davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

When we requested a payoff on our home equity mortgage with Wells Fargo we were astounded to hear they wanted {$2600.00}. over and above the amount that was due even though our most recent statement showed a XXXX amount due after the previous months statement. We had not missed a payment on this loan in the 10 years we had this loan which was originated thru XXXX which was acquired by Wells Fargo. This amount represents over 3 monthly payments which they simply can not justify according to the detailed payment records that we have. 
This demand came as we were trying to close the sale of our home and would have derailed our sale if we did not pay up. In short we were held hostage by Wells Fargo and got nowhere with them as we were handed off to many representatives who only gave us generalities and no specifics about our detailed payment history and why we should owe them this amount of money. We want this money refunded and in light of the widespread fraud and financial irregularities recently uncovered at Wells Fargo would like this complaint fully investigated and each months payment verified that it actually was credited against my loan and not misappropriated
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is reporting that I am 180 days past due on a loan that was sent back to the Federal Government on XXXX. XXXX showed a zero balance on this loan as of XX/XX/2021. I contacted XXXX in XX/XX/2021 and was informed that the loan had been transfered. So, why are they still reporting that I am 180 days past due. Also, the current holder of the loan stated that it is covered under the Cares Act and I would not be reported to any credit agency. Experian is the only agency reporting this erroneous information.
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I went to get gas yesterday with my XXXX card ending in XXXX. I was told that I could not make the purchase and I had to call the number on the card to find out why. 
Today I called XXXX Customer service at XXXX. First they could not find my account. Then they told me I hd the wrong account my account ended in XXXX not XXXX. I was then told that the reason that I could no longer make purchases was because I am due for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments in the amount of XXXX. ( its not even XX/XX/XXXX yet? ).  I asked him when was the last payment sent he said sometime in XX/XX/XXXX they received XXXX. I checked with my bank while on the phone with XXXX and found that a payment in the amount of XXXX was sent on XX/XX/2018 and received by XXXX on XX/XX/2018. I was told I needed to fax proof of that payment in. I said ok give me the fax number. The Representative would not give me the fax number and said my call needed to be transferred to a different department. 
I was switched to a gentleman that identified himself as XXXX XXXX # XXXX. I told him what happened and that I needed the fax number to show proof of payment. He said that as far as he was concerned that was not necessary as XXXX never received the payment on XX/XX/2018. I was told I needed to call my bank XXXX XXXX and they would have to handle it. He then went on to say I would have to pay the money. I told him to close my account. All this sounded strange so I called XXXX XXXX XXXX My Bank the payer and spoke to XXXX she told me that that was not the case the money had been paid to XXXX and I needed to take it up with them. So now I am am writing you the CFPB. I need to find out what happened to the XXXX that was taken out of my account and sent to XXXX and why XXXX never applied the payment. Please Help me resolve this issue. 
See attached my XXXX card and my proof of payment to them from XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sent a domestic transfer on XX/XX/2019 to a friend in NJ of {$500.00} from Bank of America and they never received it. I called them many times and they were saying to wait after I gave the complain but after few days they said they couldn't get the money back and couldn't do anything. the bank didn't have any responsibility for the lost of money even that was the right account and routing number.
Consumer complaint received 2019-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was purchasing 4 tickets with parking passes from XXXX XXXX who advertised the tickets on XXXX. The tickets were for the XXXX XXXX vs XXXX game on XX/XX/2018 at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Texas. I transferred the agreed upon amount of {$400.00} thru XXXX on XX/XX/2018 within my Wells Fargo App to XXXX XXXX who also had a Wells Fargo account. Our correspondence throughout this process was thru text messages, which I still have on my phone, and the seller ( XXXX XXXX ) confirmed he received the {$400.00} and was starting the transfer of the tickets to my XXXX account. I never received the tickets. When I text him back he did not reply. So I attempted to call and he had blocked my number. I called Wells Fargo and they opened a claim and assigned it to their fraud team. After several days they finally called me to say that there was nothing they could do, and that they dont guarantee goods and services. They did confirm XXXX XXXX had an account and confirmed the transfer of {$400.00} from me to him but would not give me any other information. They said all I could do at this point is file a police report. Ill I have for information of the individual ( scammer ) I sent the money to is his name ( XXXX XXXX ), his email ( XXXX ), and his phone number ( XXXX ).
Consumer complaint received 2019-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

Please be advised that my statement is not necessarily a complaint but more of a request. Three years ago I went through a number of serious financial setbacks, including a medical condition. Several of my accounts went into default. However, I still desire to see if I can settle each one of them. I do not desire to file for bankruptcy at this time, but I realize that is still an option. Therefore, I am respectfully requesting settlement offers to be mail to me within the next few weeks, and I will do my best to borrow funds from family members to satisfy each settlement as they come in.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.
Consumer complaint received 2019-09-09
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: BARCLAYS BANK DELAWARE (TX)

I filed a dispute for {$32.00} ( original transaction was {$64.00} ) with Barclays on my XXXX  Visa card. The dispute team looked at the wrong refund ( {$55.00} ) and mistakenly assumed that this refund matched the {$32.00} refund. I've called and asked them to reverse the rebill amount and they said the only way to re-open the dispute was to send them a hard-copy letter stating I wished to re-open the dispute. 

My user agreement rights states that IF HARDCOPY LETTERS ARE NOT POSSIBLE FOR YOU, PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD AND WE WILL HELP YOU. I've called that number but the ONLY way for users to reach the dispute department is through letters. There is no way to email or call them which is insane and incredibly limits how they can be contacted when the dispute department has messed up their job and mistakenly closed a dispute. 

I am now missing {$32.00} that should rightfully have been refunded to me because of their mistake.
Consumer complaint received 2023-03-28
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. (FL)

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 items, 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
Consumer complaint received 2018-08-04
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: Experian Information Solutions Inc. (GA)

I have completed numerous disputes with XXXX in regards to my XXXX XXXX XXXX and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and Experian both removed items. XXXX removed the items then placed it back. Not to mention they are repeatedly showing XXXX as a open delinquent account.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (NC)

Account Name RECOVERY ONE LLC Open Date : XX/XX/2014 Balance : {$4200.00} This, " supposed '' debt that is reflecting on my credit files is totally an unfounded claim. 
This matter can easily be resolved by providing " any '' documents reflecting my true valid signature confirming my responsibility for any of these said " due amounts. 
However, there are none as I stated earlier, this is an unfounded claim of a supposed due debt that I have no clue as to why it has been continually posted. 
Please note that I filed a dispute via XXXX   requesting proof & validation of their claim previously and it was ignored. This is being reported by a company named " Recovery One LLC ''. 
Your assistance in this matter would be greatly appreciated. Note that this is the only thing ( other than inquiries ) that is burdening my credit file.
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

My student loan servicer is MyFedLoan.org, and I have been inquiring about the reason for my interest being capitalized several times over the past several years. I understand that there are certain triggering events that could cause interest to capitalize, such as coming out of forbearance. However, the dates on which my interest was capitalized do not all seem to be supported by a valid reason ( although a couple of them do ). I've called a few times and submitted requests in writing to have someone research my account and tell me the justification for capitalizing the interest, but I have not gotten an answer - it's been a year. The interest capitalization represents around {$100000.00} so it's not inconsequential. I would appreciate some assistance in helping me ensure that my student loans are being properly serviced. 

Thank you.
Consumer complaint received 2019-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I have paid on the line of credit for many years and very little has come off the principle. I personally think these second mortgages should be outlawed since you cant take the interest paid off you taxes anymore. I once paid a {$14000.00} dollar lum sum to Fifth Third Bank of XXXX, Ohio! I think i am being taken advantage of BIGTIME!!! Please investigate.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (NY)

Received a letter on XX/XX/2019 from Flagship Credit Acceptance in regards to a denial of a credit request I never applied for and it has left a hard inquiry on my report under my name from XX/XX/2019 2019
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (DC)

For the billing cycle ending XX/XX/2021, American Express made a change to the billing st

atement that is misleading and intended to inadvertently drive consumers to use the Pay Over Time feature, resulting in unexpected interest charges. As a result of changes, new charges over {$100.00} are no longer displayed under the " Pay in Full '' amount shown on the billing statement. Therefore, payin
g the " Pay in Full '' amount now results in interest charges being assessed. The true balance has been moved to lower prominence on the bill, including online bill pay options.

As a result of this change, I ended up with {$180.00} in interest. Although American Express ultimately waived and reversed those interest charges, this is a misleading change requiring communication with a representative ( in which they push additional offers ) and I do not believe American Express provided a clear notice to customers about this change.
Consumer complaint received 2022-07-27
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. (TN)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have XXXX days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them. 

I demand the following accounts to be verified or removed immediately. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name XXXX XXXX  ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX  ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-25
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)

This complaint shall be labeled as a follow-up complaint to my previous complaint to ensure the deletion of the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-08-17
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. (MI)

I have tried to dispute these inquiries because at the time I was XXXX so how can I apply for anything? I want them removed thank you! 

Transunion : 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 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 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 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 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AL)

My original principal balance was {$58000.00} beginning XX/XX/2007 with a fixed interest rate of 7.5 %. I have filed a few forbearances over the years due to hardships ; but was not offered income based repayment plan options until this year. However, since XX/XX/2007, I have paid {$30000.00} in interest and {$6700.00} towards the principal. My account balance is currently {$73000.00}, which is {$15000.00} higher than my original principal. When you file for a forbearance due to hardship, instead of Navient just allowing the interest to accrue during that time period, they add the interest to the principal and then charge you interest on the interest added principal amount. The forbearance does not help but hurt borrowers. I have tried to negotiate the account balance because I have paid {$36000.00} on a {$58000.00} loan and now owe {$73000.00} which only causes the payments to go up and not down. I think this is truly an unfair practice and makes it extremely difficult to pay the loan. Navient did not offer any help in resolving this matter.
Consumer complaint received 2018-08-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

A consumer service representative ( CSR ) provided misleading or incorrect information that caused my account to be overdrawing. The information provided by the CSR caused checked to be cashed that caused my account to be overdrawing. This act is and has the potential to effect my government security clearance and potential of losing my job.

USAA has not been helpful and there ( CSR ) caused the problem.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC (UT)

Hi - I need help with loadcare. They are charging me late fees when late fees should n't be applied and can not help with this issue via phone support. They 've told me several times that I have to go through their email services, which I have for the last four months and the emails go un-responded to. The good thing is they send you an email which shows that the email has been received and sent. 

What are my options? 
Link : XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX Loan number : XXXX I need all late fees, that should n't have late fees applied back to my account. 

Thanks XXXX
Consumer complaint received 2019-01-12
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. (NV)

I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX