davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received a letter from Chase Bank, which copy I enclose with this letter regarding my inquiry on the previously mailed documents of bank transaction record. Chase Bank kindly sent the letter to XXXX XXXX, who is the joint account holder, and somehow, Chase mentioned me as his wife, not a joint account holder, legally. As you can see, Chase mentioned that the second checks were meant to the cleaning bank which the checks were processed. I do not recollect clearly where our joint account checks clearing banks, but at least, most of my bank checks, which meant the checks of XXXX  XXXX XXXX, should be based in XXXX XXXX  ; since most of the companies I had dealt were based in XXXX XXXX. Maybe, you might ask me later to ask the banks about these companies and I can check by myself since I remember which checks are meant to which companies. If possible and necessary, I would like you to provide the addresses of each branch in XXXX, XXXX  and other states written in the record. 

Also, I received the calls from your company several times on Thursday, Friday, and Tuesday. On Thursday, XXXX XXXX, Friday, XXXX XXXX XXXX, and Monday, again XXXX XXXX called me. I could not understand what they were talking, at least, I know they were trying to mention something about XXXX  XXXX XXXX account and my ID ; especially XXXX XXXX XXXX talked for 3 minutes in my voicemail. I prefer succinct and clear explanation what your company wants since it is not easy to figure out what they want to tell me even if I tried to read the transcripts of voicemail. I prefer the written formats. And I suggest appointing only one person for a possible customer. 
Sincerely,
Consumer complaint received 2015-11-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

My checking account was charged multiple overdraft fees even though I never spent more than the available balance in my account. 

I never authorized Wells Fargo to overdraft my account. If the money was not available, my card should have been declined. 

Wells Fargo misrepresented the available balance in my account which caused me to spend money that should not have been there. They overstated my account balance which was a mistake or an intentional misrepresentation. 

When I attempted to spend the money that was showing up as available my card was never declined which leads me to believe that I was tricked into overdrafting my account so that the bank could collect overdraft fees. 

I have XXXX and do n't track my spending very well. I do n't write checks anymore so that I wo n't bounce them. I set my card up so that it would be declined if I do n't have money. these XXXX things keep me from overdrafting my account. I know that Wells Fargo is aware of my proclivity to overspend based on my credit history, and they took advantage of that. 

One Night my available balance was {$20.00} and the next day I got an email that my account was charged an overdraft fee. I had n't spent any money since the last time I checked my account balance, so I knew it should have been {$20.00} balance, but my balancev was negative {$210.00}. It 's got even worse after fees were added. When my direct deposit posted it brought my balance up to negative {$61.00}. I have {$1.00} in cash right now. I have no idea how I will have food or transportation to work for the next week and a half.
Consumer complaint received 2022-02-09
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX XXXXXXXX : XXXX -- -> : {$440.00} XXXX  XXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX : XXXX -- > {$700.00}
Consumer complaint received 2021-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had late payment reported for my CAPITAL ONE credicard in XX/XX/XXXXwhich i wasn't using since XXXX or XXXX XXXX but still there was around {$2.00} due and made payment since i didn't want my credit to be affected due to this very small unrecognized charges and later i have disputed this transaction with credit card company. Same thing happened with capital one card that i used to have in year XXXX and then i ended up closing the account due to the similar issue. even though i am not using CAPITAL ONE credit card since XXXX XXXX, it again had fraudulent charges after XXXX for XXXX purchases which i disputed again and again i ended up paying for these fraudulent charges to XXXX with different credit card to restart my XXXX XXXX XXXX XXXX XXXX have locked my account due to non payment for these fraudulent charges after i disputed transaction with CAPITAL ONE. this time again i paid for 3 transaction which we didn't recognize to XXXX and on top it hurt my credit so badly. 
if you see my entire credit history, i have 3-4 late payment as negative entry on my history and all of them are with CAPITAL ONE. so somehow i feel my identity or something is leaked and hacked through CAPITAL ONE which have affected my credit badly multiple times. 
and last two time in year XXXX i was promised by CAPITAL ONE representative that they will provide all necessary information to credit beuros to remove late payment information from my credit. but they didn't even do that job appropriately for proofi am attaching the {$2.00} payment that i made in XX/XX/XXXXfor the due payment reported to Credit beuro in month of XX/XX/XXXX 
my question to you, why would someone not bother to pay only {$2.00} which is reported as late payment when that someone have great history of paying bigger amount XXXX home mortgage, car loans, other credit cards, kids tution fees ) without missing any payments.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

Once again, I have filed numerous complaints concerning Ocwen and still they have not responded to my direct issues. They have not given me my deed to my condo free and clear and have not reimbursed me for the {$25000.00} they paid my condo association while we were still in litigation and nothing had been settled. Ocwen is still a mortgage collection company that has disrupted many lives not just mine. They need to be stopped and pay for their wrong. They can start with me.
Consumer complaint received 2016-07-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IN)

OCWEN FAILED TO SEND US CLAIM FORMS OR CARDS AS PROMISED. THEY TRIED TO FORECLOSE TWICE FROM XX/XX/XXXX-XX/XX/XXXX THIS LOAN WAS A XXXX, XXXX XXXX XXXX FRAUDULENT MORTGAGE IN XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX WHEN XXXX XXXX GAVE US OCWEN TO COVER UP IN XX/XX/XXXX AND NEVER RESOLVED THE MORTGAGE FRAUD XX/XX/XXXX-XX/XX/XXXX. PLEASE HELP! 
LOAN NO.XXXX
Consumer complaint received 2015-06-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I am currently purchasing a car, financed by Prestige Financial Services. The day before the due date, the persistent calls, text, and emails start. If I am late the emails become very rude, abrasive and threatening. When it 's brought to their attention the context of the email, the answer is, anyways it needs to be paid. Upon further investigation and trying to refinance the vehicle, I 've found out I owe XXXX on what the car is worth at the moment. The crude and inconsiderate tactics of this company alone makes a consumer not ever want to deal with them again. I have contacted the XXXX previously and the calls, text, and emails stopped for about XXXX months. Only to be turned over to another finance person and the calls and emails are more rude and threatening as ever. I was unaware that there is no grace period available on this loan, however, I always pay the bill monthly.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I bought a condo with XXXX other people ( Husband/wife ) 10 years ago. 
They divorced and he declared bankruptcy. The property was quit claimed over to me. I have been making the payments on the loan on my own for approximately 6 years. The lender/servicer is OCWEN. I have called them numerous times and spent hours on the phone with them. I have sent them the quit claim 3 times. It takes FOREVER to even be able to speak with someone, as they say can not find my name on the loan. I have never received a XXXX mortgage interest statement in the entire 10 years that I had the loan. The loan does report to the credit bureaus. I have recently refinanced this loan, so it is now closed. There was a refund check issued and it is made out to the borrower who declared bankruptcy and quit claimed off the property. I have called OCWEN again and am now being toold I need to send a letter to the research department as they once again can not find any of the documents that have been sent to them multiple times. Again, this problem has persisted for over 5 years.
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2016-09-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland funding contacted me repeatedly over a debt they bought when I had a delinquent charge off from XXXX XXXX XXXX back in 2014. They pressured me into paying it by threatening to sue me and garnish my bank account, and they called me upwards of 10 times per day. 

When I finally paid them, they told me they would delete the account from my credit report. I have disputed this with them multiple times stating that they said they would remove this account from my credit reports, and they still will not do so. 

Due to the fact that they used harassing collection tactics and lied about taking legal action against me, and the fact that there was a class action settlement last year against Midland funding due to their deceptive collection tactics, I request that their account be deleted from all three of my credit reports. 

Please let me know if you need any additional information from me about this and I will gladly be able to help.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Finally, received the corrected report from TransUnion dated XXXX/XXXX/16, file number XXXX, per the response from TransUnion, the authorized user accounts were supposedly removed. However, XXXX authorized user accounts exist still on the report that I am not contractually liable for- the following accounts should be removed : XXXX XXXX XXXX # XXXX authorized user- not liable for account. XXXX XXXX # XXXX authorized user- not liable for account. NXXXX # XXXX authorized user- not liable for account.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). Both reports contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from TransUnion. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... XXXX Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. It is now past 30 days and according to the FDCPA this account needs to be deleted. 

I have brought the fraud as well as this matter to TransUnion XXXX times, ( XXXX Tracking XXXX received XXXX/XXXX/15 ), ( XXXX Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the lack of validation by the collection agency and requesting to delete this account from my credit file. 

TransUnion repetitively delay the process by doing an investigation and responded on report number XXXX with NEW INFORMATION BELOW. If the collection agency can not validate the account within the require 30 days, following the FDCPA it needs to be deleted from my credit file. Upon escalating this to TransUnion, and the delaying of correcting the reporting of this account, this is now a violation of the FCRA and this account needs to be deleted. 

I have been a victim of identity theft which has caused a lot of harm to me and my family. I have been trying to clear up the damages with a lot of friction from TransUnion. 



Attached : copy of the debt validation lettercopy of the debt invoice by XXXX to TranUnionTransUnion reporttracking informationpolice case reportFederal Trade Commision case
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Hello, Wells Fargo is God awful! Consumer beware. 

I deposited an {$8300.00} settlement check from a recent accident I was involved in. Wells Fargo has placed my account on hold and froze my checking account due to suspected fraud. Ive had my account with XXXX for over 7 years and have had a weekly paycheck deposited for over 6 years from the same company. The check was issued by a large attorney based out of Northeastern Florida known as XXXX XXXX. Im sick and tired of XXXX XXXX predatory business practices. I feel helpless and am not sure what to do.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX XXXX I was approved for an account with Simple. In order to fund my new account I would have to link an external account. Once I verified my external account I proceeded to deposit {$2500.00} into my Simple account. A few days later I was locked out of my account because they needed more verification. I sent in all requested material including XXXX bank statements. Days later I received another message saying they would n't accept my bank statements. After going around in circles with my other bank I requested to have my Simple account closed due to the fact that they would not accept my external bank statement. Simple informed me that for some reason they could not return my money or close the account. I put my trust into a company who had excellent reviews only to get denied access to my hard earned money. I 'm only requesting that my funds be returned to me with no further issues.
Consumer complaint received 2016-09-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

Yes, I know I owe Tower Loan in XXXX XXXX XXXX I must say they are so very rude and very disrespectful over there, it hurt my feelings so bad that they treat people and talk to people any kind of way, I was trying my best to do what I could do to pay them the best way I knew how, I 'm not able to pay {$120.00} a month right now, I was able to do until my husband took sick with a condition of XXXX and XXXX XXXX and I was trying to explain to this guy over there whose name is XXXX, he said he did n't care to hear about my husband sickness, and to top it off, I 'm XXXX myself I 'm suffering from XXXX and depressing I do n't have time for all that rudeness toward me I would like for them to treat me the way I treat them and that 's with respect, I took {$50.00} dollars in their to show them I 'm trying my best to pay them I not trying to run from them they would n't take it so if your trying what more can I do besides get me a lawyer cause I ca n't be dealing with all this Disrespecting Me, they need to shut every Tower Loan down!!!!!!!
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MA)

I have a Chase Bank " Slate '' credit card. The interest rate used to be somewhere around 16 % ( perhaps lower - I do n't remember ). I have had this card for several years. Two years ago, I was late with 2 payments. Chase bank immediately jacked up my interest rate to 22 %. I have made my payments all on time since then and my credit score is now XXXX. But Chase refuses to lower my interest rate to something more reasonable, telling me that 22 % is the lowest 'available ' rate and that 's all I 'm going to get. Women ca n't pay those kinds of rates - we do n't make that kind of money! And I 'm over XXXX! I always pay my bills. I 've never filed for bankruptcy. I 've never defaulted on anything. I feel like I 'm getting truly rotten treatment - and this from a bank that was bailed out by my taxpayer dollars - to the tune of XXXX dollars!
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I signed up for a Citigold Checking Account from Citi in XXXX 2016 with a promotion of XXXX XXXX miles if certain conditions are met. The conditions are {$1000.00} debit spend and ( XXXX ) Pay Bills. After meeting the conditions I still have not received my bonus miles. It has been 2 months now and I have been in contact with Citi several times to get the bonus miles posted. I have been informed they would post within " 24-48 hours '' each time, but the miles never got posted. I feel like I 'm being stringed along without a proper resolution. 

I have fulfilled my end of the promotion and Citi is not honoring their end.
Consumer complaint received 2016-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (DC)

I recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as " Hunter Warfield '' and the last number they used was ( XXXX ) XXXX.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (KS)

XXXX scam amount {$1700.00} Wells Fargo XXXX scammed with text phone spoof and session hijack to transfer to account in my name but after it was done was not my account but a bank ( XXXX ) I do not even use. Wells Fargo informed within the hour investigated provisionally refunded then XXXX days later said I did it it was not fraud and took the {$1700.00} back out of my account I did not authorize anything to chase! Please help. Initially received text then the bank called took my money via XXXX. Attaching phone ling bank taking money bank and XXXX transaction IDs
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (MI)

I have contacted them in regards to fraud on my student loan account. I had XXXX other federal student loans that were founds out to be fraudulent. I 've been going back and fourth and filled a fraud case and they keep coming back saying that the amount is mine when it is not. I 'm lost and not sure what to do, I have been able to get all other fraudulent items off of my credit report besides this and they really are no help to me in figuring this out. Mean while the interest keeps going up but the entire loan is fraudulent.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. 
" Illegal and unfair assessment of the account ''
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I am not liable for this debt with regional finance. I do not have a contract with XXXX XXXX XXXX. I have never recieved original contract bearing my wet ink authentic signiture nor have i received a XXXX for tax purposes from such creditors.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Altisource Portfolio Solutions, S.à r.l. (WA)

Company did not send notification of an outstanding debt. No invoice requesting payment was ever sent. Because an invoice was not received, I was unaware that a payment was due.
Consumer complaint received 2015-10-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

My brothers and I have CD 's left by our father that were purchased from Wachovia in XXXX Georgia back in 2007. When he pasted away a few months ago, we went to Wells Fargo XXXX knowing Wachovia was bought by Wells Fargo XXXX to collect on the CD 's, they said there was no records of the XXXX accounts. Wells Fargo told me that CD accounts should have transferred over to their system, but my father 'might ' have cashed out the CDs a few years ago, and that 's why it 's not in their system now. 

We 've asked Wells Fargo to please provide us with some sort of record that the CDs were cashed out, but they are not able to provide us with anything, saying again they show no records of the CD accounts. 

My brothers and I still have the documents for the CDs, with account numbers and purchase date from Wachovia, but we are wanting to know how do we find out if the CDs were REALLY cashed out, or if accounts just went to another bank when Wachovia was bought out. Please let us know if the account number, or copy of the CD documents are needed. 

Any information will be much appreciated. 
Thanks,