davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

Offer email received on XX/XX/XXXX from BestBuy. 

This offer is only for the My Best Buy account associated with this My Best Buy Visa Card. Activate offer and use your My Best Buy Visa Card to make at least XXXX purchases that total {$300.00} or more outside of Best Buy or XXXX XXXX XXXX  & XXXX XXXX  between XX/XX/year> and XX/XX/year> and get a {$40.00} promotional reward certificate. Promotional certificate valid for 30 days from issuance. Rewards will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Offer is non-transfe I made all the purchase before XXXX and didnt receive the rewards till now. Agent is giving false information that it got credited and expired.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (NJ)

On XXXX XXXX, 2017, I went on the website of Plaza Home Mortgage XXXX XXXX XXXX XXXX to pay my XXXX 2017 payment. The was accepted and i received a confirmation that the payment was received. I fact, at the bottom of the confirmation page it states " Your payment was successfully completed. Thank you for your payment. Please retain your confirmation number for your future reference. NOTE : Payments may take up to 2 business days to post. however, the transaction will be effective for the date submitted. '' ( Attached as Exhibit A ). This makes PLAZA liable for this payment. On XXXX XXXX, i received my paycheck and logged in to my bank account. i noticed that the mortgage payment had not been deducted from my account. I called Plaza Home Mortgage to fine out why. I was told ( 1 ) my payment was rejected by Plaza and ( 2 ) the mortgage had been transferred to another service provider on XXXX XXXX and that i would be receiving information and ( 3 ) my next payment was not due until XXXX XXXX. I asked them why that was n't noted online on XXXX XXXX and the representative did not know. I said okay thank you. 
As of XXXX XXXX, i had received NO NOTICE FROM PLAZA that my mortgage was being transferred. TO DATE ( XXXX XXXX, 2017 ) i have received no notice from PLAZA. In a letter dated XXXX XXXX, which i believe i received on or about XXXX XXXX, I received notice ONLY from the new service providerXXXX ( attached as Exhibit B ) that they were the new service provider. 
I established an online account in order to make the XXXX payment. On the XXXX 's website, it was listed that my next payment to them was due XXXX XXXX, 2017. Therefore, I made an additional payment with this money on my credit card due to the information i received both from XXXX 's website and Plaza representative. 
In then received a statement from XXXX stating that i owed XXXX 's payment. ( Attached Exhibit C ). After trying to resolve this matter with both XXXX and Plaza, i have been unsuccessful. I do not have an additional payment now to be made to bring my account current. 
Plaza insisted when i tried to resolve this matter that they mailed me a notice. I asked if they had proof of delivery or mailing, i was hung up on. 
I am requesting that the XXXX payment be removed due to Plaza 's lack of timely notification to me that a transfer was taking place that they are required to do.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Even after my initial complaint filing, I am still being wrongfully treated by Wells Fargo. For the past several months they have nothing but to make me jump through hoops, and even with my initial complain filing they still asked for the same documents over and over again and what 's the point of my relationship manager. I 've only spoken with XXXX XXXX a handful of times, and do n't recall anytime where he actually answered the phone, so I had to speak with several other people who, and again, as always had a different version of events, told me different things are needed, and gave me different advice. It 's like they are only going through the motions, and after months and months of more run-a-round, they declined my request for mortgage assistance because they claim my house was vacant!? This is 100 % false and impossible because at the time there was a Tenant in the property who was paying {$4000.00} per month. No one pays {$4000.00} per month and not live in a property. Wells Fargo knew this because they received copies of the rent check several times ... because they asked for it several times. This unfair denial caused the Tenant to become unformfotable and he vacated the property, causing me to move back into the property as my primary residence, and as required I inform Wells Fargo of any change of circumstances, ... and they did nothing but deny me! Are n't they supposed to work with me? Additionally, in the denial my income was calculated wrong. I brought both of these issues up to XXXX XXXX, who did n't care one bit. I was provided a 20 day appeal period and I appealed their decision and it was denied the same day! and when I ask why?, they will not provide me with a reason. XXXX XXXX just told me that it would take 5 days to close out the file and to re-applyI waited 5 days and reapplied. But the file was n't still closed internally. Apparenlty someone else needed to push a button to close the file, and it was n't until around XX/XX/2016 that someone finally pushed the button. My file was routed to the Wells Fargo reentry team, I was put on hold for about 20 minutes and when she came back, I was asked to send in items to prove my occupancy, and I did just that, and again ... it took them less than a day to deny me. This time I 'm denied because my loan is almost 3 years delinquent. Since when was this a provision of HAMP?, and it seems rather convenient that days before the HAMP deadline that Wells Fargo comes up with yet another excuse to give me the run-a-round. Clearly, they are just taking advantage of the expiring HAMP program to stick it to the homeowner once again!
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TX)

I make payments at the end of the month, they call me several times in the same day, I talk with them every time, they called me 4 times on XX/XX/2020, they were given date, said they are sorry. im working and being harrased
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AZ)

they called my husband and said I owed them for a cell phone bill. We paid it six years ago ( 6 ), a XXXX internet card. We also sent them a dispute letter via XXXX signed receipt. Thy reported it to the credit bureaus XXXX 2015. I called them and told them I disputed this and no communication has been received by me. I have requested a deletion of this account # XXXX, Enhanced recovery corporation XXXX FL XXXX ( XXXX ) XXXX XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (IL)

My personal information was impacted by the XXXX data breach. l have been a victim of identity theft. I have contacted the company to dispute and get the account removed. They have failed to do so. They are aware and acknowledge that this account is fraudulent. I want this account deleted and removed from my credit report immediately and permanently.
Consumer complaint received 2024-03-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

It's been declined online at XXXX and in-person at XXXX XXXX. After calling AMEX, they tell me to keep trying with a different merchant. It shouldn't be this hard to spend a {$50.00} gift card at popular retailers.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-10-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Original creditor determined this was a fraudulent account and was deleted from my credit report. I have sent numerous letters to the collection agency about this and they have not removed this account from my credit report. If original creditor determined this was a fraudulent account why wo n't the collection agency remove this from my credit report.
Consumer complaint received 2017-04-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this is the second time I have disputed this account,   XXXX   XXXX   XXXX  . It does not belong to me. It was put on my account  in   XXXX   XXXX  ,2013 and h as since not reported since    XXXX  2013 .   I  have not been provided with any documents at all. They did n't even respond to  XXXX   XXXX   XXXX  when they tried to contact them to validate in   XX/XX/XXXX .  I looked them up and they are not even licensed to collect debts.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX Bank without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

As of XXXX XX/XX/XXXX, i can no longer transfer funds into my savings account. I receive a system error. Due to the holiday weekend, i contacted USAA on XXXX XX/XX/XXXX to inquire what's occurring. The banking agent attempted to make the transfer on my behalf and received the same system error and forwarded me to Web Support who created an incident ticket : INC XXXX. 
I've followed up onXX/XX/XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time Web Support states they see {$85.00} transfers occurring. I've advised on each follow up call that i set up bi-weekly transfers at the end of XX/XX/XXXX for the entire XXXX  year, thus those are successful, however, manual transfers are encountering system error on my daily attempts. 

System Error message : Something went wrong and we may not be able to process your transfer.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

The Complaint that I have is with MIDLAND FUNDING LLC. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with MIDLAND FUNDING LLC. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
Consumer complaint received 2016-09-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (NJ)

Collection company who stated that did not own debt but was trying to collect on it. sent certified letters to hospital and collection company to validate. hospital did not respond and collection company said I was not entitled to this information. Collection company sent computer generated forms. During my process of trying to get validation collection company after being notified continued to attempt to collect and reported adverse information to credit agencies damaging my credit history.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NM)

Chime states that they are still working on my claim but yet in the same paper they say that there decision is final. this company just lies and lies. i have more than proven that the transactions were not me well before you sent me anything as to why you made your decision You have based your dictions on things that are untrue and things that you say were one way and than when i prove you wrong you say oh no it was this way. ex. on the phone whit your rep i was told that these were in person transactions while i was sitting at work in a different city. yet when i got emails from the company 's XXXX stating that the store was not even open at the time the transaction took place, and had been closed for hours and sent in my work time card, but than you change your story to oh no it was on online transaction. you tell me that i was anticipating the money going into my account. well yes it happens every time i get paid. but it happened before i had been paid and i cant over draft my account more than 20 dollars so how does that work. for a 300+ transaction? 

I have every single time I called in to you written down as well as every email i was sent or i had sent. if you would like to go over them than please let me know that way you can see how contradiction you are
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Collections was trying to collect on an old XXXX card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with this.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because my requests have been ignored by Transunion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (CA)

Dear Sir or Madam : I am writing to alert you that I have been the victim of identity theft, and that my personal financial information has been used without my agreement or knowledge to acquire credit, products, and/or services on the above-mentioned account. I am asking contact from you releasing me from liability for this debt and informing credit reporting bureaus and collection agencies of this fact. Thank you in advance for your consideration of this issue.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank charges a $ 5 monthly fee whenever the " value '' checking account average daily balance for the month drops below {$500.00}. That 's OK and clearly described in their terms. The problem is that they post the fee on the first day of the new period, the day after they send out the statement for the period for which the fee is levied. This means that their customers checking balance is {$5.00} less than the customers expect, and for those customers who live on the edge, might result in hefty overdraft charges. I believe that sticking those unfortunate customers with those onerous overdraft charges as a result of a month long delay in notification of a {$5.00} service fee is the exactly what the bank intended. 

There should be a requirement that requires banks to post any monthly service fees charges on the last day of the monthly statement period so that they are included in the monthly statement.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

About three months ago I visited the website annualcreditreport.com to try and obtain my free credit report from experian. By law the credit bureau is supposed to give XXXX free credit report a year but after repeated attempts to try and receive a free credit report the experian bureau failed to do so for me. I was able to successfully obtain my XXXX yearly free report from XXXX and XXXX without any problems. I do n't understand why experian is violating the law. I only have a problem with the experian credit bureau obtaining my free credit report and to contact them it 's impossible on their website or when you call their is no operators you can speak to. I only want my free credit report that I legally have a right to receive. Again I had no problems obtaining my once a year free credit reports from XXXX and XXXX but I do n't know what is experians problem.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I paid my Kay 's account off in the amount of XXXX On XX/XX/XXXX They charged me XXXX that I was made unaware of. 
On XX/XX/XXXX They charged me XXXX late fee that I was unaware of. 
On XX/XX/XXXX They charge me another XXXX that I was unaware of On XX/XX/XXXX They charge me a XXXX late fee that I was unaware of. 
On XX/XX/XXXX They charged me a XXXX fee that I was unaware of. 
On XX/XX/XXXX They charged me a XXXX late fee that I was unaware of. 
On XX/XX/XXXX They charged me a XXXX fee that I was unaware of. 
On XX/XX/XXXX I was viewing this account online and was going to close it since it was paid off and found there to be a {$30.00} bill I was surprised and paid it immediately. I then proceeded to contact the company to dispute the negative mark at which that time they told me to contact the credit bureaus. I called again and asked for their credit reporting department only to be given the information to contact the credit bureaus again. I closed the account and am upset that I fulfilled paying back the revolving account on time and then proceeded to pay the accumulated XXXX dollars that I was not made aware of.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP (PA)

On XX/XX/2019 I cancelled my auto-pay with US Bank. I did it myself online and just to make sure it was done correctly, I called US Bank customer service to at XXXX. I was assured all future auto-pay was cancelled. Come to find out that US bank still took {$170.00} on XX/XX/2019. I again called US bank 3 times on XX/XX/2019 - asked why they had posted a payment on my account when I no longer have auto-pay and I certainly didn't make any one time payment myself. US Bank submitted a refund request and when I called XX/XX/2019 to inquire about the refund - I were told that the refund was declined due to being over the limit. US Bank explained to me, that the only way I can get my money back is to file a dispute with my bank - I have done so. I am not sure it's a guarantee that I will get my money back. US bank " stole '' {$170.00} from. That money was never authorized to be pulled from my account.I am also filing a police report against US Bank for theft. 

My husband and I are in the process of filing chapter XXXX bankruptcy, so I cancelled auto-pay on all credit cards in my possession. 

XX/XX/2019 @ XXXX XXXX I requested all future auto-pay to be removed. 

XX/XX/2109 2 reference # XXXX ( XXXX @ XXXX XXXX ) and XXXX ( XXXX @ XXXX XXXX  ) I also made a call in between these to timestamps, but call was disconnected. I spoke to a lady named XXXX XX/XX/2019 Called @ XXXX XXXX  ( XXXX ) Called @ XXXX XXXX ( Think his name was XXXX or XXXX ), was so XXXX that I didn't pay attention - both supervisors.
Consumer complaint received 2015-04-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

We took out a loan, that was advertised as no interest loan from GE Capital, now XXXX Bank. We set up the loan to be paid within the time frame they provided for no interest. In the middle of our loan term, my wife noticed that they had automatically adjusted the amount we were paying, lowering it. My wife changed the monthly payment amount back to our original monthly payment amount. In XXXX we had {$180.00} remaining balance. The next month we were hit with a {$2100.00} interest charge, because our promotional period had ended. We never missed a payment, and the only reason the 3 year promotional period ended was because they changed our payment amount, and it took us 2 months to notice, and change our payment amount back to our original amount. I believe that this company purposely, and deceptively changed our payment amount in order to ensure that the promotional period would end prior to us paying off the loan.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX have POA over my Sister, XXXX XXXX since XX/XX/XXXX who is currently in a XXXX XXXX. I am trying to get XXXX for her. One of the requirement is copy of her bank statements for the last five years. I have contacted Capital One Bank on three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting this information. 
On XX/XX/XXXX and XX/XX/XXXX I was told it would take 5 business days to mail this information to me. On XXXX was told by an employee ( XXXX ) it would take 15 business days. This information is needed to complete the XXXX application.