davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TN)

Paypal prepaid card XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX. 
I have bought payed for an loaded in store the amount of XXXX $ upon attempt to finalize the card set up iv been ask to email 3 forms of id ..including ssn card with numbers ..multiple times while on the phone apx 25 times iv called trying to adj the issue iv been ask to give my ssn # .. 4 days im still unable to get them to finalize the account nor have a resolution at all iv been hung up on told i could not be heard placed on hold for over 1hr waiting to talk with a supervisor inwhitch i never spoke with ..these people say they work for Mastercard. Im sick of trying to get what they sold an i have payed for ..i do not believe they are in any way a legitimate business that should be allowed to operate with the action they have shown .. as i have said iv called at least 25 or more times over the past 4 days trying to get some where with the issue in hopes to possibly get some one who knows what there doing or cares while on the phone i have heard in the background multiple people who have called in trying to finish activation having the same trouble .i truly feel this is a fraudulent organization.
Consumer complaint received 2023-03-29
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Non stop repeated phone calls. no messages, calling family members phone numbers, not sure how they got the numbers. calling form unknown numbers. text messages to family members. calling on sunday mornings. called on XXXX   sunday morning. weekends. all times.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (NY)

In XXXX of 2018 is when I tried to get lincoln to provide me with proof of this debt they would not show me that the debt was mine or provide me with a valid receipt or bill of any kid any and information other than that they wanted to get paid back and I owed a fictitious amount of money
Consumer complaint received 2019-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We purchased our house and financed a VA loan through The XXXX XXXX Texas. Our loan was sold to Wells Fargo without our agreement. Wells Fargo is requiring both taxes and insurance to be escrowed. Every year, the escrow payment is increased due to taxes and/or insurance increasing. Previous years we have had to add funds to our escrow account to keep our mortgage payment from increasing. They called this an escrow buydown. No problem there. 

This year, our escrow payment increase and now I am being told that I can not add buydown escrow. I just have to deal with the higher payment. 

Coupling the increasing escrow payments, no buydown option, and not having the option to pay insurance or taxes separately will definitely lead to many people being forced I to forclosure because they cant afford the increased monthly payments. 

Wells Fargo needs to either allow their veterans using VA backed loans to buydown escrow payments, or not require taxes and insurance to be in escrow.
Consumer complaint received 2019-05-01
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: EQUIFAX, INC. (AR)

Equifax XXXX  XXXX - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/XXXXXXXX cars. 
I wrote a 2nd request on XX/XX/2019 and have not received a response.
Consumer complaint received 2019-09-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A fraudulent charge of {$55.00} appeared on my XX/XX/XXXXcredit card statement. It stated that I used my card at XXXX store # XXXX on XX/XX/XXXX to make a purchase. I reported the charge to Bank of America, and received a new card with a new number. When I first reported the fraudulent charge in XX/XX/XXXX, I did not provide receipts or any other proof. I received a letter from Bank of America dated XX/XX/XXXX, that my claim was denied. On XX/XX/XXXX, I was able to recover receipts from said date of XX/XX/XXXX that showed that I did not make the {$55.00} purchase. I then went to a local Bank of America branch and provided this proof, which they faxed to the appropriate department. A few days later, on XX/XX/XXXX, I received a letter stating my claim was resolved in my favor, and they would let me know if they needed any additional information. I never heard anything more, until XX/XX/XXXX, when I received another letter from Bank of America stating that my claim was denied again. Due to this conflicting information, I called Bank of America. I have made several phone calls and have been transferred to so many different customer service associates, most of whom are apologetic, some of whom agree that there was an egregious mistake on their end, but it still hasnt been resolved. I proceeded to contact corporate customer care, and submitted my issue by email. I was contacted by them within 2 business days, and had to repeat the same story to this person, who asked me many questions, and also told me I could try to resolve it with the merchant, or report it to a credit bureau. So I called the merchant and tried to resolve it with them, but was told it must be resolved with the bank. Meanwhile, the Bank of America associate said they would reopen the claim. When I called again yesterday to confirm this, I was put on hold and promised a return call but I was never called back. Bottom line is, I did not make this {$55.00} purchase. I have been a Bank of America credit card holder for 30 years.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (PA)

Citi Bank introduced Flex Loans ( an installment plan using ones available credit on an existing credit card ) and advertised them heavily. I used one of the offers to finance an unexpected home repair. After the Flex Loan was in place their website offered me a 0 % APR balance transfer. Having used balance transfers before, Im reasonably confident in how they work and felt comfortable using this offer. After making two payments on my account now with two balances at different APRs, I learned that based on Citis payment allocation rules, its not possible to pay anything toward the 0 % balance until the Flex loan is paid in full. The 0 % offer expires about 2 months before the final Flex Payment is due. Thus, if I dont pay the Flex Loan early, I will get hit with the interest on the 0 % balance, making this offer  impossible to use in real life. The system that generates these offers should have been programmed with this understanding. I find it hugely deceptive to be presented an offer that I cant effectively use. 

On XX/XX/19 I spoke with XXXX via chat who confirmed for me this is the case. I then called and spoke to a person who didnt seem to understand what I was saying, so escalated to her supervisor at my request. The supervisor also confirmed for me that this is the case, but could only document my complaint as a resolution as there is no fix, other than for me to pay off this card and not look back.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper ( Nationstar Mortgage ) held our mortgage. When we sold, Mr. Cooper sent solicitations for mew mortgage. 

Applied on XX/XX/19 for pre qualification letter. They sent me letter and checked my credit and employment history, charged me for appraisal. When inspection report came out furnace and outlets were defective, so withdrew offer. 

Put offer on another house on XX/XX/19. Sent Mr. Cooper documentation. Then, just as house was about to close, they started asking me for documentation they had received from me 30 days earlier. Acted like they couldn't find employer. Then said there was a gap in employment from 17 months earlier - this is after charging me again for an appraisal. Would not approve or deny the loan despite 20 emails and calls. Would not reply as deadline for earnest money deposit came and went. Repeated this approximately a week later. 
I had to liquidate my personal holdings to close on the house. 
Never received an answer. 
Did not respond to request to receive refund for 2 appraisals, or request to have regulatory officer return my call.

Did not respond for several weeks to multiple requests to reset my entry into loan tracker -- finally responded after I paid 2 appraisals and deadline for earnest money forfeiture had passed.
Consumer complaint received 2019-09-27
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. (TX)

On XX/XX/2017 I settled a XXXX XXXX  account with a collection company, at that time the company asked me for a {$1800.00}, payment to consider the account paid in full, since that time I have contact Experian and XXXX XXXX to fix the reporting on my credit report. First, XXXX XXXX corporate they do not how to even know who handle situations like this, on the other hand, Experian is saying to go back with them after I got one more answer on my dispute, even though I submitted the letter from the collection company that this account is paid in full.
Consumer complaint received 2019-09-19
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. (CA)

On XX/XX/2019 a representative from XXXX XXXX XXXX came to my home to sell me solar panels. When we got to the application process, I asked the representative if the credit inquiry was a hard or a soft inquiry. She informed me that the inquiry was a soft inquiry so I allowed her to move forward with the application process. I actually don't recall providing my social security number as part of the process. Upon checking my credit report, I noticed a hard inquiry from XXXX XXXX on my report. When I inquired with XXXX XXXX to learn what the inquiry was about, they informed me that it was in relation to XXXX XXXX XXXX. I informed XXXX XXXX that the inquiry was supposed to be a soft inquiry, not a hard inquiry. XXXX XXXX   investigated and said that because I received services from XXXX XXXX XXXX ( which I did not ) that the inquiry is valid. Regardless of whether I received services or not, the representative lied when she told me that the inquiry was a soft inquiry. For this reason, the inquiry should not be on my credit report.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MT)

I noticed that my credit score, which was near perfect, had gone down significantly within a short period of time, and found through my credit report, that a collection had been placed in my name on XX/XX/2019, for {$290.00} for an account through XXXX XXXX, that is not related to me whatsoever. I have never had any kind of account with XXXX XXXX. I have tried to contact the debt collection agency, Sequium Asset Solutions on three separate occasions at XXXX ( XXXX XXXX, who is the corporate compliance officer with the company ), to try and get this resolved and removed from my credit report, however, I still have yet to receive a call back from them. They continue to avoid my phone calls and refuse to discuss this dispute with me, while I suffer the impact of a lowered credit score.
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

XX/XX/XXXX On the early afternoon of XX/XX/2019, I paid an international wire fee to my local [ XXXX NY ] branch of Community Bank, N.A. of {$45.00}. to send a wire from my bank account to a friends bank account of {$920.00}. ( Im a retired XXXX and I was trying to provide educational help to a friend. ) The bank deducted {$960.00}. from my bank account, which was normal. 

The money was never deposited into my friends bank account. So, the following week I asked the local branch manager, XXXX XXXX, who sent the wire, to have a search done to determine where the transfer was stuck. ( She told me that Community Bank, N.A., uses the New York XXXX XXXX XXXX bank to send international wires. ) She told me the next day that it could take up to 90 days even to do a trace! 

As of today, exactly 28 days after the transfer was initiated, the money has neither been transferred nor returned to my account. Earlier this week I called the number on the banks website and someone named XXXX told me hed look into it. Nothing happened. 

I, therefore, messaged Ms. XXXX to cancel the transaction and return the {$960.00} to my account. Apparently, she requested that, but she also then informed me that it could take 90 days even to do just that! 

I believe that, if one pays for a service in advance, ones money should be returned promptly if that service is not provided. If you agree with me, I hope that youll treat this complaint seriously. 

Someone has been using my nearly {$1000.00} without my permission for the last month and this situation may drag on for months more. ( Meanwhile, my friend, who was counting on the money, is stuck. ) I would like you please to pressure Community Bank into returning my {$960.00} immediately as well as reasonable interest for the use of my money. ( It may not seem to be a lot of money, but Im living on a fixed income and its a lot of money to me. ) Thank you for your attention. 

Cordially,
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MO)

On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

I have been trying to resolve a debt generated by identity theft with debt collector Hunter Warfield. They contacted me XX/XX/XXXX regarding a defaulted rental agreement to the amount of {$1500.00}. This is not by debt and the result of someone forging my name using docusign on the rental agreement. I have spent several frustrating phone calls, written letters stating this wasn't me and was a forgery generated in docusign. I have taken the CFPB 's recommendation and have contacted my local police department to report this identity theft. I have also run a credit report and see that Hunter Warfield ran a credit check on me last year XX/XX/XXXX. The local police dept. recommended Hunter Warfield contact them with the case # if they want to see the report. Hunter Warfield told me over the phone they don't do that and will not close out this debt. This does not sound legit and I am afraid Hunter Warfield is trying to use this fraudulent debt to ruin my credit report if I don't pay them.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (WA)

Hi, There was an online fraud on my checking account ( opened in Citibank XXXX XXXX, XXXX ) of more than {$130000.00}, where a lot of our money was withdrawn online by someone unknown, without our information, authorization, or confirmation. 

And yesterday we received bank 's investigation results. 

First we need help with this fraud investigation Second, Citibank said they will NOT re-imburse {$69000.00} out of the total of {$130000.00} money that was stolen from our bank account. 

Are these two things, something you'd like to help out with?

Our current residence is XXXX, WA XXXX P.S. - attached are - 1 ) screenshot for all fraud transactions with amount, date and merchants involved.

2 ) Few Merchants and card holders informations whose payments were made with my account please let us know. 
thank you
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

To : CFBP Subject : BOfA holding funds and late and no funds fees policy. 


I have been a Bank of America customer for ( over 25 years ). The last couple of months I have been dismissed by the Bank when expressing my concerns in their wrong doing. I have my own business and I used BofA for all my bank needs. Apparently they are forcing us to pay XXXX worth of fees by holding our funds for sometimes 5 days. All my accounts are with them and I get paid every two weeks through a payroll company. When processing the deposits the bank withdraw the money at the same time from my business account but holds my funds into my personal account. In the past two months, the bank has put my deposited checks on hold several times with no justification causing me a lot of pains and costing me a lot of money for fees. In efforts to understand the reason behind all of this chaos I contacted customer service and they were not able to explain to me what the reason for these incidents were and continued to put checks on hold for numerous days causing immense consequences for my finances, including return fees from other banks, returned college tuition and returned mortgage payments. 
I have been troubled with this because BofA has been doing this to a lot of my friends disrupting our tied finances even more and I believe this is illegal. Please take a careful look into this and I believe they should stop this fundraising of its own at the cost of poor families like us that works very hard to put our kids into to XXXX and pays the rent or the mortgage. 

I am attaching a copy of my last check that was put on hold by BofA and verify the dates when they compensated the check in my business account and the funds been on hold in my personal account. 

Please feel free to contact me if you need further information. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation (CA)

On XX/XX/2019 I received a letter of a debt I have never heard of from XXXX XXXX  collection for XXXX. I never have in my life had a XXXX account. NEVER NEVER. 

The letter is misleading. This is the first time I have heard of this. I have contacted FTC, there identity thief division, I filed a police report, I have contacted the attorney general regarding this. I have sent a letter to them which they should be getting any day now and I also sent a letter to XXXX XXXX.