davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-16
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. (IL)

I AM IN DIRECT VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO 15 US 1681 INACCURATE ITEMS SHOULD BE REMOVED FROM MY CREDIT FILE RIGHT AWAY AND XXXX, XXXX AND EXPERIAN HAS VIOLATED THOSE RIGHT. I AM RREQUESTING ALL OF THESE ITEMS IN MY AFFIDAVIT BE REMOVED WITHIN 15 DAYS.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (WA)

2 yrs ago I went through the partial release of my property. A home was built on the portion that was released by my mortgage company. We are now trying to close on the property and when the title was pulled it was discovered that the mortgage company used MERS to sign the reconyence, which evidently is not allowed. My loan officer, my escrow company and myself have made several attempts to the mortgage company to correct their error and they have even made instructed them how they can correct the error as it seems no one seems to understand how and they are not correcting the error. We explained to them this is time sensitive and it has now been 3weeks with no resolution to the issue. I feel like my hands are tied and at the mercy of my mortgage company and to talk to a supervisor is impossible. The mortgage company is PHH. This situation has placed me in a financial hardship and great physical distress.
Consumer complaint received 2023-03-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Essential Lending Inc (UT)

On XX/XX/2023 a debt collector from XXXX XXXX XXXX called regarding an online payday loan from Wise Loan. I informed him that i currently have a garnishment and he replied for me nit to mention it again in the call because he would not be able to help me futher. He stated that he recieved my file XX/XX/2023 and did an investigation and did not see that garnishment as he is not allowed to make payment arrangements with an active garnishment. I ended up setting up a payment arrangement which failed due to not having the funds. I ended up having 2 garnishments active by the time that payment was to be made. He has called and text and I have requested to stop advising I have 2 garnishments and no money. Today, XX/XX/2023 XXXX XXXX  MST he called and I just said " if this is a collection call pkease stop as I jave 2 garnishments in place. '' In which he proceeded to talk and I hung up. XXXX called right back and i answered requesting his supervisor. And he replied : Why? I can call every day until this case goes further. And I hung up.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

After i paid this debt, i called the company to ask that the payment cleared and when the mark would be removed. she mentioned that they dont do this, i mentioned that i have it in written documentation and couldn't respond to the issue. 

i have attached a copy of the email communication i received from the company indicating deletion of the mark in response of payment
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX I paid my {$950.00} balance in full and on time as usual to XXXX XXXX Comenity Bank and it STILL has not been credited to my account. I never had a problem until then and have recently provided them evidence of successful payments as far back as XX/XX/XXXX utilizing XXXX XXXX online XXXX XXXX. I followed their dispute procedures providing adequate proof of payment and 90 days to the day of allowable length of time to resolve the dispute they claim they still can not locate my payment. 
I had a lengthy 3-way recorded phone conversation on XX/XX/XXXX with a Comenity customer service supervisor with a XXXX XXXX representative also in attendance. 
The Comenity supervisor indicated that the payment was likely lost when Comenity transferred over to their new system around XX/XX/XXXX which likely failed to recognize my old account number in use until then, but it did not return the funds to XXXX XXXX, they dissapeared. She also indicated that since that is the case, I should be credited for the payment, reimbursed for the late fee and any interest accrued since I continue to make minimum payments on the disputed amount to preserve my excellent credit. Despite acknowledging responsibility through her explanation, she inexplicably demanded that we call back and file yet another dispute, wait another 90 days and insisted my only proof of payment remained inadequate. I have provided all the evidence of payment available to me through their website and have mailed the same to their address in XXXX Ohio. Their is no check image since the payment was electronic indicating Paid. Additionally, several Comenity customer service representatives cited their system transfer or changeover issue as the reason for my lost payment back in the Fall when I initially tried to resolve this earlier before filing the failed dispute and encouraged me to give them several weeks to resolve their issues. I'm still waiting.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Like 140 other million Americans, Equifax failed to protect my information. 
I signed up for the credit freeze service. 
I would like to apply for credit. 
Equifax has decided to use this as an opportunity to sell new services. 
When I follow a XXXX search to unfreeze my credit, I am taken to a page for myEquifax. 
I have to give them my private information before I can sign in to my account. Not safe. This is unlike any other situation with financial institutions, where you can only give out your info inside an encrypted account - often with double authentication. 
Once I give all of that info, it says " get a new account. '' Thus - their XXXX search responses are taking me to the wrong place. 
I have worked to unfreeze my credit twice, each time for over an hour. 
I can not get credit because of Equifax.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019, I paid {$2600.00} which left a balance of {$120.00}. Today, XX/XX/2019, Capitol One added {$43.00} interest charge to my balance. I asked why and they said it was based on last months purchases. They can see I made a huge effort to pay and I'm furious they added this fee.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute of these accounts on Transunion : XXXX XXXX  error Needs attention {$280.00} XXXX XXXX  error Needs attention {$240.00} XXXX XXXX  error Needs attention {$200.00} XXXX, XXXX error Needs attention {$110.00} These are all medical debts under {$500.00} and are the result of bad billing practices and errors by the staff at the medical clinics who failed to bill the VA. These appointments were direct referrals for fully covered VA XXXX to see outside doctors closer to my home. My VA insurance covered these appointments 100 % as they are in-network doctors. However, the clinics have my XXXX XXXX XXXX XXXX XXXX insurance card on file as well and they billed the wrong insurance then sent my copays to collections. I have tried to work this out with these companies and the medical offices. The claims have been filed with the VA and these bills are PAID in full!! 

The collections have been removed from XXXX and XXXX after their investigation so Transunion should have removed them too!
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I asked to close this account on XX/XX/17 while keeping other Thankyou Points cards open. I just logged in and found that XXXX points were forfeited due to this closure since points expire 60 days after closure. This was never disclosed to me at any point during the call and I certainly wouldn't have closed the account if this was going to happen. This is not a policy with any other card issuer if you keep at least one account that earns the same type of points open. I expect that these be reinstated or I will transfer all my business to XXXX XXXX, who doesn't play games like this with their XXXX XXXX. The card was an XXXX XXXX XXXX XXXX XXXX card ending in XXXX.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XXXX XXXX I opened a simply right checking account online with Santander Bank because of a promotion being run for a {$150.00} bonus. As per the terms, my account has been open and in good standing for more than XXXX days and I have funded said account in excess of {$500.00} through direct deposit. As per their terms, the bonus would be credited within 30 days if all terms were met. I have met said terms and contacted their customer service by phone 7 times and email once. I have been told multiple times that it would be credited on a certain date, and it still has not.
Consumer complaint received 2019-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (OK)

I no longer have access to transaction details on my account nor am I able to see the escrow balance. I was told that it was due to me being in an active bankruptcy. 

My mortgage payments are up to date and bankruptcy should have no bearing on my ability to see what is going on with my account. There have been numerous occasions where my payments were not applied appropriately. I am currently waiting on money to be moved to my escrow account that was paid to M & T on XX/XX/2019 ( {$1200.00} was for my mortgage payment and {$2100.00} was for my escrow account ). I have called 3 times to get this taken care of. The amount of {$2100.00} was a refund from a previous home owners insurance company. I was able to catch this because for several months I had access to online detailed account information. The money was placed in a suspense account when I clearly specified online where the money should go ( there are fields for principal, late fees, escrow, etc. that allow you to enter the dollar amount to apply ).

My escrow account is currently negative because of this. This also affects my monthly payment when the time comes for the escrow analysis. With a negative balance, my mortgage payments will definitely increase.

Trying to call in to make a payment is a joke. It may take 2 days just to reach someone. It appears that because I filed bankruptcy, M & T wants to make it harder so that I get behind, when I was never behind to begin with. My reason for filing bankruptcy had nothing to do with my mortgage or inability to pay.

Not being able to see detailed account information at any time is a problem. I should not have to wait 30 days for a statement in order to catch any errors they may have made. If my payments were applied appropriately each month I would not be as concerned, but, they have.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ID)

Equifax : false, contradictory, and incorrect information on us is sent to potential lender. We don't have access to that information. The credit report that we receive is different than the ones they get. We paid lawyers and a credit repair company to sort this out. Much of what they were able to do for us was dumped back onto our credit report when Equifax was hacked. 
Our personal information has been compromised so many times that we can not trust any information listed there. Our supposed accounts have been sold off to companies we've never heard of trying to get money that we don't owe.
Consumer complaint received 2022-05-06
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX ), 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 2019-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC. (VA)

i am having my wages garnished i never recieved any informaion in reference to this i had tried to established a repayment yrs ago but as student loan debt has been highlighted that companys taking advantage of this sitiation i have had my federal taxes withheld for many yes and still no resolution has been given to me these companies just take advantage of hard working people to fatrwn their pockets with the high interest rate. Consumer do not know who to trust as America Companies are becoming more and more greedy over the American dollars and finding more ways to take from consumers
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Nissan motors is reporting from an account that was opened almost 9 years ago and thus should be removed. 
XXXX is reporting collections for the Nissan account and is double reporting the Nissan account that should also be removed.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo " told '' my Banking Institution about not releasing funds on two checks  deposited into my account. I deposited on XX/XX/19 and my " X '' bank placed a hold " post-deposit '' on XX/XX/19 based on Wells Fargo information. 
Wells Fargo had until the XXXX to respond if funds will be released to " X '' bank. Account holders from Wells Fargo that gave me those checks have had funds taken out from their account posted XX/XX/19. 

It is now the XXXX and nothing has been released. 

Wells Fargo had closed my account after being a customer for 20 years with no reason. 
Now I feel Wells Fargo may be basing these decisions on my ethnicity and gender, and maybe the ethnicity of the makers of checks since we are all XXXX. 

I have been with " X '' bank for approx. 25 years and only have problems with Wells Fargo checks since they closed my account after 20 years. ( 4 years ago. ) I have gone in to Wells Fargo to cash checks. Always telling me to stand aside while they take my ID and wait a minimum 15 minutes only to ask why I was given these checks, and still continue to wait for a " decision ''. These checks are same amount every month. Wells Fargo always makes me feel as if criminal to cash checks. 
Does Wells Fargo have to decide FOR the Maker of check if I am worthy of monies owed? 

Wells Fargo does not want me to cash or deposit checks without making it an issue.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I have two credit cards with American Express, one is a small business card for a sole proprietorship, the other is for a consumer card. 

I have not used one of the cards in ~2 years. The other has been used 1-3 times for ~ {$300.00} over the last two years. 

Since I last used the consumer card I have been charged two annual fees of ~ {$100.00} each or {$200.00} total. I have made zero transactions over this time period. 

On the small business card, I have made ~ {$300.00} in transactions and been charged {$200.00} in annual fees over that same time period. I have not used that card since the most recent annual fee. 

Approximately, a year ago I attempted to close these accounts after being charged an annual fee. I was told about some steps I needed to take first and was steered away from closing the account. 

Today after recently being charged my 4th annual fee since I stopped using these cards I called customer service to have my card closed. I spent 20 minutes on hold/with an agent only to be told about those {$300.00} in transactions which I needed to verify. ( They appeared to be fraud but turned out to be transactions made by my wife ) I called again this morning and was repeatedly transferred for 20 minutes before being disconnected. 

I called a third time this morning and was rerouted multiple times. I told the IVR I needed to close my account, the IVR verified this and then transferred me to member service. When I told them there I needed to close my account they told me I needed to speak to their cancellation department. Why in the world would the IVR verify I wanted to cancel my card and then connect me to a different department. I spent about 18 minutes on this call before I had a meeting I needed to get to. 

To summarize, 3 calls today, 60 minutes on the phone, and a 4th call about a year ago and so far I have been completely unsuccessful in closing either account. As an outsider it appears that Amex 's business strategy is to charge annual fees and make it impossible to close the account.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I sent a duplicate payment to Capitol One bank on my credit card account. The payment amount of {$9100.00} was sent on the XXXX and the XXXX. I contacted both my bank, XXXX and Capitol One. They keep pointing me back and forth and neither will assist me in getting me money back. I have called XXXX twice on XX/XX/XXXX each time they stated that Capitol One needs to refund the payment. I have called Capitol One three times, XX/XX/XXXX, XX/XX/XXXX and XXXX, each time I am told it will take 5-7 business days. It has been 8 business days and the refund has not been processed. Capitol One refuses to give me a reason for the delay. Refused to escalate my request. The Customer Service Supervisor, XXXX, refused to let me speak to a Manager or Director. Refused to contact another department. Refused to give me any recourse on filing a complaint regarding her lack of customer service. It took two days for XXXX to process my payment and Capitol One to receive it, yet after 8 business days they still have not processed my refund or give me a reason for the delay.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I HOLD AN ACCOUNT AND DEBIT CARD WITH SANTANDER. ON XX/XX/XXXX2016 THEY BLOCKED MY CARD WITHOUT NOTIFYING ME AND WITHOUT SPEAKING TO ME. 2 DAYS BEFORE XXXX I GO TO THE STORE AND MY CARD IS DECLINED. I AM EMBARRASED. I CALLED THE BANK AND I WAS TOLD THAT MY CARD WAS CLOSED AND THEY ALREADY SENT ME A NEW XXXX. HOW CAN SOMEBODY TAKE MY MONEY AND MY CARD WITHOUT MY KNOWLEDGE. AM I LIVING IN COMUNIST COUNTRY? OR COUNTRY OF FREEDOM. I CAME HERE FROM XXXX AND GREW UP IN XXXX AND WE DIDNT HAVE TOO MANY RIGHTS. NOW SANTANDER CAN DECIDE WHAT IS GOOD FOR ME WITHOUT ME AGREEING. THEY VIOLATED MY RIGHT. WHAT IF I WAS OUT OF THE COUNTRY AND I HAD NO OTHER CARD???? I WANT TO USE MY MONEY WHENEVER I WANT AND I DO N'T WANT SANTANDER TO DECIDED FOR ME. I AM STUCK 2 DAYS BEFORE XXXX WITHOUT MONEY. I DO N'T HAVE TIME TO GO TO THE BANK. I WORK AND IT 'S BUSY AT THIS TIME OF THE YEAR. I HAVE BEEN TAKEN MY RIGHT TO CHOOSE AWAY FROM ME I CA N'T DO WHAT I WANT TO DO WITH MY CARD AND MY MONEY. THEY BLOCKED AN ACCESS TO MY MONEY. I FEEL VIOLATED AND I FEEL LIKE I HAVE NO RIGHTS WHATSOEVER IN THE EYES OF SANTANDER BANK. THIS IS ALSO UNAUTHORIZED CARD USE!!!!! I DID N'T AUTHORIZE THEM TO TOUCH MY CARD
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

i was hit by a XXXX driver in XXXX and the ambulance fee wasnt paid in time but i was suing the insurance company to get all fees paid so the ambulance fee didnt get paid in time. im trying to get this off of my credit record.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX failed to take themselves off of title with the DMV when they received a payoff on the vessel of {$26000.00} for my XX/XX/1999XXXX XXXX when Bank of America purxhased the installmemt loan from XXXX XXXX. See attachment document as to the specifics of the damage that was caused by this oversight.
Consumer complaint received 2018-07-16
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. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2022-05-06
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!