davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with Bank of America ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from XXXX ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with Bank of America ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (IL)

I have spoken to several representatives at Bridgecrest informing them about the discrepancy they have on the XXXX XXXXXXXX XXXX that I purchased in XX/XX/XXXX. They charged me an outrageous interest amount that is on heard of ( {$26000.00} ) minus the actual vehicle amount of {$29000.00}. The car had XXXX miles on at time of purchase. The dealer specifically asked me how much per month I wanted my car note to be. I said specifically no more than {$400.00} per month because that is around the pice range my previous vehicles were in previous years. I never had an interest rate cost more than the car is worth. I contacted Bridgecrest a few months ago and informed them that my hours dropped at my job. They told me that cant do anything because I signed the contract and they can modify it due to my signature. They said I can refinance the car. I inform them that I will not consider that option at all because they should have given me two brand new cars at a price of {$55000.00}. That is {$21000.00} over my annual income. Bridgecrest is damaging my credit significantly due to their error. They do not want to do anything to correct it and make things right with the consumer. Consumers sign paperwork all the time. They are unaware that they will fall victim of being overcharged and the company dont want to do anything about it. I told them from the beginning I could not afford a {$350.00} by weekly car note. They are fully aware of my circumstances and fail to comply with my obligations such as rent, utilities, car insurance, food, and medical needs. Please someone help me out of this dilemma. When I contact them they do not honor anything I tell them which is the Gods honest truth. Please review they procedures and policies because they do not comply with consumer credit protection rights. Thank you for your time. 

Sincerely, XXXX XXXX Unsatisfied customer
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I have a Care Credit account ending in XXXX. Well a few weeks ago I noticed that a promotional balance was not be applied correctly and that at the rate it was going it was going to expire with interest. I contacted them told them and said I would contact the XXXX. Well a few days after that the account was closed and the reason given -Activity on account with Synchrony Bank indicative of high risk of failure to pay. 
Now this is a totally false accusation. I have had account almost 2 yrs never late paid above minimum and paid all my promotional balances off on time. I feel this is retaliation for me complaining. And here is the proof they went and closed my 4 other accounts with different merchants that use Synchrony Bank. All with same reason. A paypal credit, pay pal mastercard, Dick 's Sporting Goods, Amazon and Car Credit. Some of these accounts had XXXX balance and again never late. I feel they also are closing me because I hardly if ever pay interest and pay off all promotional balances before they expire or pay of in month. I ask you please do a XXXX serach and see that this is a common practice with them. Also Walmart filed suit against them for doing similar practices. This is hurting to my credit report and my relationship with each Merchant. My credit report will support me never being late and also I can show statements that show I paid on time and paid more then minimum most months
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (TX)

I was paying my Wells Fargo Visa card in full as they had perpetrated fraud on the account. This has previously been reported to the CFPB. I called the phone number on the back of the Wells Fargo Visa card as the amount that was reported on the statement was apparently incorrect as there was an approximate {$42.00} still owed on the card. I explained I was closing the card. Wells Fargo said I could pay directly from my XXXX Bank account. She asked for the account and routing number which I gave her. I checked the Wells Fargo Statement and {$9.00} was owed on the card. I called the number on the back of the card again and spoke with XXXX women. They each explained this charge was interest on the card. I explained the card was paid off and closed. I also requested their explanations of this charge be sent to me in writing. All said this could not be done. The last woman I spoke to, XXXX, finally said the {$9.00} would be waived. I agreed. I checked my XXXX Bank acct on XX/XX/2016 and the {$9.00} had been withdrawn without my agreement. I again called Wells Fargo and was told that Wells Fraud Investigators would contact me. I said to please make note that they should contact me in writing only. Yesterday, I received a phone call from Wells Fargo which I will not return. Also, yesterday I received a letter from Wells Fargo Card Service stating, " thank you for using our telephone payment service ... .. ''. for payment of the {$9.00}. I never gave them permission to once again enter my XXXX BANK ACCOUNT for this amount. THIS PRACTICE IS QUITE FRIGHTENING. I have notified XXXX Bank concerning this fraudulent practice.
Consumer complaint received 2016-01-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a checking account from Bank of America. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else.
Consumer complaint received 2021-11-05
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: Bread Financial Holdings, Inc. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-10-13
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. (MA)

I have an account with XXXX XXXX XXXX for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
Consumer complaint received 2015-04-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I had a credit card with XXXX Bank. I did not pay it off and a judgment was placed against me. I paid it off in full in XXXX. I wrote a letter to XXXX, Eqifax, and XXXX I attached the paid in full receipt. I received word from XXXX that it was removed but have never received word from the other XXXX credit bureaus. I did n't even receive word that they received my dispute. I would like this investigated. My name is XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, Texas. XXXX. My email is XXXXXXXXXXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

Someone access my mobile phone without my knowledge and used my Cash App to send {$5000.00} to their Cash App from my bank account ( my debit card was connected to my Cash App ). I discovered this about 12 hours later and immediately reported it to Cash App. I also filed a claim with my bank and a police report as I know the identity of the person who stole the money.

Cash App claims to have " investigated '' and rejected my claim roughly a day later. They never asked for any information other than the transaction details ( receipient, date, amount ).

Cash App 's reason for denying the claim was that they said the transaction was either made by me or by someone with my permission. I have no idea how they came to this conclusion. I requested documentation as to how they came to this conclusion but I have not heard from them yet. Cash App does not enforce any kind of PIN to send money ( I learned recently that you can enable that, but mine was off by default ). Cash App 's fraud department will not talk on the phone and it has been impossible to actually talk to someone directly at Cash App. They had no interest in the police report or anything else ( I tried to give them the report number ). Its clear they just auto-decline all claims.
Consumer complaint received 2022-09-05
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TN)

I had a Ford Fiesta leased in Hawaii when I received XXXX. Ford credit refused to honor the SCRA when I went to XXXX for my XXXX. They said the SCRA did n't apply to me because I was retiring. I did n't receive my orders until about 2 weeks before I had to leave so my only option to ground the vehicle was to pay off my lease of over {$5000.00}. After over a year of disputing and having them literally tell me they did n't care about soldiers XXXX, I am still fighting to get my money refunded.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX account number XXXX for XXXX I called them billing at XXXX XXXX XXXX they dont have a billing for me but for some reason they are showing on my credit report of {$50.00} im asking this be removed from my credit and send the report to XXXXXXXXXXXX thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NJ)

wells fargo is under scrutiny now. back in summer i was promised on uly 1 interest on my card XXXX to be credited it was not now i closed it and i will not pay the interest. i am tired of the greed lies and poor resolution of this bank. all the dumb calls emails leading nowhere its long overdue for accountabillity not paying XXXX dollars also on my business accouint ending XXXX it was closed without my permission AFTER waivers were promised that never came so i did not use the account. 
wells fargo spends a lot of money paying people to do nothing or send dumb emails and scripts but no hep. resolve both please. i am tired of this horrible treatment, wasting my time etc. and lies i had an account opened without my permission too i will be reporting. SHAME on you. i never gave permission to close business account nor was it appropriate to do so
Consumer complaint received 2024-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/year>, I was contacted by my bank, wellfargo ( XXXX ) saying that there is a suspicious purchase. I told them it wasn't me, I was told it was declined. 

Then on XX/XX/XXXX at XXXX, I was contacted again asking if I made a payment to a bill. I said yes. That was me making a payment to my bill. Then, as I was on the phone with Wells Fargo agent I see a wore transfer being set up and sent. I ask for a stop on the wire. I was assured it was stopped. Half hour later it cleared out. 

The amount of XXXX plus {$25.00} wire service fee was all gone from my savings acct. 

I immediately hung up the phone and called wellsfargo myself to make a complaint. They left me on hold for XXXX XXXX  I hung up again and called again. Then was told they can not speak to me I have to go to a branch office to identify myself. 

Branch office was closed by then. So I went Saturday XX/XX/XXXX. They called fraud dept. And they were closed I had to come back Monday. I went on Monday put in the complaint at the branch office. 

Then fast forward to now, I just received a letter stating from the bank that after their investigation they find no fraud and will not reimburse me the money. 


I have call logs, text messages, screenshots of the wire transfer information everything. 

I did not authorize this and I want my money back!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/29 Opted-out third party reporting & Credit Reporting Updates Asked to keep my account open, as I never instructed to close the account. 

XXXX, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # Incorrect non-matching account type- detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

I used Zelles money transfer service in XXXX XXXX XXXX online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her Zelle account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the Zelle Recall Team at XXXX XXXX XXXX to file a claim. They said it would take up to 40 days to investigate. After 40 days. Zelle said that the money was deposited to the recipients account, which it did not. I reached out to the Zelle team again this time with my mom on a 3-way call to verify that she did not receive the funds. Zelle said that the money was deposited to an account that had the same phone number as my mom before my mom registered her phone number with Zelle on the day of transfer. My mom has had the same cell phone number for over 15 years. Zelle said they could not recall my money unless the recipient authorizes them to do so during their claim investigation.
Consumer complaint received 2020-10-19
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)

I MAILED MY DISPUTES BY CERTIFIED MAIL TO THE CREDIT BUREAUS ON XX/XX/2020 AND I GOT A NOTIFICATION THAT IT WAS RECEIVED ON XX/XX/2020. I CALLED TRANSUNION THIS MORNING AND THEY CLAIM THEY NEVER GOT ANYTHING.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY (PA)

I am & have been paying for 2 years a monthly amount to this DEBT COLLECTOR for AMEX. Both the debt collector, XXXX & / or AMEX refuse to stop reporting this debt as un collectable, regardless of my paying for 2 years.
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX I was approached by XXXX Attorney XXXX, located in XXXX CA, who claimed to be representing GE/Stein Mart, a credit card company from whom I had a credit card. I contacted XXXX requesting information on the debt, specifically invoices from the pro ported credit card showing purchases, payments and other information. The initial letter was sent XX/XX/XXXX. A follow up letter was sent XX/XX/XXXX after receiving no response to the first. I have yet to receive the information requested pursuant to the Fair Credit Reporting Act 1681s-2 and the Fair Debt Credit Protection Act. Last month I was rejected for a refinancing of my mortgage by the current mortgage holder, XXXX XXXX XXXX, in part due to this negative item on my report. This card, like several others, incurred a drastic increase in interest without notice and without cause in XXXX. I believe this was caused by a bankruptcy I filed that DID NOT INCLUDE ANY CREDIT CARD DEBT. I never missed or was late on a payment but multiple credit card companies increased the interest rate without notice or cause. I paid the increased interest for one or two years without realizing they had increased the rate. I have filed complaints with the CFPB and the other card holders on other creditors who did the same thing over the the same period and in at least one case the account was removed from my credit reports because it was found that the amount due was drastically incorrect when considering the overpayment of interest. In fact, the credit issuer owed me money. I am certain this credit card falls into the same circumstance but have been unable to get a response so I can perform the calculations to support my claim. I am including calculation of similar instances from another credit card company as an example of what I am certain is the case with this credit card.
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

I went to the emergency room XXXX time in XXXX while I was at the XXXX XXXX I paid the debt in XXXX when I received my XXXX check. I do not recall a XXXX visit to the emergency room.
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AZ)

XXXX XXXX is trying to collect money on a fraudulent account and saying I opened an account with them on XX/XX/ 2020, when in fact i had XXXX as my phone provider in 2020. This account is fraudulent, please remove it from my account.