davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

ever since we moved to Florida in XX/XX/XXXX we have been living at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fl.XXXX in XXXX I had a XXXX XXXX done, and in XX/XX/XXXX I XXXX XXXX found out that they were some XXXX XXXX by some of out tenant, I went to the main office and question their staff and was told that is was true. I asked them if they were going to take the to court to remove them from the complex and I was informed by the staff that they were going to wait to their lease was over and terminate their lease, so I felt that XXXX XXXX XXXX was not thinking of their other tenants. they were placing my life in danger, I did not renew my lease and moved out in XXXX XXXX XXXX. they placed me with a collection agency Hunter Warfield to collect and extra month because I did not tell them that I was moving from the complex before my lease was up in XX/XX/XXXX. the collection agency placed my account with the credit bureau before they contacted me. 
I had been sending XXXX a month for the last ten months and now Hunter Warfield informed me that my payments were not enough and they would send it to their legal department. 
what recourse do I have as a consumer. 
Sincerly XXXX XXXX
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IA)

This complaint is related to the Wells Fargo settlement for XXXX. I had a primary mortgage with Wells Fargo from XXXX to XXXX. After the HARP program was initiated I called Wells Fargo mortgage to ask about applying for a HARP mortgage modification around late XXXX or early XXXX since I was experiencing financial difficulty due to the economy. The person I talked to said I would not qualify unless I came up with over {$40000.00} to be eligible for the HARP program. I don't believe that was correct and that I should have been approved for a mortgage modification. I believe that Wells Fargo was unwilling to give me a modification and would have preferred me to default on the mortgage because it would have been more profitable for them. At the time, my mortgage rate was % XXXX. I was never able to get a mortgage modification despite several attempts with Wells Fargo. During the entire time I had a mortgage with Wells Fargo I also had a checking account with Wells Fargo, which I'm unsure if I was changed any erroneous fees or had accounts opened in my name without my knowledge or approval. I believe I am entitled to file a claim since I have not received any correspondence from Wells Fargo or any payment.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

In attempt to pay my vehicle off earlier without being hit with interest each time I would add additional monies to my regular monthly payment and on at least two occasions I sent an additional regular monthly payment only to learn the company was hitting me with interest on every single payment. Upon learning this I reach out to the company and ask what can I do to prevent from getting charged additional interest. I was informed by several agents that I must submit the extra monies on the same day as I send my regular scheduled payment, ok. Where the problem come in is for my XXXX note I call myself being proactive and paying my regular schedule payment one day early and then I sent another monthly payment the very next day. only to learn later the company took interest from both payments submitted. When I reach out to the company to learn why they charge me interest both times they said because I did not send both payments at the same time. As a consumer I pride myself on doing the right thing by making timely payments and sending extra therefore, I should not be penalized for sending extra payments in early or even if I send the extra payments a day or two later. I did receive a call from the Executive Office on XX/XX/21 but did not get anything accomplished because the female answering the phone said she was calling regarding a complaint I submitted to the company via email.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

In XXXX I received an email from Synchrony about my automatic payment. I opened it up and saw they pulled the entirety of my card balance out of my account. I called immediately because that was not how I set up my automatic payments. They said they could not refund the money at that point. They said they would turn off the automatic payments for the future. My checking account was negative. I called my bank and they thankfully put a stop payment on it. 

The next month it pulled again. My checking account was negative again. I spoke to a chat representative who said he could only refund {$50.00}. Which did not make sense as it had just pulled over {$500.00} from my account. I said that was unacceptable. He abruptly said " sorry '' and ended the chat. I called in at that point and spent over an hour on the phone. The rep I spoke to saw that the notes indicated I had stopped my auto payments but it was still on. They issued a check to me ( I had assumed it would be an echeck ) but then stated it would take 15 days. I asked them to cancel that and I would again call my bank to put another stop payment on it. I spoke to XXXX different reps during that time and XXXX of them stated they would cancel the check. 

I check my balance the following month and see that they have added the check that they assured me they would cancel to the balance I owe. I have since had them remove it but I'm afraid it will incur interest for the time it spent on my balance owed. If they can take payments out electronically, they should certainly be able to refund automatically. This feels shady, an they do this to many others, and they get to ( probably ) collect interest on these amounts for the 15 days we wait for a check.
Consumer complaint received 2022-09-15
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX an account was opened without my knowledge. 

CREDIT CARD - " WF CRD SVC '' Credit Limit - {$1500.00} Current Balance - {$890.00} Account Type - REVOLVING Condition - Open Responsibility - INDIVIDUAL Term ( in months ) - NA Remarks- NA Date of Account Status - XX/XX/XXXX Payment Status - Current Times XX/XX/XXXX Days Late - XXXX XXXX XXXX XXXX XXXX CREDITOR INFO WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX Experian RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Consumer complaint received 2019-12-05
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. (UT)

XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (SC)

I wanted Wells Fargo to stop to transfers from my checking account to a prepaid card. Wells Fargo said they did not see any pending transfers but still allowed the transfers to go through. I now owe them over {$200.00} plus check fees.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

Ive had a checking account with Wells Fargo for years, and apparently over the last few years he started charging me a $ XXXX monthly service fee that I have never been charged nor have I ever changed my checking account planned. When I contacted them they said that this was a fee that started and if theres nothing they can do to refund my money. They never notified me. It wasnt right. Apparently they couldnt do anything to help me so I canceled both my checking and savings account when they wouldnt refund my money or explain why they would do that to me.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX I had went to prison got sentenced to 28 months in d.o.c.. I had XXXX XXXX XXXX XXXX  dollars in my savings account that I did not give anyone permission to use my account or withdraw any money from my savings account.. XX/XX/XXXX I got released from prison I get out XXXX to bank my account was closed and no money in my account?? So I talked to numerous people including managers and they said they can see were I had money in my account and it was closed I said I went to prison on XXXX XXXX XXXX and never touch down on the streets till XX/XX/XXXX so how come my savings account is closed and I have no money in there so they did some digging and found were someone has withdrawn all my money out and put it in a whole niether account with out my permission thats fraud XXXX put my money in a bank to be safe and they let someone else take all my money out and closed my savings account with out my permission so I tryed for XXXX long months to get my money back they said they was not gon na give me no money they declined my problem..
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (CA)

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from XXXX  ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX XXXX XXXX Please help me, what should I do to get my funds back. Should I go and report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX? Can they be trusted?
Consumer complaint received 2022-12-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NC)

Caliber Home Loans and I have gone back n forth trying to get this handled. There seems to be only one remaining erroneously filed lien by Caliber with HUD. This last one we need to see satisfied is loan # XXXX .... MIN # XXXX ... XXXX XXXX # XXXX partial lien in the amount of {$18000.00} OR XXXX XXXX pg XXXX on XX/XX/XXXX We have been working towards correcting Calibers mistake from XX/XX/XXXX since the middle of XX/XX/XXXX when it was discovered during closing month XX/XX/XXXX by title company. Title company is holding back XXXX in funds owed to me due to Caliber 's erroneously filed lien mentioned above. They have promised to try to fix this. even said they included a VP to try to help. Not that I can speak to anyone beyond their XXXX team. And no one is owning this mistake. its not just a balance owed. I am a person trying to close this loan out. trying to move forward, and yet bc of an error that Caliber will not correct with HUD, I can not.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've had a number of difficulties with Capital One rejecting charges that I pre-approved so on XXXX XXXX XXXX I called to cancel my card. I had previously applied all remaining rewards to my balance and paid off the balance in full, which is my normal monthly habit. 

After going through the validation procedures with their agent, the agent informed me that once I closed the account, I would be barred from reopening it. I found this odd, but I had no plans to reopen the account and said that is fine with me. 

The agent then said I had {$1.00} remaining in cash rewards. I said that was odd because I had redeemed all of my awards prior to making my payment. I first said that they could keep it, but the agent said they would mail me a check ( to the address on my account ) and I said that would be fine. 

However, the agent then said that she needed to do some additional verification steps in order to send me the check. The verification step involved sending me a code over the phone that I would have to repeat to her. I said, I'm on the phone with her and have no other phone to do that. I asked if she could send it by email and she said no. I asked if I could hang up so then could send the code and she could call me back and she said that wasn't possible. She then said I could send them a copy of my drivers license and some other forms of identification. After much frustrating discussion, I asked to speak with the supervisor on duty and was transferred. 

I explained the issue and asked ... ... ... .if you were satisfied with my verification to close the account, I don't understand the need to do an additional verification in order to mail a check for the rewards balance. She did admit that it didn't make sense to her either, but that is the company policy. 

The conversation ended with my advising/stating that I would be filing a complaint with the CFPB. 

Now, all of these credit card companies will gladly open an account online with instant approval. There are no hoops to jump through. Their policy of additional verification is a deceptive trade practice ... or a practice to attempt to coerce someone to keeping the account open.
Consumer complaint received 2023-06-22
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX/XXXX  # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX. # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.