davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My card was used to make a purchase of {$3100.00} fraudulently on XXXX XXXX XXXX XXXX. I was completely shocked at the time being, and I tried to resolve this with my bank ( Wells Fargo ) and they were completely unhelpful and ended up denying my claim. I am at a complete loss here and just want my money back, but as uncooperative as Wells Fargo is, I find that, that won't be an option for me if I continue trying to resolve this underlying issue with Wells Fargo.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXXXXXX 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 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 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 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 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 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 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 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 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 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 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 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 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I took out a loan for a XXXX XXXX XXXX in XXXX XXXX. Since then the payments I have been making are {$510.00}. this was purchased from an authorized XXXX XXXX in XXXX, GA and the lending company used was Santander. The interest rate that I was given is 25.4 % interest. There have been a few months where i was late on payments, The total late charges were {$340.00} however just recently on the XXXX of XXXX i contacted them to make the payment for all the late charges as well as the current payment for the month. I also inquired in how to start paying advanced payments and how to get them applied to loan principal. The operator advised us after the recent payment made on the XXXX the account was up to date, and that the way to make sure payments were applied to the loan is to pay the minimum monthly payment each month, and then make a second payment and call them to indicate them to apply to the principal. then i called again on XX/XX/XXXX with the intention to make a second payment to apply to the principal however the operator this time said that the payment originally made on the day prior was not applied to the late fees, but to future payments, and that she would have to make a request or something to have the payment applied a certain way. so essentially, the problem is that these parasitic theives are doing the following : 1 - charging me 25.4 % interest on a car loan that originally cost approximately {$19000.00}, and after approximately 2.5 years i still owe around {$16000.00} usd 2 - now that i am trying to pay off the loan with advance payments, i am getting all sorts of runaround, not clear instructions, no support on how to pay off this loan. 

I dont want to start throwing money blindly at this foreign shady institucion Santander and i am out all sorts of money. 

any sort of help or guidance on how to deal with these people is greatly appreciated.
Consumer complaint received 2018-02-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Most of the problem is explained in the enclosed letter, but the woman that I talked to at the consumer protection bureau said I could ask to have the escrow waved since I am having so much trouble with it. 

I would rather pay my own taxes and insurance myself and save the hassle of the bank paying it for me! 

The only thing that Wells Fargo paid for me in XX/XX/XXXX was my property tax, I paid for my XX/XX/XXXX Home Insurance myself.If you'll notice from XX/XX/XXXX to XX/XX/XXXX they had me in a shortage of XXXX from lender placed insurance that they placed on me in XX/XX/XXXX, but I had insurance in XX/XX/XXXX that I paid for myself.I told them this and they acknowledged that I had insurance in XX/XX/XXXX, but somehow I don't think they wiped out that shortage off my records.I think they made a mistake and they don't want to correct it.You will find this in the bank explanation letter.I want to know why I started out with a shortage of XXXX in XX/XX/XXXX. I want to know where they came up with that amount.

I just went to an accountant and she told me that the {$2300.00} in the XX/XX/XXXX statement was interest accrued on the XX/XX/XXXX lender placed insurance that Wells Fargo put on me and dos n't want to fix. So I think that's where the mistaken was made.
Consumer complaint received 2021-07-06
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. (DE)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX  Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account BalanceXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$9400.00}
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is in regards to Capital One. I recently made a payment in error and now have a credit balance with them. Thats not really an issue as they will just refund the money. The issue is that they dropped my available credit to {$0.00} even though I have a negative balance. I am unable to use the card now and until they refund my overpayment they have all my cash on top of it.
Consumer complaint received 2021-08-19
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. (IL)

Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Had a dispute on charges, was asked to write a letter and mail and fax.Did as asked XX/XX/2020. As of today have not heard a response and the phone is not answered have spent over an hour listening to the recording but no one picks up.It has been over 30 days and I expected a reply before now .Would have liked to resolve with the company.
Consumer complaint received 2022-05-01
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: Santander Consumer USA Holdings Inc. (GA)

XXXX XXXX XXXX XXXX  In accordance with the fair credit XXXX XXXX # XXXX, has violated my rights. 
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.

15 USC 1666B : A creditor may noga treat a payment on a credit card account under an open-end 157 consumer credit plan as late for and purpose.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-08-19
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. (IL)

Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I am a tax ID holder, and I do have credit established here in the US, 1. XXXX  : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to XXXX  or Equifax. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and Equifax about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. 

2.XXXX  : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. 

3. Equifax : I have online access to the free report every month, called my Equifax, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. 

4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.
Consumer complaint received 2021-11-30
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. (PA)

This is XXXX 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, 2021XXXX still nothing from them. The negative items are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  XXXX {$2400.00} Collection XXXX XXXXXXXX {$620.00} XXXX  XXXX {$490.00} XXXX XXXX {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$370.00} ( Original Creditor : ) XXXX {$160.00}
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CAVALRY INVESTMENTS, LLC (NY)

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Consumer complaint received 2021-08-19
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. (GA)

My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX XXXX because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

repeated request to remove pMI from my mortgage payment. 
keep delaying the process. 
Finally receive the letter, dated XX/XX/2020, from pennymac stating that PMI has been removed on XX/XX/2020. However, the online payment page on PennyMac website is not updated, dated XX/XX/2020, and my mortgage payment for XXXX is due. I do not want to pay the penalty or the PMI which Pennymac stated has been removed.
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/XXXX, I opened up a PayPal account to receive money, a total of {$50.00}, from a distant family member. I received the money into my PayPal account and began the transfer from my PayPal into my bank account. I first started with the instant transaction option which charged my account {$0.00}. A day later the money was still in pending status. I made a phone call to PayPal and they put the {$0.00} back into my account. The money has been in a pending transfer status since that day and I have called them several times within the past month. I have been told to wait 24-72 hours every time I made a phone call for them to trace or complete the transaction but I have not seen any progress or any emails regarding the situation.
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (LA)

I contacted XXXX XXXX XXXX on XX/XX/2021 by mail to send all required paperwork showing their right of repossession and that repo did not violate Louisiana Law. According to the FDCPA and FCRA 14 days is given for a response. No response from XXXX XXXX. Sent a follow up letter on XX/XX/2021 No Response. I disputed collection account on my credit file with Experian, XXXX, and XXXX  also provided documentation of XXXX XXXX failing to respond. The account still remains on my credit file. The only explanation given is the account was validated. This account is blocking my ability to obtain new credit.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

A refund was returned to my American Express gift card in the amount of {$130.00} shortly before the card expired. XXXX of XXXX was suppose to sent it via check in the mail. XXXX stated they have sent the refund on their part. I called American Express and spoke with a supervisor on XX/XX/2020 and I was promised a refund check of {$130.00} by XX/XX/2020. I called American Express on XX/XX/2020 because I did not receive the refund check. I was given the run around and I was told there was not check in the mail by the manager XXXX because the card was expired.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo Mortgage several times on providing me with a real time statement during the year a payment in XX/XX/XXXX was missed doing the crucial time of the pandemic. I never received a proper real time statement showing why the late fees were erroneous being charged. I requested an explanation an not one could provide an explanation. Instead I was sent a letter stating if I did not pay a large dollar amount of {$2000.00} my loan would be accelerated on XX/XX/XXXX for foreclosure. I am a victim of the Wells Fargo Mortgage XXXX XXXX for {$3.00} XXXX. I have been charged erroneous fees and I believe I am due some escrow in which Wells Fargo Mortgage is holding as of today XX/XX/XXXX. I am requesting assistance with investigation of this matter.