davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: REGIONS FINANCIAL CORPORATION (TN)

Applied for a credit card and was told to sign documents and I would hear an answer back within a week. I applied on XX/XX/XXXX and called the second week in XXXX to check the progress and was told oh you were denied. I found it hard to believe seeing that I have good credit an bank account with them already. However I asked when we're you all going to inform me seeing that I never got the email correspondence I was told I would get. I was told you will get a letter in the mail that was sent out XX/XX/XXXX. It's XX/XX/XXXX and I have still never gotten an email or letter stating I was actually denied or the reason ( s ) I was denied credit.
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Klarna AB (CT)

I sent several emails to Klarna financial services regarding charges that were made fraudulently with my bank. I then went to XXXX to report this account and print out documentation to send to Klarna headquarters. They never responded back to my letter or emails and they continue to harass me via phone calls trying to get me to pay or they are sending my account to collections.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (FL)

I have done business with Ace XXXX for over 10 yrs and never had such unfair practices and delaysXXXX Ace recently suspended my account my XXXX  loan back in XXXX. This action was very bizarre because back in XXXX, Ace had me re verify my identity for the same loan and open a business account. Nevertheless 5 months later my account was suspended again. I request my account to be closed. At the time there were 2 pending transactions that I had to wait to clear. Once resolved I contacted them to close my account they stated it will be closed and a fee of {$15.00} will be charged to issue my check. I accessed my account the next day and still not closed. I contact them and was told I need to verify before closing. I stated this was a delayed attempt to keep my funds since my deposit was from XXXX XXXX my employer since I am a XXXX  XXXX and the XXXX  I received was in XXXX. If the verification was not sufficient why was I able to use my account the last 5 months. Why I am getting the run around in order to close my account?
Consumer complaint received 2020-10-30
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 (FL)

I put my son in XXXX XXXX and they have charged me for a full month when it should only have been half. The charge was {$660.00} made on XXXX. It should have been only {$340.00} and they should give me back {$320.00}. Talk to them and although they admit the problem they do nothing to return my money. They promise to make me a check but they tell me there is no date to give it to me. It's already been 2 months. Being honest with you, it is clear that there is no intention of giving me back my money and they are waiting for me to get tired of claiming. 

I have contacted the WELLS FARGO bank with a dispute and they rejected it with the excuse that XXXX XXXX promises to make a credit but I was very clear with them that I did not need credit because my son will no longer go there. My son said they XXXX XXXX to make him put on the mask. My son has XXXX to go there. 

Due to the bank 's refusal to give me my money, I have had to turn to you. 

Keep in mind that what I am claiming is far below what they should actually return to me since the actual amount should be about {$1500.00} because they charged me for two months without my son going there and I am only claiming {$320.00}. 

I have attached an image with a red square to show the amount in dispute. 

Companies involved : WELLS FARGO XXXX XXXX XXXX Best regards.
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

This collection agency vance and huffman says that I have a collection of XXXX dollars from some company name smart pay. They also say that the account was opened in XX/XX/2019 which is Incorrect I never opened no account for the company they are referring to on that year or any year. I called smart pay and they can not find no information pertaining to any account under my name. This is not the first time that I complain or fight back against a collection agency for this particular account. More then 6 years ago I was contacted by a collection agency about this account and I disputed with the credit bureau and the collection was removed. Now they are hunting me down with the same account, different collection agency and saying that I opened this account on XX/XX/2019 which is false. I disputed this account with my credit bureaus but they don't want to remove this same account again because this company keeps lieing saying as if I open this account recently and now it's in collection. I want this collection removed because I do not recognize this collection as mine and the originator smart pay can not even locate any account under my information which makes me think that this is fraud and it's affecting my credit.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX my checking account was debited for {$260.00}, I contacted TDBANK the same day and advised this transaction was already debited and not authorized by XXXX since they received payment on XX/XX/XXXX. I requested a temporary credit because I knew I had scheduled payments that would be causing my account to overdraft further. Between XX/XX/XXXX and XX/XX/XXXX I received over {$490.00} worth of overdraft fees from the bank. 
I called and tried to explain the issue to the customer service manager XXXX on XX/XX/XXXX but was given the most unneccesary feedback. Instead of obliging to their policy of putting the customers first and going above and beyond she went on to criticize the transactions that were passing through. 
I am a mother of XXXX who has struggled to make ends meet during this pandemic, every dollar that passes through my account is accounted for and budgeted. I would've hoped when an unauthorized transaction passed through the account my bank would have my back to ensure I get back on track. Instead I am robbed with fees and chasitzed for trying to stay afloat during the pandemic.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (TX)

I called Harris and Harris XXXX at XXXX on XX/XX/XXXX. I was inquiring about debt validation and the operator started screaming at me that I know I owe this money and I replied that I am just asking questions to verify the debt. I asked to speak to her supervisors and was placed on hold for 30 minutes. I could no longer wait on hold.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

After having a youth savings account for 10 years or more, USAA decided we needed a signature card. The online banking system said we could do it electronically, but after walking through it with a representative on the phone it would not work. They sent us a paper form, that we filled out and returned. USAA closed the account without notification ( that we received ). I went into online banking and noticed the account was missing, so I started with the online chat. They could not help and asked me to call. I called in, and after an hour on the phone, they told me my form was received, but the account had been closed on XXXX. This week, I have asked 3 times for a manager call back, was advised they would call within 24-48 hours, and no one has called me back. In the meantime, the money we had in an interest bearing account is nowhere to be found, and this is day 10 since the account closed. 

I am attaching the transcripts of my chat conversations, the last chat I had with them this morning has not posted to my documents yet, but I will send it if needed.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (TN)

Im the seller and Im filing this complaint due to the unprofessional handling of the buyers information. During our process I understand that closing get push back sometimes but when the lender reaches out to the seller and disclose personal information about the buyer theres a problem. The lender has discussed sensitive financial information about the buyer and requested another extension. The lender kept in contact with over text and they still failed to preform closing with no communication with the title company or buyer but relaying message with the seller by text. Due to the disclosure of personal information of the buyer I feel it violate there privacy. The time I spent communicating back in forth with the lender has put both parties in a tough position. The buyer now needs to forfeit there escrow and seller needs to start there process over. Now I used to be a XXXX XXXX for over 7 and half yours. Passing others personal financial information isnt ethical. If you need contact information or text messages please reach out but this is not a good practice. Thank you
Consumer complaint received 2017-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (TX)

My payment was {$540.00} a month was never late not once. I would go online and always make my payment for {$540.00}. Then out of no where BB & T said I didnt have insurance which I have had for 4 years.. Then add {$30.00} a month to the loan and I made my payment online it said {$540.00} due not XXXX.. long story short they called me 2 months later saying I was late by {$60.00} ... How did this even make sense?? I have 5 car autos and never been late Now im trying to get a house for my family and I cant over this.. Lawyer is involved also!! Please fix this thank you
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MI)

I received a US Bank reliacard in the mail today. I am not unemployed and I did not request the card. Im unable to get a hold of anyone to cancel it and to figure out why it was opened in my name in the first place. I appreciate your help! Im concerned that someone opened an account in my name fraudulently.
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (AL)

My bankruptcy of XXXX was dismissed and it shouldnt have been. It is causing me hardship. I was homeless with XXXX children and thats one of the reasons I filed the bankruptcy. I was at the end of my bankruptcy in XXXX when me, XXXX of the XXXX kids caught XXXX. Bankruptcy trustee dismissed my case even after I appealed with proof. I was made to file another bankruptcy instead of it being modified because of the situation and losing my job because I could not work. I have wrote many letters and called numerous times trying to appeal the decision and to get this off my credit. Even with proof it still remains on my credit and they also refuse to reconsider the case. Please help me because no one else is trying to help me and my XXXX kids become better and live better in society. I have worked hard and got a place to stay and a great job now, this being on my credit is hendering us from having a better life.
Consumer complaint received 2021-08-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (OK)

I have attempted to resolve the matter since late XXXX early XXXX of 2021. I have received multiple threatening letters to take action including repossession and later told that I could disregard the letters. I have attempted to settle the matter by sending a letter with a check stating it would be for full satisfaction of the amount in late XXXX and it was accepted and cashed but still not settled.
Consumer complaint received 2020-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On about XX/XX/XXXX my husband and I applied for refinancing home opportunity. This event revealed that we had been rejected due to " my '' alleged Collection status on XXXX XXXX XXXX for total of {$170.00} filed on XXXX according to TransUnion Credit Report Agency XXXX XXXX XXXX  XXXX, XXXX, PA XXXX I immediately contacted and personally visited XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX when Mr. XXXX XXXXRepresentative kindly agreed to email me an official statement from XXXX XXXX showing that in fact, I do not owe any balance due to XXXX on my still current cell-number XXXX which I had it since XXXX Furthermore, the account related to this number was classified as " Personal '' until last year when I decided to simply switch from " Personal '' account to " Business '' account retaining the same cell-number. For some reason, XXXX XXXX personnel did not properly closed this " personal '' account, however all balance due were switched to " Business ''  account but in a negligent mistake XXXX XXXX left a remaining open {$170.00} on this " personal '' account. It's worth mention that this account has been closed by VZ and as a Customer I could not login into this old acc #. This is the reason Mr. XXXX could access to this old acc # being an authorized XXXX Representative. I first spoke to TransUnion Representative on XX/XX/XXXX Representative to explain that this Agency needed to correct this erroneous data showing Collection status on my behalf. I spoke to 2 Representative, none of them spoke clear English. I decided to file online investigation at TransUnion website -and also mailed my Dispute to their XXXX XXXX explaining and presenting official document sent by XXXX XXXX reflecting that : 1 ) That old acc has {$0.00} balance due and 2 ) CURRENT account to date reflects NO balance due to XXXX since I am still a Customer of XXXX. TransUnion Credit Report still insists on leaving this detrimental false report on my Credit ( not other 2 Credit Report Agencies are reflecting this mistake ). I consider this to be a breach and abuse against a Consumer on TransUnion part. XXXX XXXX has issued an official document reflecting {$0.00} balance due for both accounts : Personal and Business but still TransUnion disregards this fact. I respectfully request from CFPB your intervention to solve once and for all this issue. Thanks.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MO)

I called AmeriSave Mortgage on or about XX/XX/2020 about a refi, I was assured based on the information I provided it could be done. I have several complaints, no communication, a total change in all the loan numbers, and the appraisal of XXXX that I paid for immediately via credit card, as the loan officer said " he would give me the XXXX bucks back if it didn't go through ''. I owe XXXX on my existing loan and wanted XXXX cash out if possible. The home appraised for XXXX. The next thing I knew I had a request via email, as that is the only way they communicate to send in signed Borrowers certification and Authorization to Release Loan Information. Stating I am applying for a loan of XXXX!!!! When I went in to their document section I noticed my rate had gone from 2.75 to 3 %, my cash out went to XXXX yet I now would owe more than XXXX than I do now on my home. I have called my loan officer non-stop since XX/XX/XXXX and not ONCE has he taken or returned my calls. I went to his manager, it took 3 days and I received an email response at XXXX and a brief follow up message saying my house appraised at XXXX, that explains NOTHING. I have yet to reach him again or get an additional call back, or response to my additional emails. The original intent of this refi was to get a little cash and lower my current payment which was exactly how it began, until I was in the middle of the process then all the numbers arbitrarily changed with NO explanation or communication whatsoever, I don't know how this can or should be LEGAL. Thank you for your assistance XXXX XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (TX)

This company has continuously charged me again and again over the past several years. I have not been able to set up payments due to being without job sometimes or having to pay more important bills. I don't think it's fair to be charged over the years, I also had no idea I could dispute or I would have done this a long time ago.
Consumer complaint received 2017-12-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Omni Financial Corp. (FL)

I was shocked when I reviewed my credit report and found late payment. 

30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

I recently opened a Premier High Yield Savings Account with CIT Bank. I received an email on XX/XX/XXXX that account had been funded. I received my first statement with CIT Bank and the total amount of funds sent to open account was short by $ XXXX. I tried logging in to my account ( I had logged in previously, shortly after account was funded ) and I believe the correct amount was shown in account. When I went to log in today, XX/XX/XXXX, I received message to call customer service. I did so. Customer Service told me I could not access my account and that a " specialist '' would be calling me in 3-5 days. I asked to speak to supervisor and she said same. They would  not give me any information on why a specialist needed to speak with me. It is very upsetting to me that I have to wait 3-5 days to find out what is happening with my monies, not to mention that if I needed the money quickly, I can not have access.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-30
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.