davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

I have witnessed the worst experience of my life facing a serious of problems with Transferwise.com. It has not only cost me financial loss but also my reputation. I have been a customer for almost a month. My documents were not verified for 3 weeks despite countless calls and several emails. The worst thing, i couldn't even withdraw my money into my own account. Neither i can send personal transactions of large amounts just because i accidentally applied my business account during signup. There were days when i had to call even thrice. I couldn't make a purchase from my own money and i seem to stuck my funds with transferwise. They have the worst customer service one can ever imagine with csr telling you they can't do anything. It is what it is so don't bother dialing their support phone. Their verification department seems to be in hibernation or somewhere in XXXX where you have to wait for days for your turn. You get 1 email and then another number of days. Finally they disabled my account which i am sooo thankful for because i was just so frustrated of all the wait. After all this : I am still waiting for my funds to clear out. I have sent them 2 emails and 3 calls in last 24 hours. 1 agent seems to say one thing and other agent seems to say another. Also now they are dropping my calls without any explanation. 
Account number : XXXX
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Tower Loan of Mississippi, Inc. (WA)

im trying to get a vehcle with my info ssn, i, d but they denied my order i dont know why i really need it for my wedding ceremony its a loan of {$2400.00} pls help me get it done i trust you and really believe in you im really sure you will help me out i will give you info you need to get it done just get it done please
Consumer complaint received 2019-09-26
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: WELLS FARGO & COMPANY (TX)

XXXX did not report correctly. I did pay XXXX XXXX XXXX on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX also did not show report on Wells Fargo Auto. I also did pay on time. Last pics are of Wells Fargo Auto report. 

XXXX  scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass ( the Bank ) refused to provide me with substitute checks copies for your XXXX Checking Account ( # ... XXXX ). 

A certain number of checks were paid out of my account but the Bank will not provide me with copies of the cleared checks. I have also requested all of my funds currently being placed on hold/restricted/or otherwise be release to me immediately every single time I make callas to BBVA. 

Bank records show the XXXX Checking Account ( # ... XXXX ) in question was charged off on XX/XX/XXXX with a balance owed of {$230.00}. You also had two other deposit accounts ( # ... XXXX and # ... XXXX ) which were charged off on XX/XX/XXXX with balances owed of {$1300.00} and {$15.00}, respectively. Between XX/XX/XXXX and XX/XX/XXXX, a total of thirteen ( 13 ) checks were presented to this account ( s ) ( # ... XXXX and # ... XXXX and XXXX and were all allegedly returned unpaid. 

The checks that were presented to the account are as follows : XX/XX/XXXX Check # XXXX {$59000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$55000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$60000.00} XX/XX/XXXX Check # XXXX {$11000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$5000.00} XX/XX/XXXX Check # XXXX {$27000.00} XX/XX/XXXX Check # XXXX {$9800.00} On the memo portion of the checks, it states either for setoff and adjustment or Paid in full, for setoff/adjustment. 

Lastly, some checks appear to be electronically generated via computer with the routing number and account number for BBVA Compass but have the financial institution name listed as XXXX XXXX XXXX which were remitted in error and explanation given to XXXX at BBVA. 

Notice is hereby given that BBVA has forbidden me from ever entering any bank location. Ever! 

" Due to your behavior during one of these visits to the XXXX XXXX Banking Center on Tuesday, XX/XX/XXXX, the Bank has made the decision to revoke your privilege to enter and/or contact any BBVA Compass property. Contacting includes, but not limited to, telephone calls, emails, and social media direct messaging. Further appearance and/or contacting shall be considered trespassing and/or harassment, and the Bank will seek all remedies within its power. A No Trespass/No Contact Notification Letter with this information was sent to your address of record on XX/XX/XXXX. A copy of the No Trespass/No Contact Notification Letter is attached to the CFPB portal for your review. "
Consumer complaint received 2019-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BBVA FINANCIAL CORPORATION (OK)

I continue to be late due to my due date. I've requested in writing per their customer service that my date be moved to the XXXX. It's been rejected and the reason I'm told it's rejected is because of late fees and not being current. Well, I can't get current because as I've explained in the letter to them I get paid on the XXXX and the XXXX. My rent, loan, electric, water, and gas are all due on the same day. I will never, not ever be able to pay all of this on the XXXX. So even though I've explained this over and over they continue to leave it and hit me with late fees.
Consumer complaint received 2019-09-26
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I purchased a used truck at XXXX. At the time of purchase, I was told the payment will not be due until 45 days from the date of purchase. I did not know the first payment was due 30 days from the date of purchase until my credit score dropped. XXXX told me a lie about my first payment being due and now I have a late payment on my credit report which has affected my score. I spoke to J.P. Morgan Chase bank about the late payment and they told me there is nothing they can do. I contacted the credit bureaus and was told I have to contact the lender ( J.P. Morgan Chase Bank ). I  informed credit bureaus that I already spoke with the lender. So now I'm stuck with the first late payment on my credit report which I genuinely care about. I just want the late payment off my credit reports as I been requesting.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (PA)

Yes have a XXXX card. I use all time. I had original XXXX limit. Yet i was on time and doing all i can. I had the card awhile. Yet i ask for up in credit limit. I was denied which is ok. What really gets me is the lower my limit by XXXX. Now only have {$100.00}. Which is totally unfair. How can one do that when they already approved you and your account was current. This totally unfair and bias. I told them and didn't care. Even talk to them how i know someone worst off then me and you denied him also for increase but never lower the limit that he had. They didn't care. Weren't helpful. Not good customer service.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have submitted two claims one for XXXX and one for XXXX. My bank is holding the charges. I have talk to the the company and they have investigated the funds that are missing and they do not have it. Bank of America has given me multiple dates on when i will get my funds. They have not issued a temporary credit.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NC)

I received a Brinks Prepaid Mastercard in the mail today with my name on it and an account number, and I never applied for one! 

I have no idea if someone else applied for this using my personal information or what, or if this is a really bad marketing ploy on their end! Either way, I think its wrong and Im really worried something bad is going to happen. 

Can you please help me? 

Thank you. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank approved me for a {$300.00} limit XXXX XXXX card. I haven't used for a little since waiting to use it. They closed it cuz i didn't use it a lot. Which isn't fair. Now told me apply again but won't let me get it. Due to me rebuilding my credit. I think it is totally unfair that they closed it when wasn't misusing it. No real explanation. Cant believe cards companies do this. When people trying to rebuild credit. No real talk. Not professional.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (LA)

I pulled up my credit report this afternoon to surprisingly see that NCA a/k/a National Credit Adjusters was reporting a collection on my credit reports since XX/XX/2020. NCA alleges that I owe them {$700.00}. I called them this afternoon to try to find out who they were and what they were trying to collect on. They told me they purchased the alleged debt The XXXX  XXXX XXXX  and that they mailed notice to the address that they received from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have never lived at that address and I do not know where the original creditor would have even got that address either. I asked how I could get this off of my credit report and the lady told me that they do not delete. This is unfair and I do plan to take this matter up in court as they have never contacted me and have been reporting inaccurate/unvalidated information on all three of my credit reports to the detriment of my credit history unbeknownst to myself.
Consumer complaint received 2019-09-26
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. (TX)

Experian did not report correctly. I did pay XXXX XXXX XXXX on time in XX/XX/XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XX/XX/XXXX. I did pay on time! 

Experian also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with Experian as they require me to call. It s plm using interpreter due to unclear screen. Best is to be dibe thru online. Experian has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.
Consumer complaint received 2019-09-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

I reside at XXXX XXXX XXXX XXXX XXXX Ca XXXX We have 2 mortgage one we stop paying when the value of the house came down since my partner has passed away the title of the house was granted to me by the court, the loan is under my mother in-law but she has never Paid in ti=o the house, Now that the second loan has reached out to me I have been trying to fix the matter so my self and my XXXX children don't loose the house. 

The company at one time was XXXX XXXX that company has closed the account and has handed it over to SN Servicing Corporation I have been in contact with a lady by the name XXXX XXXX Account Representative I have explain to her that now I am on title of the house and I want to get the house out of default she has asked me to make a good faith payment non th e amount of {$1000.00} and {$370.00} a month for the next 6 month at that point I tried to get the money but was not able to asked for if the could give me a month to get the money. 

Then I was told that the amount we spoke of was no longer accepted now it hat to be {$14000.00} and a monthly payment of {$400.00} I only had {$1200.00} and I mailed it out with a note that the {$1200.00} was all I had and that I would make the payment of {$400.00}. Since then they have cashed the check and now that I have asked her to give me a statement of the payment I made Mrs XXXX says now the investors don't want the payment that I send. 

Well they cashed the check and now she says they don't want it I was told that this is a Purchase Money second loan and that I would be able one to get it taken off or come to a agreement with them and that is what I am trying I at no given time have told them I don't want to pay much less loos se the house my children have lost there mother and this house has sentimental value to them and I am trying really hard to keep the house not only because we bought the house back in XX/XX/2006but for my kids memory in this house I am reaching out to you for help in ny way your company can Thank you XXXX XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been given papers of a court filing for petition for revival of judgement. debt was from XX/XX/2009. at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IL)

I have been given papers of a court filing for petition for revival of judgement. debt was from XXXX at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.
Consumer complaint received 2019-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (CA)

I have been trying to dispute false information on my credit reports now for almost a year. The most recent letters I have sent were on XX/XX/2021. To this day over 30 days later I have not received a response yet. Equifax, XXXX, and XXXX  are reporting false and misleading information on my credit. This is in violation of the FDCPA section 807. These false items are preventing my family and I from being able to move forward with our life 's. Not only are they reporting bankruptcies with false information, they are reporting negative accounts that should have been removed due to the bankruptcy. My rights as a consumer are being violated and I am highly upset. It has been over 30 days since my most recent letter the the bureaus and I have not gotten a response. This has been going on for almost a year now. This is completely unacceptable. I demand the following items be deleted from my credit reports. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

In XX/XX/2018 I received a letter from XXXX 's subservicer Nationstar about a {$79.00} delinquent property payment, which I promptly paid. Regardless, and without my permission Nationstar set up an escrow, and started paying my property taxes for me, more than doubling my mortgage. i had signed, and paid for, a waiver to not establish escrow. 

Since XX/XX/XXXX, I have contacted Nationstar numerous times to inquire why they set up the escrow and how i can stop it. 

In XX/XX/XXXX Nationstar informed me my county had requested the escrow. I called the county who denied they contacted Nationstar. 

Nationstar continues to deny they made a mistake and insists on the escrow. They also insist on a $ XXXX " comfort payment, '' which is tantamount to extortion. 

Nationstar has lost three lawsuits in California, New York and Massachusetts, respectively, for consumer fraud. 

Nationstar had no basis for setting up an unwanted escrow and their activities vis a vis my account can only be viewed as a scam. 

At one point, one representative said I could get rid of the escrow if I paid {$1700.00}, he was unable to tell me what that was for. Another representative later told me to forget about that offer.
Consumer complaint received 2019-10-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Comerica (WV)

I get my child support from XXXX on a Direct Express card. 
This month I can't access anything. 
They say my card is invalid. I try to use my Social # and they say it's invalid. 
No one will answer the phone. I've tried numerous times, for more than 45 min., no one answers.

I called Social Security and they say I have to talk to Direct Express. 
I've called every affiliated company and they all say contact Direct Express. 
Please help me.
Consumer complaint received 2019-09-26
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: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. XXXX XXXX   CONSUMER ID NUMBER XXXX
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (IL)

I am requesting a refund for a temporary Serve card. Per the cardmember agreement, " By signing or using the Serve Temporary Card, you agree to be bound by these Terms and Conditions in their entirety. Should you wish not to be bound by these Terms and Conditions you must, prior to using the Serve temporary card, request a refund of the value of the Serve Temporary Card by calling Customer Service. '' Unfortunately due to no fault of my own I am unable to register this temporary card. As such, it is no use to me and I am hereby rejecting the terms and conditions and requesting a refund in accordance with the terms above. I have already contacted customer service, who refused in any manner to process this refund. 
The card is unused and therefore in full compliance with the conditions required for a refund. 
In addition, I am requesting refund of the {$7.00} monthly fee that was auto deducted from the card balance. 

I can be reached at XXXX or by cell at ( XXXX ) XXXX.
Consumer complaint received 2019-09-26
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. (HI)

I have contacted XXXX and Equifax twice to dispute old credit information on my credit report, including things that are 8 years old and the state the credit was acquire in only allows that information to be reported for 6 years, but yet XXXX will not remove it from my credit file. There are closed accounts from XX/XX/XXXX-XX/XX/XXXX, they will not remove, no matter how many times I dispute them. I have several fraudulent inquiries that I have reported to them as well, I even have fraud alert on my account and they still will not help.