davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Caliber Home Loans, Inc. (TX)

I have been trying for over a year to get information correctly reported regarding a foreclosed and sold home. The creditor (Caliber Home Loans) has constantly informed me that they are not reporting a balance on the loan even though I have given them proof to the contrary. XXXX is reporting the amount with a balance and a past due and refuses to remove the incorrect information. This has done great harm to my family and me, as it has artificially depressed my credit rating for some time causing me to be denied credit and forced to pay greater interest rates on purchases. I am certain that common sense should apply here, but up to this point it is non-existent.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I had a bank account with Wells Fargo they opened a total of XXXX banks accounts approx.. 
XXXX/XXXX/XXXX. I had my account froze because of an error or mistake on my XXXX taxes with Franchise tax board. They said I had owed {$2000.00} back taxes. Wells Fargo manager had set me up with XXXX Bank accounts and XXXX Saving accounts. XXXX total. I did not need the XXXX extra accts. Wells Fargo charged and withheld {$200.00} from me from the XXXX accts as well as XXXX took {$200.00}. I went directly to straighten it out with XXXX XXXX on not owing money. I got copies of my XXXX Income taxes from the IRS. I did not owe them. XXXX sent me a refund 4 months later for {$200.00}. I kept complaining and going into the branch to Wells Fargo bank manager about returning the money they took from all XXXX bank accts. He said it was not in his control to return back my money. I am so upset and want to resolve and retrieve the money the Wells Fargo still owes me. I had to close down XXXX bank accts since then XXXX extra bank acct and extra savings acct. that I did not need. The branch is off XXXX XXXX in XXXX XXXX area. Please let me know what I can do or what you can do to help this issue of getting my money back. Sincerely, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2016-06-04
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

I originally decided to purchase this loan due to my car breaking down. Me being a XXXX I have no extra money to spend. Unfortunately I was told my check would be bigger then it was supposed to be and was not able to pay off the full bal. I received the max amount of phone calls daily. Which happens to be 5. I also asked her to be able to make a payment of half on Friday. Then I realized since I 'm in the military my annual training is coming up and I can just pay it in full in XX/XX/XXXX. I offered a small pymt of {$25.00} dollars XXXX/XXXX/16 at XXXX. She told me that amount that I wanted to pay was to small and she was n't going to process it due to the simple fact it would n't make a impact. She then told me if I do not make a payment they will send this to my bank acct and take it out at any moment since I refuse to pay in full. I told her well if this is the case can you please put me on the do not call list. She said she will not put me on the do not call list because I have a loan and she can call up to five times a day. I recently told them I did not want more then two calls in one weeks due to the fact I 'm aware of the loan. I have indications that they have called way more then requested by me. I have time stamps and voicemails indicating they are not willing to follow these rules. It is completely harassment. Me being a debt collector myself I know you are not allowed to request payment in full within the 1st 30 days. I also know threating to take the full payment out of my bank account because I do not wish to pay it off at once is illegal. I asked her in a respectful manner to put my number under the do not call list and she refused to do so. She has broken multiple rules and has admitted that she will continue to call me as much as possible also threatened to take the money out of my account when ever she feel. In order to take money out of my acct I should receive a later of judgment or garnishment of some sort before anything is taken out of my bank account and I have recived no letters in the mail yet. This is harassment and they are breaking Ferpa laws completely.
Consumer complaint received 2016-04-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

XXXX XXXX refused to deliver {$2000.00} funds as promised sent to a person in XXXX XXXX. Reason is that I did not meet the person face to face and I could lose my money. I informed XXXX XXXX that I may be considered a XXXX holding XXXX XXXX degrees and a XXXX XXXX, was an investment banker at XXXX XXXX and company and the dollar amount was no a significant value for me financially. XXXX XXXX has elevated itself to the level of accepting money on the promise to deliver it to the designated recipient but decide whether it will fulfill it 's contract or not based on some undocumented concern for fraud. The failue to deliver the money as promised caused great harm to the waiting recipient. With the company pretense of preventing scammers from stealing my money, they are acting in the way of a scammer by promising something for money that they have no intention of delivering on.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

I have notified Equifax on at least 3 occasions, both through on line dispute and in writing regarding my credit being pulled by auto finance companies on XXXX/XXXX/XXXX. I explained this was done in error at the dealership and provided them with the manager at the dealership who is working with me to resolve this matter. Equifax did not investigate the matter, when I phoned after the first time in XXXX XXXX, as noted on their decision I had the right to ask of how they went about the investigation, I was told by 2 employees that they do not investigate inquiries. This is not my understanding under the fair credit laws. I am told if it is incorrect that I have a right to dispute and expect my concern to be investigated. It sits there for up to the 30 days they have, then they just keep saying it is valid and to contact the companies who pulled my credit. I have not only disputed this numerous times, they have failed on each occasion to contact XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX Al, and speak with XXXX XXXX who is the general manager at XXXX. He will verify this was done in error. They have failed to do this in the allotted time granted by law on at least 3 occasions and I am respectfully asking they remove all inquiries reported on XXXX/XXXX/XXXX from auto finance companies. I appreciate your attention to this matter. I chose proper notice of investigation since the other items did not exactly fit. They failed to investigate the issue. 

Respectfully, XXXX XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I spoke with a rep this morning @ commentity bank. I tried to tell her i had lost my job but can start making low monthly pmts since I am only making minimum wage. She said no they wont take anything lower then {$200.00} and then threatend me by saying I hope you have a lawyer because were going to sue you. I started to cry because I am young and nearly homeless but am trying to pay back what I owe. I told her i was driving so can she call me @ later time so we can talk about this. She said " nope '' and hung up on me
Consumer complaint received 2016-06-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

So I am told I owe XXXX a month in interest. Last month I paid {$600.00} I made zero progress to pay down. The payments I sent in take 2 even 3 weeks commonly to be processed. Every Friday I get paid and every Friday I put a money order out. They will not take debit online or on the phone and I will not give my banking routing numbers out online with them then having rights to put holds and auto billing in place. I send out money orders with other bills and every other bill clears in a few days, 3 weeks later Navient has still not yet processed the payment. Allowing the interest to build and build and build and so when I pay XXXX in a month that has XXXX a month in interest that end of the month I still am at XXXX balance as I was at the start. How at 6.8 am I paying nearing double the interest for a month am I seeing no progress. Simple take 2 or 3 weeks to process a payment so the interest just grows faster and I never make progress forward as I shell out more to this bill a month to all bills but my rent at present which its approaching. 

I will never pay off the balance even at vastly more then the interest by how they are delaying processing the payments sent in!
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC (TX)

On XX/XX/year>, Orion Capital Solutions called me at work and left a VM with the front receptionist after they had just called my cellphone and left a VM wanting to verify I.D . and location. I have not received anything in writing regarding any type of debt and do not even know who this company is representing. I looked them up and they are third party collection. I called them back and told them they do not have permission to call my place of work and my employer is prohibiting calls from debt collectors. They still wanted me to verify personal details and I refused.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I am a chase business card holder. I spend about XXXX a month on the card. Some months its paid off and then some, other months I dont quite pay it all off ( about 90 % ) however they charge interest on the entire XXXX when the only outstanding balance is about XXXX. They are charging me interest on XXXX when I only have a XXXX remaining balance.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

DISCOVER BANK IS REPORTING AN ALLEGED DEBT TO MY CREDITOR REPORT AS THE COMPANY IS STATING I OWE A DEBT THAT DOES NOT EXIST. I PUT DOWN A SECURED {$400.00} for CREDIT CARD AND NEVER RECEIVED A DEPOSIT BACK AFTER 6 MONTHS, ALSO DISCOVER HAS REVERSED THE ACCOUT INTO A NEGATIVE BALANCE OF {$830.00} DOLLARS. DISCOVER BANK IS PRACTICING UNLAWFUL ABUSIVE BEHAVIOR TOWARDS ME AS A CONSUMER ACCORDING TO 1026.11 - Treatment of Credit Balances ; Account Termination Paragraph 11 ( a ) ( 3 ) 1. Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. 

2. Good faith effort unsuccessful. Section 1026.11 imposes no further duties on the creditor if a good faith effort to return the balance is unsuccessful. The ultimate disposition of the credit balance ( or any credit balance of {$1.00} or less ) is to be determined under other applicable law.

11 ( b ) Account Termination Paragraph 11 ( b ) ( 1 ) 1. Expiration date. The credit agreement determines whether or not an open-end plan has a stated expiration ( maturity ) date. Creditors that offer accounts with no stated expiration date are prohibited from terminating those accounts solely because a consumer does not incur a finance charge, even if credit cards or other access devices associated with the account expire after a stated period. Creditors may still terminate such accounts for inactivity consistent with 1026.11 ( b ) ( 2 ).

11 ( c ) Timely Settlement of Estate Debts
Consumer complaint received 2024-03-18
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: AMERICAN EXPRESS COMPANY (CO)

I received an {$220.00} " American Express Virtual Reward Card '' and it said I could use it online or in store. I've tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX. It's either been declined ( I've tried significantly less charges than funds available ) or the stores have rejected it because it's not a physical card. I am completely unable to spend the funds on the card. I am beyond frustrated at the lies, it's basically been worthless to me. When I tried calling, I couldn't get anyone to pick up
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MO)

Since XXXX of XX/XX/2024, I have been having trouble with online payments for my credit card company, Concora Credit. My complaint is that I want to change my due date from the XXXX of the month to the last of the month. My only viable option is to send money orders and in order to do so and not be considered late is for Concora Credit to change the due date, which they refuse to do.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am the representative payee for my mother. Her social security and pension are paid into a rep payee account. ( See SS website if you don't know what that is : https : //www.ssa.gov/payee/faqrep.htm ). 
She is NOT suppose to have direct access to the money in this account. Her SS check, when it was issued in paper, was made to me for her. For her check to be sent direct deposit, her account needed to be set up as a representative payee account ... so she can not access the money directly. 

Her account is with Bank of America ( Just to be clear, the account is link with MY other accounts. I am the ONLY one should have access to the account. ) On several dates she was able to go into the bank and withdraw cash from the account with a deposit slip from a live teller. ( She then used the cash to buy gift cards she sent to a scammer. ) Dates and amounts are listed below : XX/XX/2021 {$140.00} XX/XX/2021 {$340.00} XX/XX/2021 {$500.00} XX/XX/2021 {$200.00} XX/XX/2021 {$350.00} XX/XX/2021 {$310.00} XX/XX/2021 {$160.00} XX/XX/2021 {$500.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} I called BoA fraud line- because I couldn't find a more appropriate number to call. They lead me to believe it was a joint account. ( Which confused me. ) On XX/XX/2021, I went to the BoA branch where she made the withdraws. ( At the time, I had only spotted the last 3. ) After further confusion, we were told the account was already a Rep payee account and the withdraws should not have been allowed. The bank manager gave me her card. 

Since then I have heard nothing from the branch. I tried to email both the bank manager and the associated I spoke to on XX/XX/XXXX. The bank manager 's email was 'undeliverable ' and there was no reply from the associate. Calls to the branch are not answered and the phone number on the business card dose not lead to either of them -- or anyone at the branch. That branch is currently closed for an unknown reason so it may explain the lack of response. 

On XX/XX/XXXX, I called BoA help line agin. I kept being transferred to different departs and none of them seemed to know anything about 'Representative payee ' accounts. 
Several told me I needed to go in in person ( which I have already done ). I asked what I was suppose to ask for in-person. At least 2 people told me my mom 's name needed to come off the account. I told them this wouldn't work and if they were incapable of managing a Rep Payee account they needed to tell me ( I can't being told it wasn't their department ). No one was able to tell me how to ensure my mother could not make further cash withdraws. ( They are treating it like a joint account. ) At one point I was transferred to the fraud center to submit a claim. The rep in the fraud dept said it would likely be deigned because my mother 's name was on the account. ( I have not yet filed a claim. )
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (UT)

XX/XX/2016, we were in the process of switching from Wells Fargo Bank to another bank as we have had several fraudulent transactions in the past year. The latest one was in the amount of $ XXXX from my daughters and my account to my husbands and my account. About 2 minutes after doing so my account password and address changed and I was notified by the bank by email if I had changed my password so I ran this through their fraudulent dept. a few days later XX/XX/2016 I received a phone call from a women who said her daughter works at the XXXX next door to the Wells Fargo Bank in XXXX, which was our bank at the time. Her daughter went out to the dumpster that sits between them and Wells Fargo Bank and found a bunch of papers scattered around the outside of the dumpster on the ground. When she looked down she saw one that had all of personal information on it so she took a picture of it, then told her mother on Thursday. Her mother said that they needed to contact us which they did from the information that was on the document. The daughter did not pick up any of the papers which mother saw the email address and sent the pictures of the papers which clearly show the paper. The document had our full names, tax ID, address, phone numbers, and full social security numbers on the page. I immediately called the XXXX police which were right across the street, they gave me a case number but said they really could n't do anything about it. The next day my husband went to the dumpster and all of the papers were still there, no at least 4 days laying there. He took pictures of the surrounding area of the dumpster with the view of the bank and the XXXX restaurant and also picked up the document that has our personal info on it, which was page XXXX of XXXX as well as a deposit slip that had someone else 's name and account number. We called the XXXX police again and told them the papers were still out there on the ground and they said all they could do is come over to the bank why we talked to them but we decided not to do that until we spoke to someone else, but the police have documented our information. That afternoon the same girl from Wingers went over again and saw another paper with our information on it, she picked this one up, which my husband had missed. This one said page XXXX of XXXX. This area has a lot of homeless people etc. that look through dumpsters for food. The mother and daughter said they would testify about everything they saw. We would like to take some legal action as we have no idea who might have all of our information. I will attach the papers so that you might review them. Thank you.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

This company continues to violate my rights as a consumer by reporting this account to my credit which I have no knowledge of. I have tried to communicate with this company many times and they have failed to respond or provide any proof that this debt belongs to me. I am unaware of this debt, I did not have an opportunity to dispute this information, if in fact they believe they gave me proper notification then please have them send me the certified receipt with my name on it. I want names, phone number, address and email address for everyone who allegedly validated this debt.
Consumer complaint received 2022-02-13
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: DISCOVER BANK (TX)

I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with Discover Fin SVCS LLC under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from discover Fin SVCS LLC. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. Discover had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.