davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX closed my XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

I see a collect debt on my credit report from XXXX XXXX XXXX, from original 01 XXXX XXXX XXXX. 

I reached out to the collection agency, but the issue has not been resolved.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

Charged over {$1100.00} by Synchrony Bank Ashley Furniture Credit Card for a credit protection program that I did not sign up for. Called the company at XXXX was told by a supervisor named XXXX that I could only receive a partial refund because I didnt cancel before the 90 day cancellation period. I never signed up for the program. The company is committing fraud.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WI)

My name is XXXX XXXX, I have submitted several complaints against Wells Fargo Bank. 
Wells Fargo has sent their response. They thoroughly investigated my complaints. They deposited the money from the unauthorized accounts back into my accounts. They also stated that to close my accounts, that I have been asking them to close for months now. I could go to ANY branch and have them closed. They will not be paying me any restitution for all the damage they have caused me. END OF STORY. COMPLAINT CLOSED. 
Today I went to Wells Fargo to withdraw all the money out of my accounts ( Wells Fargo is now charging me a service fee for my accounts ) I asked to have my accounts closed. NOPE cant do that. I have to make an appointment with a banker to have this done. I also had them print a receipt for all my zero accounts. Guess what? The account that Wells Fargo has told me they refunded my money they stole from me. That is not my account. Does not exist in my accounts. Soooo where is the money that was refunded to me? 
Again, Wells Fargo has lied in every response that has been given to the CFPB. They have and still are stealing my money and NOONE is helping me. I am still living with the identity theft they are still enabling and they gave my refunded money to someone else. 
XXXX XXXX XXXX
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (MI)

I called with my new mortgage provider about a month ago to get a letter that shows the loan as closed and they said I would get a letter within 10 days. I never received the letter. I called again on XX/XX/2018 at XXXX and they said I would received the letter within 72 hours. I still have not received the letter. 

I just spoke with my lender and it was suggested that I file a complaint and then call them again. 

This is going to hold up getting my mortgage finalized and I need the letter.
Consumer complaint received 2022-05-03
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MN)

The servicing of my loan was transferred to Suntrust from my previous loan servicing provider. My understanding is that Mortgage companies have a legal obligation to protect consumers during loan transfers between mortgage servicers. That means paperwork should not be lost and servicers should not lose track of a homeowners loss mitigation plans : however that has not been the case in my experience with Suntrust. Over the course of 8 weeks I've attempted to get my remaining monies from a loss claim that has been repaired and been told that I need to provide paperwork that I've already provided to the previous loan holder. Suntrust could not even confirm the amount that was still owed to me ... I received a call from them telling me they had resolved the missing information and mailed the check ... 3 weeks later when I called back in, as I had not received the check as told, I was informed again that they didn't know the amount I was speaking of and would need to send all initial paperwork to them and they would not reach out to the prior mortgage provider to get it. As a customer and mortgage holder I should not be collateral damage in the transferring and selling of my loan the Banks ' all make money on this sale and I at the end of the day feel I have been impacted negatively by it and still have yet to get the additional money that is owed to me. Suntrust needs to make this right.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I opened a checking account with a Chase National Bank in a branch in XXXX, Arizona. They checked my credit and found I had a good credit score, so they opened a checking account and issued me a debit card. In order to forego the monthly charges for this checking account, the Accounts Manager suggested I allow them to notify Social Security ( SS ) and have them automatically deposit my checks into Chase 's account. I was warned, there would be a delay in receiving my Social Security checks into this new account. I was also advised this is normal with the Social Security Administration and not to look for my money in this new account for about a month. 

In addition, I had XXXX XXXX automatically deposit the royalties I received from a book I wrote, copyrighted and published in XXXX of XXXX. I was having my royalties electronically sent to my checking account with XXXX however, unbeknownst to me at the time, XXXX did not authorization to receive these royalties, under the Federal Reserve guidelines for International ACH Transactions ( IAT ). Chase Bank has this authority to receive International ACH Transaction ( IAT ). I only recently became aware of XXXX 's shortcomings. So, in XXXX of this year I opened a checking account with Chase because they are located about four blocks from my residence. Four years of not receiving royalties has been very frustrating for me. 

On XX/XX/XXXX, I received a letter from Chase advising me that, " after careful consideration '', they will be closing my account on XX/XX/XXXX. Other than their " careful consideration '', there was no justification for them to take this action. 

I answered their letter explaining, that if they didn't want me to have an account with their bank, they should have not allowed it to be opened in the first place. By opening this account and at the advise of their New Accounts Manager, changing my Social Security deposits to Chase Bank eliminates the monthly service charge but would take approximately up to a month for this to take effect. This would not be a problem for my SS check would still be sent to XXXX. 

However, cancelling my account abruptly this way, without allowing enough time to notify SS of this change, I do not know when or how long, SS would be able to get my checks to me. I may have to wait months until it is restored. Chase Bank had no justification to arbitrarily and capriciously close my checking account and put my SS check beyond my reach for an unknown period of time. I am XXXX years old and I need my Social Security money to survive.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXXXXXX, US DEPT ED
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP (CA)

I have a debt on my report that is not mine. I disputed the issue but they are saying it will remain. 
It is from an apartment complex that only gives an address. No name. XXXX XXXX. The number provides, no one answers.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: NAVY FEDERAL CREDIT UNION (NC)

XX/XX/XXXX a purchase was made with my prepaid card for XXXX for a XXXX XXXX reservation. I never stayed there nor did i make the purchase. I contacted navy federal on the XX/XX/XXXXwhen i discovered the charge and was given a credit temporarily. They then took the credit back and told me to contact the merchant for a refund and they refused to refund me and told me to contact my financial institution to be refunded. I shouldnt be charged for a purchase i did not make.
Consumer complaint received 2018-08-01
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. (MD)

I was a victim of the DATA BREACH FROM EQUIFAX ... and a major victim of identity theft ... and to be honest with you XXXX and XXXX XXXX great, they helped resolve all the issues I have had as a result from the DATA BREACH. EQUIFAX is still reporting fraudulent information and I have a 200+ credit score difference with Equifax .. I disputed this account for over 2 years now ... have police report from Washington DC and they still report it, ... I Dont know what to do because so much of my credit file that was me is now gone and all that is left is the FRAUD with Equifax and I can't get rid of it ... There is literally 5 closed accounts of mine that have been deleted or removed from all 3 agencies.
Consumer complaint received 2018-08-01
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: HYUNDAI CAPITAL AMERICA (PA)

Since XXXX of XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
Consumer complaint received 2022-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

FORECLOSURE AND ACCELARATION HAVE BEEN INITIATED -- -I HAVE REACHED OUT TO FLAGSTAR PRESIDENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IN AN EFFORT TO GET INTERNAL ASSISTANCE - WRITING TO HIM AT CORPORATE IS USELESS. I APPLIED FOR ASSISTANCE FROM TEXAS HOMEOWNERS RELIEF - XX/XX/2022 FLAGSTAR XXXX STATEMENT DATE SHOWS I OWE {$30000.00} - ON XX/XX/2022 - A FLAGSTAR XXXX STATEMENT DATE SHOWS I OWE XXXX - ( 1 MONTH - INCREASED BY {$9000.00} PLUS ) HOMEOWENERS ASSISTANCE PAID FLAGSTAR {$32000.00} DOLLARS IN XX/XX/2022 -- I HAVE BEEN PAYING MY MORTGAGE PYMT EVERY MONTH SINCE XX/XX/2022 -- EVEN BORROWED XXXX XXXX  TO PAY THE {$2000.00} PLUS IN ESCROW SHORTAGE PER FLAGSTAR LETTER -- XX/XX/2022 STATEMENT SHOWS I OWE {$8400.00} THE PAYMENTS I MADE SINCE XX/XX/2022 WERE NOT APPLIED BECAUSE THEY ARE APPLIED TO THE DELINQUENCY AS PER FLAGSTAR. THIS MORTGAGE CO IN CFPB # XXXX HAS A DECEPTIVE HISTORY OF WRONGDOING WITH CONSUMERS ACROSS AMERICA -- I AM HAVING TO BORROW XXXX XXXX TO PAY FOR A FORENSIC AUDIT OF THE MORTGAGE DOCS WITH FLAGSTAR- I HAVE FILED 2 PREVIOUS COMPLAINTS WITH CFPB AND THOUGH FLAGSTAR RESPONDS WITH THEIR LIES- WHY DOES CFPB BELIEVE THEM? I HAVE 9.4 HOURS OF RECORDING WITH FLAGSTAR REPS -- LIES LIES LIES-
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

Dear EQUIFAX : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.
Consumer complaint received 2018-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX  I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work
Consumer complaint received 2022-05-03
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. (GA)

I am a victim of identity theft afterI lost my wallet on. XXXX XXXX XXXX and I was also a victim of a few data breaches including the XXXX data breach. I have multiple unauthorized accounts on my credit reports, and every time I dispute with the credit bureaus, the accounts always come back as updated. XXXX and XXXX have deleted some of the accounts, but experian always deny to investigate my dispute properly. Their website states it takes 30-45 days to dispute fraudulent accounts, but they always investigate my disputes under 30 days and just update the accounts. I have reached out directly to the creditors to dispute, but I wanted to file a complaint against mainy experian, and and the two other bureaus. What do I do? Also the last four social experian has for me on their site is wrong it doesn't belong to me. I have disputed that as well, and some addresses I never have been associated with, but it never fails, Every time they they update my accounts after my disputes.
Consumer complaint received 2022-05-03
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: DISCOVER BANK (FL)

Hello, I was checking my credit score I had seen it went down. I seen 2 new credit inquiries with 2 different finance company/bank, XXXX XXXX and XXXX. I never opened an account with them the only account I have is with XXXX XXXX And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with XXXX XXXX also which was not me. I want these accounts closed and I want this to stop from now on.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On the XXXX of XX/XX/2021 I tried to get into my account and it logged me out so I tried to log back in and when I did it said that member services had suspended my account before suspicious activity so I called them and they want copies of driver 's license and a piece of mail with my name and address on it so I take them and I send them to them then I don't hear anything out of them for quite a while so I call and it just keep giving me the runaround and I can't get access to my money
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

My Mortgage ( with my escrow account ) was sold to Wells Fargo 8 months ago and they have been mismanaging it ever since. I would like to get compensated by them for costs I incurred and time wasted due to their mismanagement.

-Wells Fargo didn't pay my property tax on time, incurring a {$45.00} late fee that came out of my escrow account -Wells Fargo didn't process the insurance document I provided them ( a few times ) and that caused them to buy supplementary insurance policy for {$1400.00}, which later they refunded to my escrow. Dealing with that took me close to two hours on the phone with them -Wells Fargo is miscalculating my insurance costs, resulting in my monthly payment being {$300.00} higher than it should be -Wells Fargo phone agent are providing very low level of service, most calls result in them needing to further research but they never follow up as they promise to. This results in me having to call many times.

-Wells Fargo refused to cancel the escrow on my mortgage. Despite the fact I made multiple requests to manage my own tax and insurance payment, in light of their severe incompetence in managing my escrow account
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

XXXX, has not credited my XX/XX/XXXX payment. I have sent them numerous " proof of payment '' from my bank.I have never been late with a payment since doing business with them. I did, however short them in XX/XX/XXXX and XX/XX/XXXX because I did not realize they had raised my house payment amount. Which I sent to them in XX/XX/XXXX ( the shortage amount plus a late fee. ) One day they say : not received XX/XX/XXXX payment and sometimes they make it a current like XX/XX/XXXX. NEVER HAVE I MISSED A PAYMENT OR BEEN LATE WITH A PAYMENT!

this process has been ongoing since XX/XX/XXXX. The complaint file # they have for me is XXXX. They ask that I use this number when inquiring about this issue.
Consumer complaint received 2018-10-08
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. (MD)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK (MO)

I TOOK OUT A CREDIT CARD WITH DISCOVER IN WHICH THEY STATED THAT THEY WOULD LOWER THE INTEREST RATE AFTER A YEAR AND FRANKLY ARE LYING TO THE CUSTOMERS AND THEN THEY GIVE YOU A SHORT PERIOD OF TIME WITH A LOW INTEREST RATE AND THEN IMMEDIATELY GO STRAIGHT TO THE HIGHEST INTEREST RATE THAT THEY CAN CHARGE.

I RECEIVED A XXXX XXXX CREDIT CARD WHICH THEY ADVERTISED A 0 % INTEREST RATE AND THEN WHAT THEY DO NOT TELL YOU IS THAT YOU CAN NOT TRANSFER FUNDS WITH THAT GOOD INTEREST RATE. AT LEAST THATS WHAT I WAS TOLD TODAY. A WEEK AGO, IT WAS A DIFFERENT STORY.

TRUMP HAS GIVEN THESE CREDIT CARD COMPANIES FULL REIGN AND WE ARE SICK OF THEM ADVERTISING THINGS THAT ARE FRANKLY FALSE ADVERTISING AND LYING TO T HE CONSUMER. THIS NEEDS TO BE INVESTIGATED. THE INTEREST RATE AT DISCOVER IS CLOSE TO {$90.00} PER MONTH AND I PAY WAY MORE EVERY MONTH AND THEY JUST KEEPING RAISING THE INTEREST RATE, WHY, BECAUSE TRUMP SAID THEY COULD AND SO HELP ME GOD COME XX/XX/XXXXTHE REPUBLICANS ARE OUT AND TRUMP WILL BE GONE. I AM DONE WITH THIS FALSE ADVERTISING AND THE ALL CORPORATIONS ARE DOING IT AND WE ARE XXXX XXXX  SICK OF IT. I'M PUTTING THIS INFORMATION OUT ON XXXX   AND XXXX BECAUSE THESE CREDIT CARD COMPANIES ARE OUT OF CONTROL AND NEED TO STOPPED.

I AM SICK OF CORPORATIONS LYING BECAUSE THE PRESIDENT DOES EVERY XXXX DAY. HE DOESN'T KNOW HOW TO TELL THE TRUTH AND ITS DAMAGED THE PEOPLE IN THIS COUNTRY AND HE WILL GO BY IMPEACHMENT OR BY CRIMINAL ACTIONS OF HIS OWN DOING.
Consumer complaint received 2018-10-08
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. (MD)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously