davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO COMPLAINT XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX Loan # XXXX To whom it may concern : I, XXXX XXXX XXXX, am filling a complaint of UNFAIR LENDING PRACTICES AGAINST WELLS FARGO.

After hurricane Irma hit florida in later XX/XX/XXXX, Wells Fargo Bank targets certain clients to lure them into Hurricane relief program.

And once inter program, they would encourage additional payment deferment program such as loan modifications.

Once, client accepts program and especially are economically impacted by the hurricane.

Wells Fargo Bank will than starts charging unnecessary Fees such as Multiple Appraisal Fees and other late Fees and UNFAIR ACCELERATED FORECLOSURE PRACTICES while in the program.

Also, Wells Fargo Bank pushes into fixing home while in Modification process.

After a few months have gone by, they declined your request and with unknown reason and When you asked the representative the reason for denial. They said is income and another time is too many modifications. Every time you challenge the first reason and they will give you another reason for denial.

Wells Fargo Bank purposely use the hurricane Relief Program to make you late for several months and charge me Unnecessary and Unfair late fees and because client can not pay the arrears. They forced into Short Sale and worst FORECLOSURE.

I AM REQUESTING A FULL INVESTIGATION OF WELLS FARGO BANK UNFAIR PRACTICES IN ORDER TO CHANGE ILLEGAL FEES AND PRE ACCELERATED FORECLOSURE PROCEDURES TO TAKE ADVANTAGE OF EQUITY HOME OWNERS.

I look forward to hear from your department very soon of this very important and unfair treatment from Wells Fargo Bank against it customers. Im counting on you to look into this matter once and for all. I believe even the National Medias need to be aware of this unscrupulous behavior by Wells Fargo Bank.

I WANT TO SAVE MY HOME AND AFTER PAYING MY MORTGAGE FOR OVER 14 YEARS.

I AM ASKING WELLS FARGO BANK TO ALLOW ME TO REINSTATE MY REGULAR MORTGAGE PAYMENT AND TO DEFER THE ARREARS OR PAST DUE PAYMENTS.

I intend to pay the bank every cents that I owe to them minus the unfair fees.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX   Email : fXXXX  Phone : XXXX
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (CA)

* XX/XX/XXXX. A levy was placed on my bank account. Account wiped clean * called debt collector provided by bank personnel, told debt collector this was not my debt and I mistakenly gave the debt collector my information to them ( it was the only way for them to talk to me ).

* since then I have been receiving phones calls, court papers trying to collect a debt that is not mine.

* debt collector has been called to try and dispute but they refuse to talk, unless they are receiving a payment. * XX/XX/XXXX another levy had been placed on my new bank account and the phone calls keep coming.
Consumer complaint received 2020-04-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHECK INTO CASH INC. (KS)

I spoke to XXXX XXXX on XX/XX/XXXX. He stated that he was with XXXX XXXX, a company that is designed to help mediate between people that owe money to companies. He stated that I owed {$1400.00} to Check into Cash from XXXX and they were going to file Fraud and Theft charges against me if a payment was not made. He had my social security number, my wife 's name, and other information that sounded like it was a legitimate claim. He offered three different options to pay the loan off and I chose to pay using the third option which was a total amount of {$650.00} dollars. I explained to him I did not have a way to make the payment that day, I could call back tomorrow ( XX/XX/XXXX ) and make the payment. He suggested that I get a money card from XXXX to be able to make that payment. I went to XXXX to try to get a money card. There were none available. He told me that if he did not have a card on file, he would let Check into Cash know that I was not able to make payment and they would go forward with the charges. I asked him to please send me a copy of the debt that he has and he told me he could not until the transaction was finalized. He stated that he could push the payment off until the XXXX of XXXX if I gave him my card number and it would mitigate the charges Check into Cash planned on filing against me. I gave him my card number. He sent me to his supervisor XXXX XXXX. She reiterated the same information that he had given me and stated that if I called back XX/XX/XXXX with the payment they would be able to lower the payment. When I called to make the payment on XX/XX/XXXX, I spoke directly with her and I told her I could make a payment today and she put me on hold and immediately took out the full {$650.00} dollars. She stated an email would be sent to me verifying that the amount was paid in full within 24 hours. I never received an email. I called this morning, XX/XX/XXXX to see if there was an issue with the email, the number goes straight to voicemail then tells you the voice mail is full and there is no way to leave a message. The money was pulled out of my account on XX/XX/XXXX as going to XXXX XXXX.
Consumer complaint received 2020-10-12
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. (GA)

I have noticed that there are accounts not mine. I would like them removed. I am in no way a credit repair or mortgage company. I have sent you my personal information as well. Thank you.
Consumer complaint received 2021-02-27
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. (NC)

XX/XX/XXXX TRANSUNION and XXXX continues to violate a host of my rights as a Consumer. 15 usc 1681b ( 2 ) and 15 usc 1692. They are breaking federal law. They are infringing upon my right to privacy as a Consumer and continue to damage my reputation. Whats the point of having FCRA and FDCPA Laws if they arent going to be enforced? How are they getting away with this? I want the accounts attached to this complaint removed immediately or I will seek litigation and get what Im entitled to under 15 usc 1681o and 15 usc 1692k. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

Ive asked speedy cash loans multiple times to work with me and also stop reporting negative information to XXXX. Also Ive asked the US department of education to help me with their account and stop reporting information that is an account older than 7 years
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I was a account holder at wells Fargo for many year, before I decided to apply for a credit card. I was not approved for a regular credit card, but I was approved for a {$400.00} secured credit card on XX/XX/XXXX. Around XX/XX/XXXX they allowed a car rental place to over charge my secured credit card. And closed my card immediately. When I called them they said you went over your limit. So I asked them how? They told my the car rental over charge me and there's nothing I can do to reopen the account. And when I tried to pay they deny my payment. And once I did pay the account in full. I never received my {$400.00} back plus I payed the total amount. They made me pay a {$1000.00} plus they took my {$400.00} from the secured credit card. Because they did not applied it the bill amount.
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MI)

I was informed by my XXXX insurance provider that my premium was increasing, so I decided to switch to another company that offered a more affordable rate. Following my new insurance company 's request, I contacted my mortgage company to inform them of the change. They assured me that they would reach out to the previous insurance company, which was still listed as my current carrier in their records, and inform them of the switch. Furthermore, they mentioned that they would forward the unused portion of the insurance money I had already paid through my escrow account. 

However, I later received a letter from my mortgage company stating that I had been without insurance for the past year. They informed me that they had contacted the insurance company listed as my XXXX insurance and discovered that I had canceled my policy last year, implying that I had been uninsured. Naturally, I was quite concerned and questioned my mortgage company about this revelation. I asked them who they had been paying from my escrow account if I didn't have any insurance, and why I hadn't been notified about the situation. A whole year had passed without insurance coverage, and I hadn't received any communication from my mortgage company regarding this issue, leaving me vulnerable to potential accidents or unforeseen events. 

To my surprise, I recently received a letter giving me a mere 10 calendar days to pay the outstanding amount for insurance that I didn't have and hadn't been paid for by my insurance company. It turns out that my mortgage company had not made any payments to any other insurance company from my XXXX  account, except for what they believed to be my insurance provider. Despite the lack of coverage, they are now demanding payment for insurance that I didn't receive. This situation raises questions about why I should be responsible for paying for insurance when I already have coverage through my new insurance company.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: New Century Financial Services, Inc. (DE)

NEW CENTURY FINANCIAL has been garnishing wages from my check with the name listed as XXXX XXXX XXXX that is not my name nor have I ever done business with that company. I was a child the debt comes from 1999. It shouldn't legally even be listed beyond 7 years if it was. Its ruining my quality of life garnishing my wages for debt I didn't create. I already filed a police report which I will put in the document section from someone using my name in ohio I never lived there either. I would appreciate if the information would be removed, I paid to have my credit cleared last year with police reports that was cleared and proven not to be me. The money taken and amounts is included in my documents in this complaint.
Consumer complaint received 2017-01-01
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (WA)

My wife and I have been XXXX and XXXX XXXX account members for a long time. We were notified last year that XXXX XXXX was no longer going to be XXXX 's credit card company and that we would be issued new accounts. We contacted and closed the account with XXXX XXXX. Apparently at some point Citibank created a credit card account without our permission, XXXX charged that account for a membership fee ( {$50.00} ) and in 3 months Citibank assessed {$70.00} in late fees on the account. Now after an attempt to reason with the Citibank they have sent a letter by someone named XXXX XXXX in their Security Department stating because the account was " transfered '' from XXXX XXXX not " created '' by Citibank we are responsible for it. XXXX XXXX states in the email this issue is closed, Citibank will no longer to respond to the complaint, and Citibank will continue sending statements until it is paid in full. XXXX XXXX does not provide contact information to reach out to him, and never have I been allowed to speak to anyone higher level than a customer service representative. I would like to know if Citibank is doing what XXXX XXXX has been doing and if there are others that are being extorted.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (AP)

Hello, Using binance.us/en/buy-sell-crypto, I purchased XXXX. I bought over the course of several days and mistakenly incurred a " chargeback '' ; I thought I had more in my bank account with US Dollars than I actually had. I purchased XXXX without keeping track of my starting value in the bank account. I expected that the system would keep track well enough for me, as I was not making purchases more than once a day. That was an honest mistake and it was my fault. Binance.us locked my account, not allowing purchases or withdrawals until the chargeback was taken care of. No negative account was visible ; I had to contact customer support and wait over a week to find that the corrective action was to deposit {$5000.00} US Dollars. After learning this, I made two deposits, one of {$200.00} and another of {$4800.00}, which satisfied the requirement. My bank account shows that the money was sent to Binance.us. I contacted customer support and requested my account be unlocked. I followed up by replying to a support ticket email numbered XXXX on XX/XX/2021 stating that I had made the deposit and requested the account be unlocked. I have had no response and opened another ticket numbered XXXX on XX/XX/2021. Throughout this period of time starting with the first support ticket opening, I have attempted to contact binance.us support through twitter @ binanceushelp ( my account being @ XXXX ) to no avail.
Consumer complaint received 2020-07-15
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. (CA)

I have provided a police report to remove a fraudulent auto loan that was reporting on my credit and it continues to be reporting even after providing all the needed paperwork. I was not aware of incident until recently when I had my credit report run to obtain a credit card. I was informed I had defaulted in my car loan account and was credit was denied. I tried to dispute it with the credit bureaus without any success.Today XX/XX/2019 I got a letter in the mail stating that I owed a very high unpaid balance on a car that was repo and sold by XXXX. This is not my car, i have not purchase a car thru XXXX in years, so I feel that someone is using my personal information to obtain credit
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (KS)

I filed dispute charges with sofi bank 130 days ago. I keep getting hung up on and getting no answers from them by email they told me this would take 90 days and noone seems to do their job here
Consumer complaint received 2020-07-14
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. (CA)

I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my behalf.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NV)

Chase claims that my interest rate is XXXX. In reality this is not true as they compound the interest DAILY which means I am paying interest in interest. This my 14.99 % APR means I really pay 16.16 % ( EAR ), thus u have to go thru the fine print and u see they compound it daily which costs me a lot of money annually, quite a bit on my XXXX balance. This is wrong, deceptive, and has been allowed too long. If they say 14.99 % APR it should be that way where interest is only compounded annually. Since they claim XXXX instead of XXXX they are defrauding the public in the name of corporate profits. I know that due to intensive corporate lobbying that this is unlikely to change as they make billions from these shenanigans. At least publicize them and get them to report the TRUE interset that you actually pay.
Consumer complaint received 2021-02-20
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. (FL)

Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I have 2 prepaid Vanilla Gift Cards in the amount of {$20.00} each. 
These were originally {$100.00} each. {$80.00} per card was used at XXXXXXXX XXXX XXXX XXXX XXXX 
There is a {$20.00} balance left on each card. 
I checked the balances at vanillagift.com and they both show remaining balances of {$20.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXX XXXX XXXX XXXX  I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX
Consumer complaint received 2020-06-29
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. (NY)

I am a person not a credit repair person or company. I am a victim of identity theft and please address my concerns regarding my credit report that is showing fraudulent account. they are on the wrong account they are not mine
Consumer complaint received 2015-05-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (MO)

I receive XXXX calls per day from my financier when I am even XXXX day late on my payment. I answer the phone and tell the company that I am at work and they insist that I explain the situation causing me to be XXXX day late on my payment. If I explain they call back the very next day and demand I explain the situation again. I have asked that they not call so many times per day because it interrupts my work and they make statements saying it is not important when they call or how many times they call but what is important is that I make my payment. I have never made a payment more than 30 days late and I have been with this company for 16 months. They have offered me payment arrangements which I have accepted but the day after the payment arrangement is made and after I inform them of when I will be able to become current on my account they resume the harrassing phone calls. XXXX of the CSRs made a disrespectful statement about me having to accept the terms of the payment arrangement. He said " Well you only paid {$50.00} dollars '', which was the amount they offered for me to pay to become current on my payment. They begin calling at XXXX XXXX every weekday and saturday and even called XXXX times on XXXX XXXX. They stop calling at XXXX XXXX each day. They very seldom leave voicemail messages but when I call XXXX of the XXXX phone numbers they regularly call from it is this company.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.
Consumer complaint received 2020-06-29
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: Credit Collections U.S.A., L.L.C. (FL)

I received a service from a medical facility whom did not bill my insurance correctly. The bill is {$1500.00}. I contacted the medical facility many times and they refused to resend the bill to the appropriate insurance for payment. When I last spoke with representatives form the company, they said it was too late to bill the insurance and have sent it to collections which is negatively reflecting on my credit and hindering me from purchasing a home. 
This account could have easily been paid in full if the medical staff/billing person would have completed the tasks properly to bill the correct insurance.