davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has yet to say why on the day of the California All Purpose Document for Corrections & Power Attorney to why it was presented before me and all the other documents I sign with and by my signature was presented. At the time there should not have been no Notary signing for me or making financial arrangements and making choices on there behalf. It is real strange that it was sign and Notarize by the same person but stated I personally appeared in which I did not. Wells Fargo home Mortgage committed fraud and has yet to justify the document in any truth nothing but deception on there part. 
I'm tired of the games and run around by Wells Fargo to this matter at hand.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Branch mgr hung up on me when I called for balance to be mailed to me because my account is blocked and I have been requesting stops but bank dies nothing continually. I request my balance and all statements which should be {$4000.00} but bank refused. I am refused online access, I am refused my statements. I am refused my money. XXXX branch Manager is upset and hung up on me.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I used Home Depot Store 's credit card to buy an item at the store, and I didn't receive the statement ; however, the next time that I was in the store, I paid for what I had bought. I then received the statement. I called up their credit service department and advised them that I had already paid the bill. I was told that my payment was a couple of days late. The new statement was for the late fees {$38.00}. I told them that the fees were more than the item I bought ( {$34.00} ), and the late fees needed to be removed. I was told that it couldn't be done, so I told them to close the account. 
As of today date ( XX/XX/2020 ), they continue to add late fees plus interests on top of late fees. 
They also reported to the credits bureaus. My credit score has been negative impacted.
Consumer complaint received 2018-06-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

Contact with XXXX and Ocwen and Prior home owner. Paid over 30,000.00 into home tried continiously to contact for information and payments no call back and would not connect me to agent. I finally got through right before they noticed of foreclosure stated there was a bankruptcy, there was not! Tried assumming loan they said to late this was before foreclosure. Called constantly and passed back and forth between XXXX and ocwen then directed to XXXX no listing ... Received harrassment XXXX XXXX to vacate my money is gone me and my childrens things are in our home. Prior owner came and his family becoming violent and destructive to property. I have my agreement signed I have tried even to just forget the previous XXXX as a loss to not have to loose the home for my family previous owners no longer wanted and scammed along with the banks to take our money. As a single mom I have little and losing more is devasting and then through in the abuse to me and my children. What bank does not want money? Its odd to me that I can not even refinance with the bank since the for sale ny owner was a scam. Did they scam me too? No one will answer, I have emailed, called and still no one has an answer .... homeless with a home ... how is this possible?
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CA)

An unauthorized charge appeared on my credit card statement. I contacted the credit card company on XXXX/XXXX/15 and XXXX/XXXX/15. They said they would reverse the charge and investigate but the charge has not been reversed on my account. 

The charge occurred on XXXX/XXXX/15 and the description is www.logmein.com
Consumer complaint received 2017-01-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (PA)

Hi I have been having major issues recovering my money back from google Inc . I and my bank on at least 10 calls to Google on 3 way been trying to recover my funds from them. I filed with my bank because google was contingent to take money from my bank even after being told to stop. I filed XX/XX/XXXX and then my bank gave me my money back. Then google asked for a reversal of my money and then claimed to have sent it back. So my bank and visa did an internal investigation and it came out google lied to me and to my bank pnc. We have tried to call and then google claims they sent funds on XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX and in which all was a lie. I also filed with attorney general in California and google claimed to have sent XXXX in which my bank verified this was a lie. Then google not only lied but stole XXXX from my credit card and my bank account. And are refusing to give the money back. I just like any other person needs there money. So I from XX/XX/XXXX till now have contacted them to get no real response. My bank can verify that I have tried everything on my end but google are living about sending my money back. Then they gave me XXXX reference numbers XXXX and XXXX which my bank claims it is not a real number but something made up by Google. The case number is XXXX that XXXX a Google supervisor claims to have sent a refund of 120 days. The problem is that I filed complaints when it happened and my bank even says that wont cover half of what they owe me which is more then XXXX. But then they wo n't issue my money back after stealing it from me in the first place. So I am asking for help to recover my money. They have talked to me and to my bank on recorded line and stated they sent a refund when in fact they did not. So my bank told me to file with you until I file a Lawsuit.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-13
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. (NC)

XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX XXXX, that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, Experian, and XXXX XXXX ; but XXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXXXXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with Equifax, XXXX, and XXXX XXXX ; but XXXXXXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (MD)

PayPal credit was not willing to work with me during this pandemic. When they called I was offered no cares act support. My income has decreased significantly directly from the pandemic. I was told I had to pay over {$600.00} to bring my account current. I dont have that now. I just saw they closed my account as well. How can you charge {$150.00} in interest when I dont have the resources to pay. This is ridiculous
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX XXXX, and Trans Union ; but XXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as XXXX past due on my credit report. They keep saying they will fix it, but the correction never happens.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

Good Afternoon To whom it may concern, I am currently experiencing a difficult time due to this COVID-2019 Pandemic Crisis. I am currently located in one of the designated hot spots located in XXXX Texas ( XXXX XXXX XXXX Texas ). All five family members in my current household have been diagnosed with XXXX ( Wife, Mother in Law, XXXX kids ( XXXXyear old and XXXX year old ) ). I had recently requested a credit limit to my chase accounts ( Chase Slate 3 years & 11 Months ), Chase Amazon ( ( 3 yrs & 8 Months ), & Chase Freedom ( 4 years, 5 Months ). I have had a perfect payment history and do not have credit cards over the rule of thumb of 30 % except for my chase slate. I unfortunately got declined for this request. Right now when i most need the help they have denied my request. I am trying to raise my credit limit, to ultimately have extra spending power in case any other problems may arise. I have made 48 payments toward my chase freedom credit card, 45 payments towards my chase amazon credit card, and 47 payments towards my chase slate credit card. I reiterate that i have not missed a payment in a single card! This is so ridiculous and not fair at all to any consumers going through this. I cant believe that Chase Bank ( JP Morgan ) do not have a way to attest my decision on my credit limit decline. A XXXX XXXX XXXX bank, does not have this! Inexcusable and i hope this gets sent to the CEO of JP Morgan, and he can read this complaint. It will be the last time i use any of the services of Chase Bank Again. If you need for anything please give me a call. One last thing, the  individual that helped me was ( XXXX from Missouri ), she wasn't even able to give me her last name as per company guidelines. I am very disappointed and furious! I hope to hear soon, and i hope this gets publish so that other consumers may not go through this distress.
Consumer complaint received 2021-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Im having trouble with Capital One credit card. I made a payment on XX/XX/XXXX. I check my account each day, On the XXXX my account showed an error message. Ive called technical support many times, on 3 occasions they outright lied saying my account would be back online in 72 hours. They then demanded a picture of my drivers license ( front and back ) along with a note telling them to update my account with that information. This shouldnt have been necessary as none of my information changed since opening the account. Since my online access has been denied to me, I tried to pay my bill through customer service since my online account is scrambled. It turned out that my account was so screwed up that not even their own customer service could not process a payment. I have never missed a payment, and have excellent credit scores. This problem threatens my credit score since I cant pay my bill which is due on the XXXX of XXXX. All I get are lies from them and no resolution.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Credit Control Corp is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

I also sent the dispute to the Credit Bureaus, but XXXX did not remove the account on their reporting, even though the other creditors already remove the account on their end. 

Credit Control Corp is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2024-03-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I've been paying on my private student loans since XXXX, my Navient ( Then Sallie Mae ) XXXX Education loans currently stand at {$160000.00}. 


I went to the school " XXXX XXXX XXXX XXXX  '', a branch of the " XXXX XXXX XXXX XXXX '', in XXXX and Graduated with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This school has since closed down. 
When I took these loans out, I did so under the impression that it would be possible to pay them back, or at least pay them down. This was an impression that was instilled in me by the school 's financial department when I first visited the campus in XXXX VA. In addition to this, I was repeatedly told that I did not qualify for any other financial assistance, and that these loans were the last and only way. 


When I first began paying back the loans, I was given a monthly payment of $ XXXX to begin with, and was given six months as an initial grace period. The XXXX XXXX itself did next to nothing to assist me in finding work, instead just pointing me to a freelancing site. I struggled to find any employment in that six months, and soon needed more time. When I went to Navient ( Then Sallie Mae ), the forbearance they offered at the time costed {$150.00} each time and only lasted for ~three months each to the best of my knowledge. Due to the level of difficulty I had finding work, my forbearance was used up very early on, and I can no longer rely on them as an option. 


When I eventually was making income, I struggled immensely to make payments each month, as the Navient payments were not the only loans that had been taken out when I was going to XXXX. For many months most of my income was dedicated to student loans and little else. There were times when I was able to get on to an Interest Rate Reduction program with the Navient loans, but those were temporary and my loan amount would quickly balloon again since the interest rates were 13-16 %. As of this day, my normal payment is set to {$2000.00}, and even going on a payment plan will only decrease it to $ XXXX. Despite the difficulty, I managed to keep paying my loans without defaulting, which unfortunately made me intelligible for the Attorney General settlement debt cancellation in XXXX. As time continues, the loans will only increase in price and the monthly payments will become so high that even a payment plan won't make them manageable. 


All this for a school that was closed down due to foul play and has not given me the employment opportunity it claimed it would.
Consumer complaint received 2022-11-06
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. (LA)

They are reporting a XXXX XXXX XXXX on my credit report. I have already contacted the Bankruptcy court to ask if they provided this information to them. They sent me a letter advising they never provided this information to them. I have sent several requests requesting that they remove this information but they refuse to do so.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC (TX)

XXXX XXXX XXXX has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact Scott & Associates via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have had {$300.00} dollars worth of income defrauded from my checking account, and after the bank 's " investigation, '' it was deemed that I made these charges, when I in no way, shape nor form authorized them nor participated in them. 

As a result of this seizure of my funds, I am facing homelessness AGAIN. 

I had a person staying with me for a few weeks, named XXXX XXXX XXXX XXXX XXXX, who took my wallet, while I was asleep and initiated numerous financial transactions all over town. I did not give him the card nor my PIN, and no authorization was given to him. 

I am requesting that this amount plus damages be awarded to me and be placed back into my account. There were cameras at these ATMs and this bank knows XXXX well that I was not the one who withdrew this money from my account. Please assist.
Consumer complaint received 2020-07-13
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. (VA)

XX/XX/2020 I send a request for investigation to TransUnion. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX. 
No Changes XXXX XXXX  No Changes XXXX  XXXX XXXX  No Changes XXXX XXXX XXXX  ( XXXX ) No Changes XXXX XXXX  No Changes XXXX XXXX XXXX Deleted. 

On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, XXXX XXXX XXXX. As of today, I am still able to see this item reflected on my credit report. 

Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX   XXXX  XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020. 

Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. 
I am owed {$60.00} for fees charged incorrectly.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

Loan was with One Main Financial ( XXXX ), XXXX XXXX XXXX, XXXX Ohio, taken in XXXX, 2015 Actual Loan amount {$4700.00}, for 30 months. Total to be paid with finance charge {$6500.00}. Total I paid in 12 months was {$6000.00}. ( XXXX pmts of {$210.00} and XXXX check {$3400.00} ) .In XXXX when I called for pay off amount was given {$2000.00}, but when written letter received payoff was {$3400.00}. When I asked for report of how may payments was allocated ( interest and principle ) they refuse to give to me. I received my last payment of {$210.00} refunded to me. I believe One Main Financial took the total finance charges before applying money to the principle. One Main Financial owes me at least {$1000.00} if not more.