXXX and XXXX XXXX, and several other areas they failed. I have this documentation if you need it. I received a letter from Prosperity bank dated XX/XX/XXXX advising they were denying my claim so I called and asked why. The rep stated that they received a document signed by me stating that I agree deposits are non refundable. The problem is I never signed any documents with XXXX and the terms and conditions paperwork I was sent has nothing stating that. I asked for proof to be emailed to me and the rep said it would be sent over. I never received anything. I have been calling weekly since then asking for this proof and for a supervisor to call me and nothing has been done and no one has called me back. I do not agree with the determination because XXXX. I never signed anything XXXX the terms I received have nothing in them stating deposits are non refundable and XXXX even if there was something in my paperwork stating this XXXX  did not provide the services they laid out in the agreement and I proved this. I have been rebuilding my business online presence since XXXX because XXXX almost destroyed my business.
Consumer complaint received 2019-02-05
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The  latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (TX)

This is a follow up to CFPB Case Number XXXX Revco Solutions XXXX XXXX XXXX XXXX, OH XXXX Revco Solutions Reference # XXXX. 
Since XXXX Revco Solutions has been trying to collect a debt from an automotive repair shop in the amount of $ XXXX - I wrote Revco Solutions informed them that the debt was not mine and requested they prove the debt is mine by providing a copy of a form or agreement that I signed obligating me to the debt. XX/XX/XXXX - Revco Solutions responded by providing me a copy of a statement from an automotive repair facility with my name on it and informed me that Revco Solutions was terminating further collection efforts. XX/XX/XXXX - I informed Revco Solution they had failed to provide proof of the debt being mine. Providing a copy of an account statement, with my name on, did not constitute providing a copy of a signed credit agreement. 

XX/XX/XXXX Revco Solutions responded stating " In response to your Consumer Financial Protection Bureau complaint, XXXX XXXX XXXX XXXX provided a copy of the Application for Credit with your information and signature as the Applicant. Revco will provide a copy of the Application to you under separate cover. Revco verified no reference to the Account by Revco is on file with any of the XXXX XXXX XXXX XXXX. '' The mentioned copy of the Application for Credit with my information and signature as the applicant has not been received. The Revco CFPB response of XX/XX/XXXX has successfully distracted addressing the wrongful attempt to collect a debt. The debt is still showing up on my credit report and damaging my credit history. 

Sufficient time has now passed for Revco to have provided proof that the debt was mine and they failed to do so on numerous occasions. They have repeatedly been asked to provide this information since XXXX of XXXX. The XXXX mark on my credit remains. 

Revco stated in their XX/XX/XXXX response that " Revco verified no reference to the Account by Revco is on file with any of the XXXX XXXX XXXX XXXX. '' This is not a true statement. 

Basically Revco provided a response on XX/XX/XXXX that was filled with false information to simply close CFPB Case Number XXXX.
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANCO POPULAR DE PUERTO RICO (PR)

I was a XXXX  XXXX  customer in Puerto Rico, when they closed my mortgage was transferred to Banco Popular of Puerto Rico, at that time my mortgage was up to date and all payments had been made, when Banco Popular took over my payments had fallen behind to no fault of my own, it was due to the lack of information being provided by the new bank, when offering a one lump sum to pay it was much too high and they offered a loan mod XXXX XXXX, I had made my XXXX  payments but after they had told me we did not qualify since then we had many delays and problems in Puerto Rico, but now the new modification is well over XXXX XXXX XXXX  being added to my mortgage in undisclosed fee 's and who knows what, yet we still receive monthly statements of only {$300000.00}
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX a Billing Error Notice & Request to Refund all credit balances in excess of {$1.00} ( Pursuant to 12 CFR 1026.11 Treatment of credit balances ) was sent to Goldman Sachs Bank USA, which was received by the recipient on XX/XX/XXXX, XXXX XXXX  ( USPS XXXX # XXXX ). To date the documentary evidence requested has not been provided namely the XXXX accounting entries showing evidence of an actual debt owed. The only thing received were the same statements which contained the billing errors to begin with. No correspondence or communication in response to the billing error whatsoever. 

Within the same notice a request to refund all credit balances in excess of {$1.00} was also included of which Goldman Sachs Bank USA has 7 business days to comply which it has not to date. 

Furthermore, on XX/XX/XXXX a Bill of Exchange ( valued over {$91000.00} and clearable within the US banking system and for presentment to the UNITED STATES TREASURY ) was mailed and received XX/XX/XXXX, XXXX XXXX  ( USPS XXXX # XXXX ), to date payment has not been applied to account.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

Update to Compliant number XXXX I wanted to include proof I just found doing research of this scam. If you look on XXXX   under XXXX car wrap scam. You will see a link to XXXX that shows numerous of people being scammed the same way. Something needs to happen to stop this. In my attachments you will see several people received the same check made out to them using the SAME CHECK NUMBER that appeared in mine. Below is a copy of my original complaint. 


On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo on a couple occasions was called for a stop payment on my account but did not stop payment and I was charged overdraft fees so I would call into Wells Fargo and open a claim for it to be resolved but was never awarded back the overdraft fees that they took when they realized I called in for stop payments because the company was not supposed to bill me but did
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (RI)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. It was affected by natural disaster. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

I am submitting a second complaint on an existing issue - to have my escrow account balance refunded to me. In its response to my first complaint, the company said it would refund this balance within ten business days. It has now been over ten business days, and my escrow account balance has still not been refunded to me. I would also note that I attempted to resolve this with the company 's designated compliance contact, and am submitting a second complaint because they are not being responsive.
Consumer complaint received 2020-08-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings (VA)

Hello, I have disputed the Collection Account with Speedy Cash with all the 3 Bureaus ( XXXX, XXXX  and XXXX  ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company. 

The debt speedy cash is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. Speedy Cash re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX  and XXXX 5 times without any resolution. This is illegal to re-aged a date. 

I feel hopeless. 

Please help.
Consumer complaint received 2020-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Have additional information pertaining to complaint XXXX i had contacted see XXXX and hey said capital one was responsible not them i called back capital one and they said the claim was denied but they maybe able to do somthing in 5 days today i called back capital one pertaining to the account that had to be moved to another account so additional fraud would not be done to the account ending in XXXX and which i was getting .1.50 interest and after this fraud now the bank under the circumstances is penalizing me give me a 1.0 percent rate and today noticed its XXXX this is terrable bad enough a crime was committed and they are showing a no care attitude towards me as a customer, I like this bank a lot and never had a problem in the past until now when I spoke to supervisor XXXX when I was explaining my situation felt he was disrespectful and was talking over me and not allowing me to talk and this is a supervisor can somone please help me with this situation I feel very bad this fraud situation took place but the experiance in the bank is making things worse
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NC)

I filled out a credit application for a vehicle. Based on the negative equity and credit, the dealer said I needed a strong co-signer. My fianc who had a 730+ plus score co-signed the loan. The dealer came back with 11.5 percent with my fiance as the primary. I believe there was predatory lending going on. Looking at my paperwork, I dont understand how someone with excellent credit could end up with 11.5 % apr. 
the Dealership is XXXX XXXX XXXX of XXXX North Carolina. XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2020-08-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC (VA)

Hello, I have disputed the Collection Account with XXXX XXXX with all the 3 Bureaus ( XXXX, XXXX and XXXX ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company. 

The debt XXXX XXXX is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. XXXX XXXX  re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX and XXXX 5 times without any resolution. This is illegal to re-aged a date. 

I feel hopeless. 

Please help.
Consumer complaint received 2023-02-08
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: WELLS FARGO & COMPANY (TX)

This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX TX XXXXXXXX ) found with XXXX and no other matter. 
The following dates are instances where WELLS FARGO BANK N.A. & its subsidiaries or affiliates accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. 
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. 
XXXX WELLS FARGO BANK Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ) XXXX WELLS FARGO XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX AZ XXXX ( XXXX ) XXXX WELLS FARGO BANK XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX XXXX XXXX ) XXXXXXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AL)

I always paid off my Lowes card so I could buy more materials for my business. In XXXX I paid off my card and made another purchase. That purchase sent me over my credit limit by over {$1000.00}. I have never been able to go over my credit limit not even by {$10.00}. My credit limit is {$3200.00} and I owe them over {$4300.00}. I have proof from where I would have to buy materials that were over my limit and I would have to pay half of it then it then pay it off right then before I could pay the other half. When I went to pay my card off in full they said that I only owed {$750.00} so I paid that then bought more materials. Now they are saying that I owe them {$4300.00}. And are telling me that I cant make payments on it I have to pay in full. But I have made payments on it.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

In XXXX of XXXX I was notified by XXXX  and XXXX  that a negative collections remark was added to my account. This was placed there by CCS Companies on behalf of XXXX. 

I do not have a XXXX account and have not lived in a service XXXX area since XX/XX/XXXX. Yet, the report states that I was late as of XX/XX/XXXX. I disputed this with both credit agencies and it was removed, then readded in XX/XX/XXXX. I disputed it again and was denied removal. I do not owe XXXX any money and I have never been contacted saying that I do by either this agency or XXXX. The collections just appeared on my report.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (AL)

I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (AL)

I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation