davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

Complaint XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not have access to CFPB Complaints. So why tell consumer this can of information This Complaint know consists of new evidence that the Bank ha suggested that until some sort of settlement can be reached with Wells Fargo that the monthly privilege of direct pay be cancelled & converted to checking or another service until perhaps a Court Judgment be determined Wells Fargo continues to evade the facts that the Escrow False Narrative that they have created has no basis. 

The attached letters sub titles best describes the financial scheming that Wells Fargo has created that must be reversed as there is no foundation from any Entity from Insurance, Taxes that support the substantial change in TOTAL AMOUNT DUE of {$760.00}. 

Thus in Order to save guard the well being of the homeowners banking assets the Request to discontinue direct/ automatic withdraw as of XX/XX/XXXX must be accepted by Wells Fargo to the address of record. Withdraw without any basis can not be sustained and must stop as of the final withdraw of XX/XX/XXXX. 

In review of the most recent correspondent dated XX/XX/XXXX are old talking points with no basis to include False Narrative of there being a Escrow Shortage leading to substantial increases from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and then onto XX/XX/XXXX, of XXXX that has no collaboration in reality other than a financial scheme that even Legal Aid of Southern Nevada Talk to a Attorney Program typifies as a scheme that Wells Fargo has been unfairly dealing to homeowners for far to long. The Ask A Lawyer Program Attorney further stated that CFPB would be the right place to seek Redress to the False Narrative placed on this Mortgage that again and although redundant is not back by the false statement ( s ) in this XX/XX/XXXX letter in all aspects from Taxes to Insurance. 

The old talking point of the is fragrantly outlined and dragged back and forth into this False Narrative in the XX/XX/XXXX letter that the Applicant failed to provide financial documentation to close on a property ( See Page 2 Paragraph 2, Line 3 & 4 ) There was no such failure and Wells Fargo has to capability of constructing events that would validate this claim of failure.

The ONUS was on Wells Fargo to close and they failed to complete that transaction and that is why the Earnest Money of {$1500.00} was lost to the Seller If not corrected by Wells Fargo with a complete reversal of this " Action '' or the requested sale of this Mortgage then the litigation will be necessary. It should be of interest to CFPB that the Courts are not new to this litigation against Wells Fargo.
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

national credit systems is attempting to collect an alleged obligation on behalf of XXXX XXXX XXXX. national credit XXXX on XX/XX/XXXX sent demand for payment under a 50 % settlement offer. per my knowledge there is no legal binding contract bearing my signature to contract with national credit systems. 
the original creditor XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX renewal was paid in full via the negotiable instrument provided to XXXX during the signing of my lease. per the bankruptcy act of XXXX XXXX gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019. 
Per the debt collection laws national credit system is in violation of the FDCPA, TILA as the alleged debt as been satisfied. XXXX XXXX and National Credit Systems is in violation of XXXX6 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. national system has committed identity theft as no permission was granted to house my personal information within their database
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion reporting credit report incorrect XXXX, false, wrong in 2014 i placed a fraud alert someone was using my information to get credit .today a copy of Transunion credit report enclose shows misleading information and violation under FCRA , FDCPA rules. Transunion is the only company still trying to report this case. 8 months of dispute they still do not report in dispute, date of last payment, claims sold in collection but name not listed, XXXX XXXX XXXX XXXX  XXXX, Section XXXX also FCRA 623 and FDCPA 806 { b } states that the creditor must enter a notice of dispute { no Stated } if this is not entered the account can not report on the account, XXXX   XXXX sect XXXX states you can not report a 3rd party collection legally regardless if the account was sold to, given, traded, anything it is against the law to report it there is an investigation FTC on DSRM this case is against you transunion
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been a Capital One customer for four years and during that time, I have enjoyed my experience with Capital One immensely. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have a one late payments on the above referenced accounts from XXXX  2017. Since that time I have been an exceptional customer paying early every month Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was going through some financial struggles. I recently had a XXXX  and not to long before that I had an accident at work leaving me with medical bills that I personally had to pay due to some misunderstanding between my employers insurance. At only XXXX years of age I am only human, I am bound to make mistakes especially when it comes to finances and credit. I say that not to justify why the payment were late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that XXXX is willing to work with me on erasing these marks from my credit reports.I have been a very happy customer in the past and hope to continue a long relationship with my capital one credit card. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital one has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my account.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

Went to mall and was enticed by sales person to buy a ring that normally was priced at {$4400.00} but that it was listed at 75 % off due to XXXX of XXXX sale they were having. They had me apply for credit. They gave me 2 credit cards for an unknown reason. I only applied for one. This other credit card showed up after the period to return the ring. One was XXXX and the other I can not remember. The total price was supposed to be {$1500.00}. I had to have XXXX so I was out. My husband made the payments to the jeweler until I could get a chance to resolve the issue. When I was health again I went back to the store with the paperwork that I had received. They attempted to say that I had agreed to other charges but they could not provide me any papers that verified this. I did not sign any other papers. I had all papers I had signed and none of the numbers matched. I called the manager, I called the main office. I could not get any documentation of any other charges. I received an inheritance and told them I would pay them the {$1500.00} that the price was supposed to be. They refused and would only accept {$4400.00}. I have sent written requests to validate the debt but I can not get any response. 
They reported all of these accounts on my credit : SYNCB XXXX XXXX/ XXXX SYNCB XXXX All opened XX/XX/17. How would I have taken out a total of {$7700.00} in credit to buy a {$1500.00} ring?
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act, 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 2021-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC. (IA)

I received notice from my bank on XX/XX/2021 that the scammer who helped her accomplice scam me through a domestic wire transfer closed her account after she was ninformed that there was a recall for the transfer since it was sent fraudulently. to her. 
someone at the Centennial Bank in XXXX Ar advised XXXX XXXX to close the account so now i am requesting that Centennial Bank be liable for the {$1000.00}. If they do not send me the money within a reasonable amount of time i will file for prejudice against a scammed customer from one of their customers then i will notify XXXX about what has gone on with this bank Centennial as they are upholding a crook im sure the person in question has opened another account WHATS WRONG WITH THEM GETTING MY STOLEN MONEY FROM THE NEW ACCOUNT.. 

THIS PROBLEM WILL GET SETTLED ONE WAY OR ANOTHER THROUGH NEWS MEDIA 'S HELP OR YOUR WIRE TRANSFER DEPARTMENT :
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NC)

Received letter from TD bank that there was insufficient funds in my checking account. I do not have a checking account at TD bank. They say last XXXX of acct. no. is XXXX. 
XX/XX/22. I called their fraud section.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (CA)

The collection agency is re reporting a debt from XX/XX/2001 as a new debt. This debt was on my credit report for 7 years which is the statue from the credit reporting act. once that expired the company report as a new debt. I have disputed this debt with XXXX, XXXX, and XXXX. The response is inaccurate and a violation of the credit reporting act.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (VA)

There was a pending charge on my Navy Federal credit card on XX/XX/2018 for {$63.00}. 
I called NFCU and spoken with XXXX who stated that they have to wait until it posted before taking any action. She was not helpful as I emphasized that this was an unauthorized charge of {$63.00} for XXXX antivirus subscription renewal that I was unaware of. 
In addition, I never rcv 'd an email from XXXX regarding this renewal. 
I also never rcv 'd any service from XXXX either. 
On XX/XX/2018, I viewed my cc charges on my phone and saw the charge was posted for {$63.00} and no action was taken by NFCU as they said they would do " something '' to remove and investigate this charge. 
I contacted NFCU again, attaching proven emails that I have contacted XXXX   and their 3rd party vendor XXXX. All parties, XXXX, XXXX and NFCU, are not cooperating with my wishes to refund my money and investigate this fraudulent transaction of XXXX..
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Account Services Group, LLC. (CT)

For the past 6 years or so I have repeatedly been contacted by a credit collection company claiming very vaguely that I have not responded to paperwork sent to me for a debt they claim I owe. 2 years ago they actually contacted my elderly parents at their home and indicated that they were looking to serve me. I have not ever lived at this particular address of my parents, nor have I ever lived in that State ( New Hampshire ). 

When ever I call and speak with them they claim I owe for a debt that was paid directly to the creditor at least 10 years ago, the account no longer appears on my credit report and I have since moved and can not find my paperwork for the account. They claim I owe the debt unless I can prove otherwise and they insist that they are going to serve me. 

It happens like clock work about this time each year and then I threaten to have my attorney call them and I ask them to stop contacting me and they stop for about a year. I have to date NEVER received any paperwork from them and they refuse to speak to my attorney. 

Today the company that called was XXXX XXXX XXXX at XXXX.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2022 I deposited my retirement annuity check from XXXX into my Capital One bank account. It was verified by their legal department on XX/XX/XXXX to be a valid, good check and the funds were released to me. I paid bills, one of them was my Walmart credit card. I only have a {$200.00} limit on the card so I paid it in full, XXXX. Normally Capital One releases funds to credit cards as soon as a payment is made or posted. This transaction cleared on XX/XX/XXXX but Capital One still has not posted it to my account or allowed me to use the card. Their excuse is this is " unusual '' activity for me. Well actually it isn't, I have done this before. When I have extra money this is what I use it for. But not only did they place a hold on the account for no justifiable reason they are reporting that the card was denied because I was over my credit limit. No, I wasn't, this is a lie. The money is there, they have it, they just are apparently playing XXXX with it or something.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CT)

XX/XX/XXXX : credit card amount due of {$3800.00} was sold to Midland Credit Management , Inc . 
XX/XX/XXXX : Midland Credit Management sent letter with transfer details and current balance : {$3800.00} Conversations with collector occurred : told Midland Credit Management XXXX Inc.I did not have the complete funds to pay off the balance. Was told I could offer a settlement XX/XX/XXXX : I wrote Midland Credit Management offered settlement amount of {$900.00} and sent check with offer. Clearly asked Midland Credit Management to inform me if the one-time payment settlement amount was acceptable, and if so to confirm in writing. Also, started if it not acceptable to please return the check. 
XX/XX/XXXX : Midland Credit Management cashed check ( # XXXX ) for {$900.00} Follow up call was then made by Midland Credit Management asking for full amount of balance owed {$3800.00}. Upon speaking to representative who first denied receiving the settlement letter and check, but then asked me for evidence, which I subsequently provided by reading the letter to the representative over the phone and provided details of payment paid. Representative then back tracked and said it was not settled and they would return the funds. 
Funds were never returned. Nor were they deducted from the balance owed XX/XX/XXXX, I followed up with a letter to Midland Credit Management outlining the situation and stating the debt was settled XX/XX/XXXX : Pre-legal notification letter from Midland Credit Management treating to forward the account to an attorney for the full amount owed {$3800.00} XX/XX/XXXX : I wrote Midland Credit Management to again outline that the amount was settled, they cashed the check, did not return the funds, and did not even take the money they took off the original balance owed. 
Midland Credit Management call me nearly every day and continue to write letters to me, now threatening.
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (LA)

Today, is XX/XX/XXXX, and I havd had numerous issues with XXXX XXXX/XXXX XXXX, XXXX, and its Curators, Attorneys ; as well as the Loan Officers acquired by the state of Louisiana. Due to discrimination and impracticable business practices has wrongfully forceclosed on XXXX XXXX. Please be advised I review my checking account with XXXX XXXX and discovered check # XXXX was issued to Seterus on XX/XX/XXXX. Seterus was unable to locate the payment, therefore, I submitted a money order and sent the payment by certified mail. Also, I requested Seterus to disgard check # XXXX. Today, XXXX, Region Customer Service Representative, located in XXXX, Flordia informed me the check wa processed. XXXX XXXX, Seteru Representative, informed me that the processed department wasn't able to identify my information. I have reported these incidents to Louisiana OIG office ; also, I filed complaints with XXXX District Court of XXXX XXXX and the XXXX District Court of XXXX XXXX. These courts postponed the litigations. Due to these courts ; as well as the Federal Courts located in Louisiana ; I had to file bankruptcy during calendar year XX/XX/XXXX. Please contact XXXX XXXX, Bankruptcy Attorney at XXXX for additional information. During XX/XX/XXXX until present property damages occurred on real estate and automobiles in the state of Louisiana. Due to the significant financial losses I am unable to obtain an attorney. The mortgages were filed in XXXX XXXX XXXX XXXX for properties XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, XXXX, Louisiana.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Local Management, LLC (SC)

XXXX the manager of the XXXX branch of Local Finance LLC, contacted me last week on XX/XX/2019 about my payment - which is late. I informed her that I have had a change of jobs & financial situation & I would be unable to make a payment until XX/XX/2019. Today, XX/XX/2019, XXXX called my office ; after I specifically asked her not too ; and proceeded to tell a co-worker that I was behind on my loan, how much I owed and shes considering filing legal against me. After that call, she contacted my husband, threatened him with legal action, he ISN'T on my loan & asked him if he liked the police at his home because they would be here tonight with arrest warrant for me unless he paid my account up to date. I called the office & spoke with her, asking why she contacted my place of employment & husband telling my financial info & threatening me. She proceeded to start screaming she was taking me to court, she knew where I lived and would be at my home tonight, she was bringing the police with her & I hung up on her.
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I contacted XXXX to have them remove the two hard inquiries that were listy on my credit report with out my permission. I then proceeded to tell the woman I spoke to that I never Inquired about any of thier airlines or credit card. I continued to notify her that XXXX showed up on my credit report twice once in XX/XX/XXXX and again in XX/XX/XXXX and it clearly says XXXX XXXX XXXX XXXX/XXXX. The woman got my information just to make sure I didn't have an account with them. Then laughed at me and said " I just realized your my 10th call on this situation today. We are not an Airline you will have to file a dispute with your credit company ''. Instead of filing I called XXXX XXXX and I was told I needed a letter from XXXX  to be able to remove it. I don't even have an account with them nor have I ever heard of them. I also looked them up and they are way over in XXXX FL I don't even live near there. This needs to be fixed. I also found on the forum on credit karma I am not the only person this is happening to. Something needs done about this.
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (PA)

I went to XXXX XXXX for a consumer credit transaction who then extended my credit to Santander bank. They furnished a contract obligating me to pay certain fees. Among these fees was a finance charge that did not include insurance which I had pay separately from the finance charge which is illegal under TILA 15 U.S.C 1605 ( C ). They also violated 15 USC1605 ( a ) which states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction meaning {$1600.00} in cash they received as a down payment was also illegal. This constitutes fraud which voids any contract. 15USC1692 ( h ) states if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. They have never presented proper paperwork or any paperwork for that matter of my right to rescind this transaction pursuant 15USC 1635 ( a ) ( b ).