davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/XXXX I received notification that information on my bank accounts were changed - when I called ( XX/XX/XXXX ) I was advised that I need to change my online access and password, after having the escalated to XXXX XXXX ( Fraud ) he indicated that the change occurred because some one internal to Wells Fargo updated my information ( without my knowledge ) that triggered this alert. Stated that I did not want to change my user ID he indicated that he would look at it further and indicated that he would call me back at the end of the day. On XX/XX/XXXX I received a call back from XXXX XXXX - he had indicated that the issue is now that I have been identified as an individual where multiple attempts to access my account have occurred - no further details were provided - I was provided with a case # XXXX and advised hta I would have to get all my accounts replaced - inquired as to why I was not notified of this sooner - he indicated that they tried to contact me - ( advised I have not received an email or call ) it seems that Wells Fargo is the only ones that have issues calling my cell XXXX I receive regular texts from WF on my phone so the story of my cell not working is not accurate, I am also on call 24/7 so my phone does work. There was no valid response as to why I have not been contacted if this was such an urgent matter that needs to be addressed
Consumer complaint received 2022-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OR)

In XXXX of XXXX XXXX pandemic was high. We were unable to make monthly payments with hours being cut at my job due to the pandemic. We used the forbearance and it had ran out. We tried over and over to work with the company to make refinance arrangements and were told no they couldn't. 
In XX/XX/XXXX we applied with XXXX XXXX  XXXX XXXX to help us get caught up and work with Mortgage company. 
We were told not to make any kind of a payment during the foreclosure program. We continued to ask if there was some way to refinance or use equity to get caught up. We were consistently assured during the mediation meetings that there was a solution to this and be able to not go into foreclosure. We constantly had different people represent the mortgage company and they seemed to not know the case or what was happening. The Meditator and Lawyer was consistent with this being able to work out a positive resolution. 
At the end of the mediation period, XX/XX/XXXX, we were told by the mortgage company that they were unable to help us until we were able to pay the arrears in full then to continue monthly payments each month. 
In XX/XX/XXXX, we spoke to the mortgage company about refinancing the house and was told he didn't understand why the underwriters couldn't do there as we have enough equity and finances were better to be able to pay each month. 
XX/XX/XXXX we were served with Notice of Sale of our house. 
XX/XX/XXXX the mortgage company called to talk about payments. In that conversation we were told that they are just a finance servicing company and they don't offer refinancing as an option. 
We feel we have been strung along for months. If they would have worked with us anytime during this process we would not be up to {$37000.00} in arrears and possibly losing our house.
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Coradius International LLC (WA)

I have received what I believe is a fraud - phishing letter in the US Mail, impersonating American Coradius International LLC. 

The letter states that I owe XXXX {$8.00} and that they are a collection agency that I now ow {$45.00}. 

I do have a XXXX account, but I do not owe any money and my account is in good standing. 

XXXX
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (MD)

I recently reviewed my credit report and saw a debt that I do not owe. I submitted a claim yesterday XX/XX/2023, I received word from Hunter Warfield claiming I owe this money. 

I have proof that I paid the apartment complex the money said to be owed. I contacted the property manager when I sent the money order to the apartment complex AND they responded with confirmation of receipt. This is absurd, and fraud.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that several unauthorized accounts have been opened in my name without my consent or knowledge. This is a blatant violation of my rights as a consumer and has caused significant distress and inconvenience. XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I received a debt collection from this company. On my credit report it shows the original creditor as XXXX. I never received a final bill from XXXX and traded my phones in so Im not sure what the amount owed is for. I attempted to contact the debt collector by mail with an offer letter to pay to delete, I dont want this on my credit because I plan to purchase a house soon this year. I sent the letter certified on XX/XX/2021 the letter was received and signed for but I never received any response back, its been over 30 days and still no response from the debt collector. 

I called XXXX the original creditor to get more information but the representative did not have any information to provide, was told to reach out to the debt collector.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Wow i am at lost for words ... .. and I am sorry to bother you once again in regard to Equifax Credit Bureau XXXX I am a victim of Identity theft and i have supplied Equifax with a certified police report about 2 years that list 2 accounts that were manufactured in my name as well as an address that i was not familiar with. 

The accounts were removed as well as the address but up until about 6 months ago they were RE-INSERTED to my credit. I have reached out to Equifax in this regard but it is no use .... the fraudulent entries remain on my credit. Equifax is the only bureau reporting the Fraud and once again XXXX # XXXX and XXXX # XXXX were removed and RE- INSERTED TO MY CREDIT.
Consumer complaint received 2016-06-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OH)

My wife and I have had a joint account in XXXX XXXX XXXX 's stock reinvestment dividend plan since XX/XX/XXXX. This month we were informed by a PG letter dated XXXX XXXX, 2016 that the Transfer Agent had changed from XXXX to Wells Fargo Bank , N.A . effective XXXX XXXX, 2016. We were given an authentication number and a new account number so that we could create a new e-account. However, when I signed into the Wells Fargo website, the legal language specifically wanted us to agree to binding arbitration and other legal wording which essentially would mean that we would have to give up our legal rights to contest any malfeasance by the bank. This is blatantly unfair to us and shareholders of XXXX and other companies. More importantly, it is undemocratic and a clear attempt by this bank to restrict the legal rights of small stockholders like my wife and myself.
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (SC)

In XXXX XXXX I was involved in a consumer credit transaction with Exeter finance. As I'm going through my truth in lending disclosures I notice it says there was a finance charge involved in the consumer credit transaction. A finance charge is the SUM OF ALL CHARGES and does not include charges of a type payable in a comparable cash transaction. You will see in my contract that there is a down payment of {$1500.00}. During my consumer credit transaction, Exeter asked me to put down more money so my monthly payments would be less than what they are. In actuality, there should be no monthly payments because I used my credit card for this transaction. There was also no insurance provided in my finance charge which is a violation of 15 USC 1611 and 15 USC 1605. No one stated clearly and conspicuously what my finance charge covered and did not clearly and conspicuously disclose my right to recission or provided me with the appropriate forms. During my consumer credit transaction, I never received adequate notice. I am demanding to be reimbursed for my down payment and that I be paid by check double the finance charge. I was never given the opportunity to opt out for this transaction to not be reported to a consumer reporting agency
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion for the past four ( 4 ) years when I found out about a chapter filed XX/XX/2017 and dismissed XX/XX/2017. I have sent ID numerous letters, and documents ( that were accepted by the two ( 2 ) other bureaus, but Transunion only make a call and does not follow the FCRA rules when it comes to address and year of birth. Initially they stated the information was provided by XXXX and when I provided proof that XXXX no longer reported the information and found it in error. When that information was provided to Transunion they resorted to only making a call to another third party but has never provided me with proof that the address and year of birth of that account matches my record, because it DOESNT and should be removed per the FCRA
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX- XX/XX/XXXX I had a checking account and a credit card with wells fargo they gave my account number to some other person who withdrew from my checking account and since i had overdraft protection with my credit card he/she kept withdrawing money until he withdrew XXXX. I filed a complaint with wellsfargo but nothing ever happen. After that my credit score wen down and I havent been able to get back to where I used to be
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

Information for Chase Bank On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX XXXX XXXX XXXX ( Bill of sell, XXXX XXXX XXXX XXXX ). 

These are the person who hacked into my computer between XXXX and XXXX. 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks XXXX and XXXX. 


I would like to Know HOW many other fake accounts were set for the elderly up by these two crooks!!!! 

I am A XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

To Whom It May Concern : I have previously submitted a dispute on XXXX XXXX 2016 and XXXX XXXX, 2016 requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process XXXX account was verified and still displays information which is incomplete. 
The following is a list of inaccurate, incomplete information contained in the reporting of 1. XXXX Account was opened on XXXX/XXXX/XXXXhowever there is no payment history prior toXXXX/XXXX. 
2. Balance amount and high credit amount are conflicting XXXX XXXX reporting is incomplete and inaccurate infromation. Enclosed with is dispute is a copy of my driver 's license, a copy of the reporting, documentation of the certified letter
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

While owning a XXXX in XXXX, I signed up for XXXX paid services from XXXX XXXX to XXXX XXXX ( XXXX year ), and when term of the contract was up I did not continue with them. Since then I had never had any business interactions with XXXX and last year ( XXXX ) I sold my XXXX. 
On XXXX XXXX, XXXX, XXXX years after I had worked with XXXX, I received a charge of {$82.00} from XXXX on my American Express XXXX credit card. I called card and reported that I do not authorize this transaction. I called XXXX, and they figured out that current XXXX just recently started a paid advertisement campaign with XXXX. While signing them up XXXX did n't bother to ask them for credit card information because they have my card associated with the same billing address on file. All that because they have a policy in place to keep all credit card information on file indefinitely. This is why my card was charged. Even though my card 's billing address has been changed long time ago. 
When I spoke with XXXX 's billing representative ( XXXX times ), instead of to apologize and offer to refund money, she said that until current studio owners wo n't pay, XXXX wo n't return money back because this is their policy. 
I thought that as soon as they recognize a total mistake on their side ( it was absolute professional negligence ), they will take all measures to correct it ASAP. Instead they offered me to call current business owners myself and ask them to give XXXX their credit card instead of mine. 
It sounds pretty outrageous as we all strive for perfect customer service and XXXX prizes itself of being a site that helps businesses improve their customer services by people leaving their honest opinions. At the same time as we can see XXXX policies are far from perfection. 
Moreover, when new XXXX did called XXXX and provided it with their credit card information, XXXX announced to them that they anyway will not refund my money. They simply do not have policy to refund in place. 
I feel like I am dealing with the company from the XXXX world country so rude and unprofessional all that sounds. 
I need your assistance in resolving this issue. At the same time I believe that XXXX should be forced to change their credit card information storing policies as they violating customers rights.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc. (ME)

I receive daily calls from a recorded message saying that they are looking for a named person who I do not know and that my telephone number and the persons name is somehow associated to my information. The calls are threatening if I do not return the call which I never have.
Consumer complaint received 2016-09-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

I have a 20 year RV loan with Santander Consumer USA. This loan was sold to Santander when the finance company XXXX went out of business. I have now been paying on the loan for 10 years. In XXXX 2016 I decided to start the process of getting the loan paid off early by paying extra on the principle. So I have been sending in an extra payment by mail clearly marked " principle only '', but to my dismay Santander applies each extra payment automatically to interest. If I had not checked online each time none of my extra payments would be credited to principle. Just to note - my loan is paid up a month in advance. As of today, Santander has now corrected the first XXXX extra principle payments but not the third XXXX. Each time I have had to make MULITPLE calls with an " agent '' to get the payment paid to principle. Each time I have asked the " agent '' how to avoid this hassle in the future but do not get a definitive answer. 
As of today - I have made multi calls to get my third extra " principle payment '' applied to principle only - I made this payment on the XXXX of XXXX and it has still not been credited to principle only. When I called today it took multi calls to get through to an " Agent '' and the " chat person '' would not answer any questions except to direct me to call the number that I was already using. This is becoming very, very frustrating.
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NY)

Received a debt collecting letter from TRANSWORLD SYSTEMS INC. for a total of XXXX The letter was addressed to " NONE '' and the only telephone number for the company is a nonworking extension. 

I do n't know what to do about this or what it is even for.
Consumer complaint received 2019-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc. (AR)

ON XX/XX/2019, I APPLED FOR {$800.00} LOAN AND WAS APPROVE, REQUIRES 200 CREDIT INSURANCE SSCAM.
Consumer complaint received 2019-05-22
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)

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

On XXXX I checked my Equifax report ( XXXX see attached ) and noticed an account called XXXX XXXX Account # XXXX, which is furnishing information which is erroneous on my credit report. I then contacted XXXX by letter dated XXXX which I 'm attaching to this complaint. I filed the dispute with Equifax on the account but Equifax claims they verified the information. If you notice in the attached report, the information attached to this account is woefully insufficient. There is no scheduled payment amount, no actual payment amount, no amount past due, no balance amount, and most importantly no date of last activity. How can Equifax be publishing information that is negative to my credit from a company that supplies almost no information related to the account. This is a violation of the FCRA. I dispute this account in its entirety and want it removed from my credit file.
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Recently, I noticed that my bank had charged me an overdraft fee, even when I had the funds to cover a transaction. I looked at past bank statements and noticed that my ending daily balance was sufficient to cover certain transactions yet, the bank still charged an overdraft fee. I called the bank and was informed they can only look back 90 days and per their records, I was entitled to {$45.00} returned to my account. I asked the representative how can I have my account audited through past statements and was told I could not do that. I asked whom could I speak with about it and was told that there is nothing I can do and they can only go back 90 days. To date, they still have not returned the {$45.00} as I was informed and I 've called twice to speak to someone and am left on hold, longest was 47 minutes.
Consumer complaint received 2021-06-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA (NY)

On XX/XX/XXXX I made the payment for my loan, 2 days later I got an email saying my payment was late so I went on and made the payment again. Next day I realize I made XXXX payments, I called lendingusa and asked if they could move the additional payment to the following month 's payment and I was told yes no problem. XX/XX/XXXX I get an email that my payment is late. Today I called lendingusa and I was told my request to move my payment was denied and they applied it toward the principal. I asked to speak with manager XXXX and he told me there is nothing he can do about it and I need to make the XXXX payment. I asked him why was I not contacted and told this so I could have requested a refund and then used it to pay my XXXX bill and I was told that's not there responsibility. How is it not when I was told my payment would be moved to the XXXX payment. But they kept my money and made interest on it and now want me to make another payment. I told them you can refund me my money and I'll pay my XXXX bill with it. Then I was told that will take XXXX weeks and then you will have a late fee.