davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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: WELLS FARGO & COMPANY (CA)

My small business did COVID testing for industry last year. I tried to take my little band of overworked doctors, nurses, and paramedics on a vacation ( XXXX ) when the vaccine came out ( XX/XX/XXXX ). We booked a " featured '' getaway on XXXX  using my Visa card for a {$8200.00} deposit, then discovered there was absolutely no way to attend, the borders of XXXX have been closed for months. ( Now I'm in XXXX I think it was totally misleading to advertise the booking at all, it's really hard to travel here and impossible to get to XXXX and everyone local knows it, the host was really misleading as well ). 

I cancelled the booking months in advance ( XX/XX/XXXX ) but XXXX never refunded, although the listing said 100 % refund if cancelled 30 days in advance when I put the deposit down. 

I issued a chargeback with my bank Wells Fargo, and they submitted it twice to Visa ( Wells Fargo ID # XXXX, XXXX ID # XXXX ) But XXXX  just gave XXXX bad information saying that they were going to offer me a voucher instead and Wells Fargo can't appeal it. 

At the same time XXXX told me on the site that I was being refunded by the chargeback! They continued to show a refund owing until XX/XX/XXXX, then removed the refund from the account XX/XX/XXXX. ( I have screenshots of all of this ). 

I'm totally at a loss, it's basically outright theft of $ XXXX from my small business and my poor staff never got a vacation. I still can't believe XXXX could get away with it and Visa didn't defend me, why isn't the chargeback system working?
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rolfe & Lobello, P.A. (FL)

This morning I received by first class a Writ of garnishment notice. I have not heard from the attorneys office Rolfe and Lobello, from XXXX, Florida in XXXX years. This is an old debt from XXXX from XXXX XXXX XXXX. My last payment to the attorneys office was in XXXX. Ifrom XXXX, Florida in XXXX years. This is a old debt from XXXX from XXXX XXXX XXXX. My last payment to the attorneys office was in XXXX. I contacted XXXX XXXX this morning and requested to make a payment arrangement and make a paid down payment of {$3000.00} on the total amount owed of {$6900.00}. she was very rude and declined my offer. I have not heard from this company in years and it is near the statute of limitations and Im sure thats why they are threatening me and contacting my employer. I would like to resolve this situation and pay outside of the garnishment program.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I had XXXX XXXX as my electricity provider. When another resident went to move out and call XXXX to transfer/cancel service from XXXX some how XXXX took my apt number and turned off my service with them. I did not authorize this and I was not moving and or switching service to anyone else. XXXX then turns around and informs me all total charges and my balance billing charges had to be paid upfront before I could continue my service with them. I spoke to supervisor after supervisor I've filed a complaint with the XXXX. I am still currently working with XXXX  on trying to from a resolution to this mix up and error that had occurred. Because another resident who was moving out gave the wrong apt number. Today this date I still have not been told by anyone or any collection company about this account going into collections I've never received any type of notices or anything about this account being charged off and sent to collections. But the collections company who took this account has decided to place this account on my credit report without giving me notice and or validation and before a resolution being provided by XXXX.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services (FL)

I have been a with MERCEDES-BENZ FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Saks Credit Card thru Capital One, continues to abuse the account through incorrect fees and poor customer service. 
Refusal to allow settlement on account that was offered by company, continuing to play games and make account accrue additional interest and fees, due to poor account handling. 
Account is being handled in a bias and discriminatory manner.
Consumer complaint received 2019-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I purchased my home in XXXX of XXXX. The loan was sold by my original lender to Loan Care a Service Link Company ( My Loan Care ). Since then I have been over charged for my MIP. They seem to be treating my loan as an FHA not a USDA loan. I was charged : {$840.00} In XXXX of XXXX {$830.00} In XXXX of XXXX {$810.00} In XXXX of XXXX and {$840.00} In XXXX of XXXX I am only supposed to be paying .35 % of the value of my loan which is about {$550.00} a year and that number should be decreasing due to paying the loan amount down. As you can see mine jumped back up to the origination amount. 

I started trying to resolve this issue in XXXX of XXXX with the loan company and they just steadily give me the run around and they promise I'll have someone call me back but that never has happened. I end up calling them and spending at least an hour if not more on the phone every time. 

I have consistently followed the step they ask me to and they do not follow through on their end. I have filed emails to create a paper trail, waited for the follow that never came. Spoken to a supervisor and waited for a follow up that never came and now i am wondering if there's anything that can be done.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I have requested from XXXX EXPERIAN XXXX Copies of XXXX copy And current copy of XX/XX/XXXX I have had identity theft registered with the FTC and confirmed by the office of the comptroller for currency. 
I need the above copies as requested since XX/XX/XXXX And XXXX and XX/XX/XXXX To assist me in recovering
Consumer complaint received 2020-12-08
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. (FL)

A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2018-09-29
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. (LA)

In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a XXXX XXXX credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.
Consumer complaint received 2021-09-21
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. (FL)

I filed a direct dispute with XXXX in XXXX of this year for fraudulent charges on my account. Several accounts were removed from my account. XXXX alerted both agencies of the fraudulent charges. However EXPERIAN is non compliant asking me for a police report for said charges after it has already been proven to be fraudulent. Experian has not removed this XXXX XXXX off my credit report subsequently my credit score has dropped horribly because of their XXXX bias. I spoke with XXXX and XXXX from Experian and neither one of these men were familiar with the Fair Credit Reporting Act. This alerts me for my protection as a consumer.
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMW Financial Services NA, LLC (NC)

On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to BMW Financial XXXX at XXXX XXXX XXXX XXXX NJ US. The wire transfer shows the beneficiary bank being XXXX XXXX XXXX  of XXXX XXXX, XXXX  with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX  which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

In XXXX of XXXX I noticed 6 new collections accounts added for $ XXXX $ XXXX $ XXXX/ $ XXXX $ XXXX {$520.00} i disputed these items and requested debt verifications I received no debt verification and the disputes resulted in a decision of accurate information I contacted the collections agency to find out what dates the accounts became delinquent I was told XXXX and I asked why they were violating federal law by reporting theses accounts as a new delinquent account they said because the credit bureaus made them and I explained I would file complaint and possibly lawsuits if it wasnt corrected and they refused to make any attempt to correct
Consumer complaint received 2019-03-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq.,  remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2020-12-08
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

I noticed money was out of my account and quickly called my credit union 2-3 months ago. I realized some people took money from my account using XXXX XXXX, requested my debit card limit to be increased and applied for a loan in my name. I didn't get any notification or letter that these changes happened.They gave me steps on how to freeze my credit and stated that they would put in an application to the loan department saying I was a victim of fraud and request that I dont have to pay for the balance. They said I will get a call when the process is completed. Today, I received a letter stating the balance is pass due and that they are taking {$640.00} out of my savings/checking account. I called the loan department using the number the paper. The representative told me that the bank never contacted them, but they see the documents in the system stating I did report fraud. They called the bank and said that the application was denied because I could have gave somebody my information and had them call to set up a loan. I am an emotional wreck. When this first happened I was about to move out my sister house, but I couldnt becuase I didnt have the money for the deposit of the apartment. I just moved in with a roommate two weeks ago, becuase I thought everything was going fine. To hear that my case wasn't even looked for months and then denied after I did a followup is crushing. I need help, they want me to pay {$7000.00}. I dont have that type of money.
Consumer complaint received 2018-09-29
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CO)

Hello! 
Let me explain the situation. 
I have a credit card from The Home Depot/CitiBank. I'm always payed my balance in time. But in XXXX and XX/XX/2018 I miss payments, because I never receive any notifications from creditor about my debt. And creditor reported to the credit bureau about late payments. I realized that I have late payments just in XX/XX/2018 when I check my credit score and it was decreased. Now I payed my balance in full.

Now I tried to figure out with creditor how to remove late payments from my credit report. I sent them a letter with explanation why I miss payments. After investigation the creditor said that it wasn't their error. And creditor could not make any changes to fix this error and fix my credit score. Now I'm going to apply for mortgage and fixing my credit score is very important for me.

Thank you and have a great day!
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I attempted to make a half payment today, XX/XX/2019, and the balance on the due date of XX/XX/2019. The purpose of this action is a common procedure to knock about 8 years off the mortgage term. ( 30 year mortgage ). I was told by XXXX @ XXXX office, ID # XXXX, that they do not accept partial payments and would send back my payment if I was to pay partial payment. This would be my first payment due on XXXX Amerihome phone number= XXXX I was solicited by a company unknown to make payments for me in this manner for a monthly fee which I felt was exorbitant. I promptly threw the solicitation mail in the waste basket. I want to make these payments myself and reap the reward. I feel their policy is unfair and possibly illegal.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I work away from home over half of the month, I rely completely on receiving my billing statement every month. For several months in a row one of my cards statement ( Home depo card ) didn't come in the mail and I believe the Home Depo credit company switched to electronic notification without my consent. They have denied this but after I question the company my statements starting in the mail once again. Because of this I wasn't aware that my account payment was due and Home Depo credit services reported a 30 day late on my credit. This is the only negative report that I have and have had for over 30 yrs. I have called and disputed with all three credit agencies several times and no one will remove this negative information. The account is current and always have been except for this 60 day time period when I wasn't receiving a statement. I'm having difficulty refinancing my home loan because of this.
Consumer complaint received 2020-12-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Mortgagor : XXXX XXXX Complainant : XXXX & XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX GA XXXX Loan # XXXX Attention Sir or Madam : We sold and closed on property on XX/XX/2020 and had Suspense Account - {$6800.00} Escrow- {$2100.00} I verified with 3 PennyMac representatives and Escrow representatives and attorney XXXX XXXX XXXX that loan was paid in full and received by wire transfer on XX/XX/2020. 
I called today ( XXXX ) and was told that only {$100.00} was showing as a refund. Our complaint is we should be receiving a greater amount than this from PennyMac. 
Our refund should be {$6800.00} and no less than {$4100.00}. 
Please investigate and help us recover monies owed to us. 
My email is XXXX XXXX
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I was charged two overdraft fees when my account never was overdrawn. Please see attached statement from the bank showing that the PENDING charges were subtracted from the account balance BEFORE the actual transactions were deducted from the balance. The pending charges still have not posted & a deposit went in that would cover them if they did go through. If your account has not gone into a negative balance - it is not overdrawn. I had {$580.00} available in my account & {$570.00} in charges that posted.
Consumer complaint received 2018-09-30
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: LEXISNEXIS (WI)

LexisNexis said they verified a bankruptcy through the courts. This is impossible because the courts do not speak or report to third party agencies. They have failed to properly verify information that was disputed. They are reporting information that can not be verified to the three major credit agencies. This is chasing improper credit reporting through the fcRA. They need to remove the unverified item from all 3 agencies
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions (TX)

I lived in apartments for 3yrs. Always paid rent on time and kept apartment clean. Every 4 to 6 months we had a new manager. I am XXXX yrs old an a good tennant. I could pay my rent on the XXXX with my XXXX XXXX XXXX pension check. They raised rent and the manager let me pay in 2 payments when I got social security check. He didn't charge me late fees. Very kind of him. They new mgr came. She was mean an vicious. She started charging me those late charges. My lease was coming up and iI wasn't renewing. They knew i was moving. I paid everything I owed and ask them to show somewhere that I owed nothing. The apartments I was moving to needed to know that. This was XXXX XXXX. My lease was actually up. So I have copy of ledger page an it says I have XXXX balance. They in XX/XX/XXXX I get letter from rent recovery saying I owe XXXX. No reason or what it was for. So I called an they sent charges to my email. I can't believe this. I did not do any of this. I'm not taking this. I can see clean up. I didn't clean oven or mop floors. I did have a deposit when I moved in XX/XX/XXXX. They no right tovdo this to people. If this doesn't come off my credit I can't get approved for a 1 bedroom apt . my lease is up here XX/XX/XXXX. My son an I share 2 bedroom. I got ta go. But if I don't get this off my credit I won't have anywhere to live. My credit is hurting enough. I use to have XXXX credit score. Bad husband. Please believe in me. People are so bad. How do I send these documents to you. Thank you so much for helping me. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Finance Company, Inc. (TX)

I received a credit monitoring notification a few days ago. The notice was to let me know that a report was received about a negative report about a unpaid account. I was stunned to hear of an account that wasnt paid. We found the number of the debt collector and called them and they stated they purchased the debt from a medical provider. The unpaid amount is {$340.00} claimed by debt collector and by medical provider. Thee day service was rendered I paid {$170.00} that was due and wasnt advised any other amount was due.. Service was done in XX/XX/2018 and after calling the medical provider they claimed they tried to call once and sent two statements to my home. The only notice that I received was when the credit monitoring company sent a notification a few days ago. The medical provider said the debt was sold and they couldnt help me. I pay every bill due and sent to me. The medical provider has no proof that a bill was sent. They could have sent an email or certified letter. Phone calls unfortunately are not safe, you never know who has stolen information using it to commit fraud. The medical provider nor the debt collector ever tried to contact me that Im aware of. I told them the balance wasnt a problem provided I receive a bill for service. The debt collector didnt have bill since they didnt render any service to me. The medical provider said the debt was sold and out of there control. I want my credit cleared of any negative impact from the debt collector.
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BTH Management (NC)

On XX/XX/XXXX I reached out to Plaza services about a debt that I had no prior knowledge of. The representative was VERY RUDE AND SARCASTIC. She refused to put the manager on the phone. She refused to assist me and abruptly hung up on me. I called back to get information on a debt they a attempting to collect that I have no knowledge of and a guy answered laughing in my face, put me on hold for a long time, then another person answered refusing to help me AGAIN.