davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

I applied for the wells Fargo cash advance credit card XX/XX/XXXX and deposit a balance transfer check of {$16000.00} I received in mail on XX/XX/XXXX from Wells Fargo cash advance credit card department following the instruction provided by their customer service rep. 
It was cleared on Sunday XX/XX/XXXX and I started to pay off other credit cards and bills on XX/XX/XXXX like the customer rep suggested.But it turned out Wells Fargo Credit Card Department voided the balance transfer check later on XX/XX/XXXX which resulted a {$9500.00} cash advances kicked in my Wells Fargo due to that Wells Fargo balance check voided. 

So, I went to the branch at XXXX XXXX XXXX, XXXX, Pa for help and private banker XXXX helped me escalate the case on XX/XX/XXXX and she called me back 2 weeks later as she promised and told me that the issue was resolved, all the overdrafted fees were waived and the {$9500.00} cash advance was corrected to balance transfer like I initially planned. Also, I was told that there would be no interest will be charged and I could complete the remaining amount of {$6800.00} ( $ XXXX- {$9500.00} ) balance transfer and take advantage of the 0 % interest if I want.So, I did the balance transfer of {$5900.00} on XX/XX/XXXX. However, I realized there were intrest charged and has been calling for having the issue resolved. Wells fargo refund intrest of {$540.00}. 46 but refused to refund the remaining intrest of {$1300.00}. 89. To avoid being charged continuesly, I ended up paid off all the balance transfer and the cash advance on XX/XX/XXXX since the banker told me any extra payment I made every month would paid towards balance transfer amount only but not the cash advance balance and I could not just pay off the cash advance balance first. I have submitted complains to their escalation team more than 4 times and just received their last final notice from XXXX XXXX. from Executive Office Case Specialist on XX/XX/XXXX and they still refuse to refund all the intrest they charged. Also, the last case was assinged to XXXX XXXX on XX/XX/XXXX before I received the letter. I had options to use other bank 's balance transfer benefit and also resolve the cash advance intrest charge if they did not tell issue was resolved and their misinstruction to begin with. So, I demand them refund me the remaining of intrest of {$1300.00}. 89 they unfairly charged.
Consumer complaint received 2021-07-14
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: Bread Financial Holdings, Inc. (FL)

Im building my credit so I check it every so often. so I wake up one day to see that I had hard inquiries from comenity bank/ XXXX XXXX XX/XX/2021 and XXXX XXXX  XX/XX/2021 I have no knowledge of these accounts an I want them removed ASAP please an thank you
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WI)

On my XXXX  credit report, an account with Comenity BankXXXX  appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to Comenity. XXXX  and XXXX BOTH report this information accurately, but XXXX   does not. I filed a dispute with XXXX, who has not been helpful. I contacted Comenity and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with XXXX. I want my XXXX   report to look the SAME as XXXX and XXXX, which both have the correct information. Neither XXXX  nor Comenity will take responsibility for this error!
Consumer complaint received 2024-03-19
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: Shellpoint Partners, LLC (FL)

Complain is about Newrez acct. # XXXX On XXXX XXXX XXXX I sent a payment of XXXX to offset the shortage on the escrow balance due to an increase on the homeowners insurance premium. Once I advised a costumer service representative, they told me it was notated on the account, and that I was going to se my monthly payment for the month of XXXX updated to XXXX. But when I accessed my account on XX/XX/XXXX to make the payment for XXXX, the amount was not updated, reflecting a higher monthly payment. So I called customer service, and the collected the XXXX, which was supposed to be the updated amount assuring me that with the notation on the account, everything would update within a week. When I check the account today, XX/XX/XXXX, nothing was updated, except for a late charge imposed on the account for not making the outdated payment posted on the account. So I called, and the customer service told me I was in default due to not making a complete payment. I explained the situation for the third time, and whet the customer service rep checked she told me that no notations have been made and that the escrow analysis I was told was made in XXXX, was not made.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Plus Inc (TX)

When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because XXXX did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the XXXX XXXX and was offered a letter of good standing but not something that will remove the marks from my credit history.
Consumer complaint received 2021-05-24
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 (NC)

On XX/XX/2021 an unauthorized transaction for {$1600.00} at XXXX and {$650.00} at XXXX was charged to my account. The amount is fraudulent, I did not authorize the transactions. The day the activity happened I forgot my wallet at the gas station after getting gas. When I realized what I did I went back to get my wallet and when I got there my wallet was left there but my cards and ID was missing along with the little bit of cash I had in my wallet. Yes I was able to transfer money from one card to another because on the app whether I have a physical card or not your app allows us to see our card information. So I was able to do that as soon as I noticed my card was missing from my wallet. And of course it wasnt no fraud alert on my card because I instantly requested another card. I reached out to my bank and they denied my dispute. Than I sent a rebuttal letter along with a police report and they still declined my dispute.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX guideline violations of closed tradeline account ending in XXXX impacting credit/FICO score. 

Attachments include new complaint, my driver 's license confirming my identity and supporting documentation that highlights the missing tradeline information in violation as per XXXX.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 two separate transfers were made from my savings account into a closed CD without my permission or knowledge. The CD account where the funds were transferred to matured in XXXX 2020. I noticed the two transfers from my monthly statement and immediately contacted Bank of America. The representative I spoke to stated the funds were transferred to the closed/matured CD account and could not locate the funds. After multiple visits in person at a local Bank of America branch as well as numerous hours on the phone, they have not refunded the money stolen from my bank account. Attached is an internal email sent from a Bank of America relationship manager to other Bank of America employees asking for help on the matter. 

The two transfer amounts : {$1500.00} {$1300.00} Claim numbers they gave me : Claim # XXXX Claim # XXXX
Consumer complaint received 2021-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2017 a credit card with this company was opened without my authorization or knowledge I have never had an account with them or authorized anyone to open an account on my behalf. This account was open fraudulently and is a result of identity theft.
Consumer complaint received 2023-03-10
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: MONEY SOURCE, INC., THE (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I like a car at XXXX XXXX Im XXXX Montana. They told me I needed a co signer. Found one and they set us up with first interstate bank. That was XX/XX/ 2018. My co signer who is now the main borrower stole the car. I found out my signature is forged on the banks contracts. All of them. And they confirmed it. Now Im out XXXX $ and no car? XXXX XXXX manager told me hes having dinner tonight with the president of first interstate bank and that I need to watch my back .... XXXX with first interstate bank says its XXXX. I know I didnt sign any documents that first interstate bank has. I was a check for XXXX at first interstate bank and they can take their forged documents and do what ever. Bank took my money says clearly on the contract voided is voided which my signature is voided due to forgery! XXXX is my number. XXXX first interstate bank
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I opened a checking and money market account with TD bank on XX/XX/2019. I wrote them a $XXXX check from my old checking account (XXXX XXXX) the same day to start up my checking account. $XXXX went to my money market fund and $XXXX to my checking account. This is the ONLY MONEY THAT WAS POSTED TO MY ACCOUNT AS OF XX/XX/2019.  I had another $XXXX to be that was transfer to my checking account to TD bank. I called and asked them WHY they are NOT giving credit to my account.  I also received a letter from TD bank TODAY (date on letter is XX/XX/2019 saying it would be 6 days for me to receive my money.  It has been 8 days as of today. When I talked to them, they gave me a poor excuse for an answer. They claimed that my old bank could try and collect my money back but I explained to them that I closed down my accounts with XXXX XXXX 4 DAYS AGO.  I told TD bank, YOU HAVE MY MONEY AND WILL NOT GIVE MY MONEY TO ME. They had no response to that . I told them I was going to file a report with CFPB and that you have helped my in the past.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

After being approved for a JC Pennys account through XXXX XXXX, I was unable to access my mail to receive my new card due to Hurricane Harvey. I explained this to SXXXX XXXX, asking if they could send another card to my temporary address. They declined because it was a " new account ''. Instead, they closed the account. I did not ask or authorize them to open another account. That was never discussed nor requested. 

I also requested Synchrony to cancel my application for the XXXX and XXXX XXXX credit card because of the hassle they were giving me. They did not In XXXX XXXX  store, I applied for credit. The store connected me with a representative from XXXX XXXX. I explained to the sales guy at XXXX and the representative on the phone that I did not want credit through XXXX XXXX and I only wanted XXXX XXXX credit ( which was approved ). I received a credit card from Synchrony almost two weeks later. I immediately contacted Synchrony via certified mail and phone asking them to remove that account. It should have never been opened. 

As a result, XXXX XXXX is reporting several accounts on my credit report. 
( 2 JCPenny XXXX, 2 XXXX accounts, and 2 XXXX XXXX accounts ). This is affecting my credit because it looks as though I have numerous account. This is not true and therefore is not in compliance with The Fair Credit Reporting Act, 15 U.S.C. 1681. They are reporting accounts as closed due to lost or stolen credit cards. I have NEVER reported any cards as lost or stolen. 

I never applied for second accounts nor request for them to. I never received cards for the accounts nor authorized anyone else to.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX, XXXX and Equifax have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We were in the process of selling our home and found out that we had a second mortgage that we knew nothing about on the home. We started to investigate how this happened and remembered in XX/XX/XXXXwe were called by who we thought was our mortgage company which was XXXX XXXX  at that time and they asked us if we needed to get assistance on the mortgage and we said that we would see if they could assist us and the only thing that they asked us for was to send them cashiers checks for an amount and they would get back with us with paperwork but later when we tried to contact them we could not get in touch with them so we knew that someone has scammed us on a fake refinance scheme. 


We never heard anything else until we saw that we had this amount separate on our mortgage. We called but the mortgage company that we have now said that the second mortgage was on there when they received it from the previous mortgage company which was XXXX. We have had 5 different mortgage companies since the origination of the loan. Therefore it is very difficult to know what when and who had a hand in this. The main concern that we have now is about our interest rate which is 5.25 percent which is really high but we were in the process of selling and did not want to refinance because of this. We are just concerned because the payments that we are making are about {$170.00} going toward the principle of the loan and {$600.00} going toward interest. We did not know this until we started to look at what was going on with this mortgage. The date for payoff of this loan is for XXXX! That would mean that we would be paying on the loan for 46 years! We have reached out to the mortgage company but we have only gotten promises that they would look into it and call us back but no one has called us about this as of yet. We believe that we have been caught up in predatory lending.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

XXXX... I was approached, while at XXXX XX/XX/17 and was given their spiel on their services and I said I might be interested. He asked for my address and name. He said to check if XXXX was available in my area. Recently, I downloaded XXXX XXXX and released that XXXX did a hard inquiry on my credit. He never mentioned anything about running my credit. I filed a " notmycreditinquiry '' per XXXX 's advise. After reading a XXXX ton of complaints regarding this matter with no resolution, I am hoping your services will help. We are putting our house up on the market and will need to purchase another home and at this time I have " fair '' credit and want to eliminate any bad karma off my credit record on XXXX.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (PA)

CREDIT ACCEPTANCE : WAITED UNTIL 87 % of the loan was paid to repossess the vehicle the loan was for due to delinquency, the same day I had made a payment, without a phone call or even an email to ask for more first. They just sent the truck over, causing much more to be paid and not towards the loan. This is a scam. 
This company reported increased annually in profits. I can see why with this kind business practice. 
Credit Acceptance annual revenue for XXXX was $ XXXX, a 11.18 % increase from XXXX Credit Acceptance annual revenue for XXXX was $ XXXX, a 12.11 % increase from XXXX. 

I was delinquent with a loan via Credit Acceptance due the covid-19 related issues. I made a {$70.00} payment today XX/XX/XXXX to start getting things moving in the right direction for the month. Approx. 2 hours later a tow truck came and loaded up the car, I talked to them and they said they can wait while I call the loaners since there was a payment just a few hours ago.

The Credit Acceptance representative advised with a payment for an ADDITIONAL {$330.00} he could stop but it had to be now, over the phone. I wasn't able to immediately and the removed the vehicle. I got off the phone and called the bank to move money over and called back to make the payment. This time another representative advised a new total of {$650.00} was due today or they would sell the car for the remaining loan balance of approx. {$2000.00} ( after paying them for several years on a {$16000.00} loan ) After explaining to Credit Acceptance rep that I just made a partial payment for XXXX and when my next pay date was they told me they would wait until Friday XX/XX/XXXX to sell the property for balance unless the {$650.00} was paid in full. I ended the call and was advised by another party this is probably not correct from them and called back and got another representative that advised that given the {$400.00} already paid today that WILL be against the {$650.00} leaving {$250.00} remaining, I paid this amount to process the release to the local tow company. 

Now the XXXX XXXX XXXX hasn't sent to release in 1 hour and 5 minutes and after speaking with them twice, being advised it takes 5 minutes twice, and they assured me they sent it, twice. I am doubting I can get my car back today for work tomorrow at this rate since the local tow company will likely close at some point.
Consumer complaint received 2021-05-24
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: Resurgent Capital Services L.P. (PA)

VNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail.. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (LA)

I rec 'd an escrow analysis which indicated a shortfall of XXXX. The analysis stated my payment would increase apprx {$41.00} dollars a month. I opted to pay the shortage and keep my monthly payments the same. Payment was made on On XX/XX/year> and when I called to confirm that my payment. I was told I needed to pay an additional {$41.00}, The bank has been unable or unwilling to provide an credible and accurate analysis. I am fearful US bank will continue to use dirty tricks to get more money. 

Ironically, the shortage is not accurate. The bank told me I need to have a minimum of {$1700.00} in the escrow account. I would like detailed information regarding the account sent to me in WRITING because when speaking with the reps, answers have changed.