davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (TX)

My husband applied for a Visa XXXX XXXX with US Bank in XXXX of XX/XX/XXXX. The website stated that we would find out instantly, they did not issue it. Over the next two months we called in to verify information. Due to my husbands work schedule this was very hard as they have super limited hours with wait times that extended 30 or more minutes each time. I had to wait on hold and catch him in between meetings since they would not tell me what needed verification. We were told to reapply so we did and it noted we had another application. We changed our income amount and the application processed but was held up by them thinking our email address was odd. I explained we have our own email server and custom accounts. I asked if anything else needed verification and the agent said no. Fast forward to the first week in XX/XX/2021, we get our cards, activated them and for our first use they were rejected for being invalid. I called and was transferred through 4 different departments and was on hold for over an hour. At that time I was told we had to submit copies of our drivers license and social security card. That until we did that our account was closed and could not be reopened. I asked why since we are debt free, have credit cards that have been open for over 20 years and never had to provide this before. The agent was very rude and refused to provide any information. 

We decided dining rewards were not worth dealing with a completely incompetent bank. We hope they fix their systems so others do not feeling like they are criminals trying to open a credit card.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion lowered my credit score by 43 points without reason. I have no late payments, no missed payments, no new credit accounts nor have I applied for new credit. My scores have continually risen throughout this year. Last months Transunion report shows I paid down my total credit debt by more than {$1500.00} that month and had 2 hard inquires fall off my report, and as a result they lowered my score. 43 points is a big drop and this has been reported to several of my creditors already damaging my credit standing. I called Transunion and was told I can not dispute a score because it is done by a computer program. They must be forgetting a program is only as good as the human entering the data for it to use. There is nothing to dispute on my report itself because there are no negative items on it. My score has continued to increase with both the other 2 credit reporting agencies. This is a completely unfair practice and the stance they take based on it being calculated by a computer so it has to be right is also an unfair and bad practice. It can take many months to recover the points they took and too lower someone's score just BECAUSE is as unfair as it gets in my option. We all know in todays what credit ratings mean.
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In XXXX this year I filled a complaint because I was trying to get Navient and XXXX to communicate with each other and reslove this matter. I was advised by CFPB " When two borrowers obtain a consolidation loan they become jointly obligated to repay the entire loan. If one of the borrowers become totally and permanently XXXX, that borrower may qualify to have their portion of the debt that represents their underlying loans discharged. During these situations, the consolidation loan will be reduced by the amount representing the XXXX borrowers portion '' My husband who is XXXX   XXXX have a consolidated student Loan. 
We filled out an appplication with XXXX to discharge his part of the loan. 
XXXX told me that Navient did not report anyone owing the loan except for me. When they check with the XXXX XXXX department, my husbands name is not included so they can not discharge his part of the loan. I have gone back and forth since XXXX concerning this. I would like to know what steps I can take to resove this matter. Thank you.
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MD)

In XXXX I made 3 payments to the loan company and they sent me the legger showing that all those payments went towards interest and they did not apply anything to the loan amount. The loan amount somehow increased from XXXX to now over XXXX somehow and I have never missed any payment. They continue to mention the coronavirus pandemic when I lost my job and they had to extend those payments. I contacted multipe other loan providers and they told me that this company ( Bridgecrest ) is reporting to my credit that I am only paying 2 % interest when in fact it is 20 % according to my documents. I need a full investigation done on this company.
Consumer complaint received 2020-06-24
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: JPMORGAN CHASE & CO. (MA)

Several weeks ago I discovered that I was charged {$700.00} on XX/XX/2019 by XXXX onto my Chase Freedom card ( card # XXXX XXXX XXXX XXXX -- now closed ). I asked Chase to open a fraud inquiry into this charge as I did not recognize it and could not locate any receipt for this amount. I reported the charge as fraudulent to Chase and was told that Chase would inquire into the situation. Yesterday I received a letter from Chase notifying me that Chase had completed an investigation into the unauthorized transaction on my account and concluded that I had " received benefit from this transaction '' and did not consider this fraud. 

I was incensed at this, so I did some digging of my own and contacted XXXX fraud department. I learned that the charge was made with my credit card # but with someone else 's name and address. They would not tell me who's name and address were provided at the time of ordering for privacy reasons. They did tell me that the order # was XXXX and that the item purchased was an XXXX  handbag ( product # XXXX XXXX. 

Any assistance with resolution of this dispute would be helpful. 
Thank you.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (AL)

XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX ACCOUNT # XXXX To Whom It May Concern : IT IS TOTALLY RIDICULOUS THAT AN AUTOMATED PAYMENT OF {$220.00} WAS TAKEN OUT OF MY ACCOUNT WHEN I ONLY OWED {$93.00}. THE EXCUSE GIVEN IS EVEN MORE RIDICULOUS BY XXXX  AND XXXX AGENT # XXXX. IF I DO NOT OWE BUT {$93.00} THEN THAT IS WHAT SHOULD HAVE BEEN TAKEN. I REQUESTED THAT THIS BE IMMEDIATELY REFUNDED OR CREDITED TO MY ACCOUNT AND WAS TOLD THAT IT WOULD TAKE UP TO 30 DAYS. IF YOU CAN AUTOMATICALLY RECEIVE MY MONEY WHY CANT YOU AUTOMATICALLY REFUND MY MONEY.

I CALLED ABOUT MY LAST PAYMENT BEFORE IT WAS DUE AND NONE OF YOUR EMPLOYEES INFORMED ME THAT I SHOULD STOP THE AUTOMATIC WITHDRAWAL AND / OR CHANGE IT TO THE AMOUNT THAT I OWED. EVEN SO, YOUR SYSTEM SHOULD NOT TAKE MONEY THAT IS NOT OWED.

I AM SENDING THIS LETTER TO THE STATE DEPARTMENT AND ANYONE ELSE THAT WILL TAKE ACTION SO THAT THIS WILL NOT HAPPEN AGAIN TO ANYONE OF YOUR CUSTOMERS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX CC STATE OF XXXX
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank is funding their payment of the setttlement by systemetically sequencing deposits and debits to incurt the maximum amount of overdraft fees, I was charged XXXX for a XXXX recurring debit to XXXX XXXX XXXX and a utilty payment to XXXX for {$49.00} and another {$35.00}. That represents interest at the rate of almost 36,500 % on per anuum basis.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY (WI)

I have a vehicle loan through wells Fargo Bank and I finally got my first statement after 9 months and I owe more on my vehicle now then when I got the loan I pay XXXX a month and statement says XXXX plus goes to principal so why is my loan high now after 9 months they never send receipt there XXXX me
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed a tax lien in the amount of {$740.00} that has been paid to the North Carolina XXXX. The debt was paid on XX/XX/XXXX. They indicated they investigated and information is correct. However that is not correct. The NC XXXX also garnished the money from my account and then added a lien which is too not legal. I would like the debt removed from my credit report as well as deleted from the public record.
Consumer complaint received 2019-05-16
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (IN)

They have been contacting my neighbors and random people in my city about a debt that isnt even mines. Called my colleges clients about me. I am a real estate agent who can not afford them defaming my character.
Consumer complaint received 2016-06-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Home Mortgage dba as America Servicing Company is put on notice to produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms showing original wet ink contracts not copy of contracts forged by MERs. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.All money returned to me in the form of money order. All these documents must be produced and notarized and must state under the PENALTY OF PERJURY.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Holdings, LLC (TN)

I have been receiving harassing phone calls and voicemails from strangers from this company that also contain a fraudulent caller ID. Apparently this is a collection company. 

My search revealed this to be the actual company : Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX Office : XXXX Toll Free : XXXX Fax : XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I had Identity theft, Equifax is still reporting a charged off account from XXXX XXXX ( Credit Card ) on my personal credit report. XXXX and XXXX have already deleted this account off my personal credit report. I have sent Equifax required documents for removal, they are insisting this account is mine per there investigation. I have submitted a Police report with all required information per them for removal and they still won't. I can not upload these documents to you per the bullet points due to personal information, unless you request them. I have sent required documents to XXXX XXXX XXXX  as well. XXXX is telling me I authorized someone to open this account on my behalf. I have requested validation letters, contracts with signature and how they are investigation my claim per the Fair Credit act and I  haven't received anything in the past 90 days.
Consumer complaint received 2015-12-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (GA)

As I previously submitted. BBT gave a loan that was classified as commercial loan which was from the start, out of our paying ability. The initial loan was given in excess of the value of the property. BBT has stopped sending statements, and has stopped responding to my request to review their predatory lending policies and to make correction in the loan. Further, the refy loan was provided without asking any questions of the borrower. While they did go on line to review the household income, which was approximately {$1000.00} per month, XXXX, No other documents, no application were required and it was mentioned that the loan would never be paid off in my dads lifetime. Which was true, however, when BBT and were informed in the acquired knowledge above they failed to respond and to date have stopped acknowledging my correspondence. On a monthly basis the loan and interest far exceeded the amount of monies bought into the household on a regular basis. There is no clear explanation of loan and what is covered under the loan. Further, the lender has denied me any reasonable explanation in the loan/process/ restitution and present status of the loan. In addition, I am asking the loan be totally forgiven and restitution be made to POA since it was predatory in nature. 
It appears that BBT preyed on senior citizens and failed to follow the regulatory rules as set forth as a lending institution/mortgage. They are clearly predatory lenders. 
The desired resolution is to have BBT forgive the loan in its entirity and restitution for years of unfair preducial, and predatory practices. The income was approximately {$1000.00} net and the loan including monthly interest is {$370.00} times XXXX each month payment is the same or close to the interest amount monthly. How can that be.
Consumer complaint received 2021-02-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bepensa Capital, Inc. (PA)

This corporation is harassing me by attempting to collect an assumed alleged debt ( that is not mine ) constantly reporting on my consumer reports, without my written permission and no consent ... which is classified as identity theft by law. They are violating my rights as I am a federally protected consumer and I have sent many request for this abuse to stop. They are refusing to remove these inaccuracies from my consumer reports since I have requested this to stop as well, many times, more than once since XX/XX/2020. I still believe this is a violation and unfair act that " Credito Real USA finance '' is committing against me.
Consumer complaint received 2020-07-13
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: OneMain Finance Corporation (TX)

On XX/XX/XXXX and XX/XX/XXXX ONEMAIN FINANCIAL accessed my credit file with XXXX XXXX AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX ONEMAIN sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request ONEMAIN FINANCIAL was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX one, and XXXX deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone attempted to deposit a Fraudulent check for {$5000.00} at a Bank Of America in North Carolina with a bank card in my name. I wasn't aware of what was going on due to it being an account I hardly used.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (ND)

I opened a BMO Alto online account. When I needed the money from the account, I transfered the money online, but BMO Alto didn't transfer it to the new bank. They sent emails saying they had put a " freeze '' on the account. I called the bank several times without success to resolve this issue, even though I could verify my identity as they required. They then locked my account from online access so I couldn't tell whether the money was still there. While attention to security issues is admirable, the clumsy, incompetent and unethical way in which they are handling this is improper.
Consumer complaint received 2019-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

when I called fed loan servicing to make a payment the system said I was past due and if I didn't make a payment they would report me to credit agencies.They said I had to make a payment of XXXX $ or I would be reported to credit agencies so I paid XXXX. They still reported me even though I payed. I called to ask about why they did this even though I had paid. They said that it was because they had probably already paid. I then said I would pay my loan off in full but they refused to take the report off. This is predatory and falsifying information just to get me to pay. They violated their word. I want to register a complaint. This resulted in a 71 point hit to my credit.
Consumer complaint received 2019-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo sends out false statements informing borrowers that their refianced student loans are ready to view online when there is in fact a 48 hour waiting period.

I spent 30 minutes of my time on hold and talking with a representative to figure out they had sent me innaccurate information. This is a loss of productivity that for one person is small but for thousands or more could add to a significant impediment.
Consumer complaint received 2019-11-12
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. (SC)

XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX  Keeps stating in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.