davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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 (CA)

I had a credit balance of {$230.00} on my Bank of America Visa card and they removed the money from my card XX/XX/2020 and said they sent me a check.I never received the check and called them and spoke to XXXX XX/XX/2020 she said that they would put a stop payment on the check and send me a new check that I would receive in 7-10 days. 
XX/XX/2020 no check so i called again and spoke to XXXX and she said XXXX was wrong and it takes 17-21 days to receive a check. 
XX/XX/2020 still no check, called again and spoke to XXXX, he said he would put a stop on the second check and put the money back on my card and that it would be on my card in no more than 3 days.. 
Here we are XX/XX/2020 and my money has not been credited to my card or returned to me .I am getting nowhere with there customer service people, this matter is looking like fraud on bank of Americas part.  Can you please help me with this matter. 
Bank of America Case Number XXXX thank you
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, an amount of {$9800.00} was withdrawn from my Wells Fargo Checking Account via Bill Pay to XXXX XXXX. On the same day, XX/XX/2023, I called the Wells Fargo fraud line to report that the transaction was fraudulent and they opened a case for the transaction. I do not do business with XXXX XXXX, and neither did I authorize to add XXXX XXXX as a payee. I had to request Wells Fargo to find them and remove them from Bill Pay because the unauthorized payee was not visible on the user end of the website. I then closed the checking account with the fraudulent transaction, opened a new checking account, and even changed my Wells Fargo username and password. 
I eventually received a letter from Wells Fargo stating that based on their information, they determined the transaction was authorized and closed my fraud claim. I did NOT authorize this, neither did I give anyone else authorization. Before I received the letter, on XX/XX/2023, I called Wells Fargo for an update, and they confirmed that the case was closed. I then proceeded to file a police report on the same day, XX/XX/2023 on the fraudulent transaction of {$9800.00} on the XXXX of XXXX. I received an affidavit form via mail from Wells Fargo to fill out for them to re-open the case. I then faxed the affidavit on XX/XX/2023 to the appropriate Wells Fargo fax number that I was given and then faxed a copy of the Police Report general information on XX/XX/2023 to the same number. I was told that the re-opened case would be resolved within 5 to 10 business days. I called them XX/XX/2023 and I was given verbal confirmation that they closed the case again, regardless of the affidavit or police report that was faxed.
Consumer complaint received 2020-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

PHH Loan number XXXX My mortgage payment is less than 10 % of our monthly income not to mention we could go liquid with assets over {>= $1,000,000}. 

Explain to me how my income is insufficient for the amount of credit requested? 

Im requesting all appraisals and other written valuations used in connection with my application. 

Im shocked that i was discouraged in applying for credit by your company after receiving federal public assistance from taking a short forbearance on my mortgage. As you know when we realized we could go back to work i paid my forbearance in full. 

The FTC states that our application should have been accepted our rejected within 30 days of filing our application.

Your company has damaged my credit score, by delaying our processing you have not acted in good faith and we have lost investment opportunities due to your delay in processing. 

if others have received credit from PHH mortgage with similar income, age than you have discriminated under the Equal Credit Opportunity Act. It is apparent that by delaying my application PHH Mortgage benefited by us having to pay a higher interest rate mortgage your company is presently serving. 

I will be reaching out to the Federal District court regarding Federal Trade Commission - Equal Credit Opportunity Act and to The State of Texas Attorney Generals office. 





From : XXXX XXXX XXXX, XXXX '' XXXX Subject : RE : PHH Loan number XXXX XXXX : XX/XX/2020 at XXXX XXXX  CDT To : XXXX XXXX XXXX XXXX : " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX '' XXXX, " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX, " XXXX '' XXXX, " XXXX, XXXX '' XXXX, XXXX XXXX XXXX, " XXXX '' XXXX XXXX " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX '' XXXX Good morning XXXX, The email youve received regarding the insurance policy was a mass email sent out by our Insurance Team that had our names prepopulated on it! 

This has already been updated and no further action regarding this is required. 

I apologies for the delay, I understand this process has been longer than we wanted. We truly appreciate all your time and cooperation. 

XXXX XXXX XXXX XXXX Loan Processor Toll Free : XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (UT)

I was contacted by XXXX XXXX to collect a debt that I paid off in 2007 for an old XXXX credit card through GE money. I stated that it was paid off in 2007. They stated they are taking me to court for it. I tried to contact GE money and they stated that they show I once had an account but its so old it doesn't show any information. I keep telling the employees at XXXX XXXX XXXX that I paid it off and that I tried to get information on it but my account is too old to show information on it. They stated they are taking me to court for it. I contacted them today and they stated they tried serving me at an old address in XXXX County and I currently live in XXXX Ut. The lady I spoke to today was yelling at me tell me to not contact them anymore when I was just trying to find out my court date and stating that I work on an XXXXXXXX XXXX XXXX and that I am not home during the serving hours to be served the papers. She them stated that she cant help me and that it will be a missed court date. She also then told me I will be held liable to pay their lawyer and court fees. I looked up the rights on the statue of limitations and its says that they cant come after me for it after a maximum of 8 years when this credit card was over 10 years ago. I am not sure how to go about this seeing how I have paid this off but no way to prove it. I currently have custody of my XXXX son and can not afford to pay the amount they are wanting on a debt that has been paid off.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (MI)

Omega rms keep informing me that I will collect interest on the debt owed, I can settle on the account but they are charging me an XXXX dollar fee for each payment and tells me I can mail in the payment and wont stop any of the interest on my account
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (NJ)

I sent certified letters to XXXX, Equifax and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

Equifax did not process my request until XX/XX/2020, XXXX  failed to process until XX/XX/2020, and XXXX XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial (TX)

XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3300.00} I have no knowledge of this my identity was stolen and I've tried to call these people they hang up the phone very rude. XXXX XXXX {$2400.00} XX/XX/XXXX I have know idea also around the same time preferred lease {$1900.00} I've tried calling I get nowhere please please help me thank you so much
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

A previous complaint ( # XXXX ) was filed about this item and the complaint closed. At this time, I will provide information that the agency COULD NOT have received any information from the 3rd party they requested information regarding the bankruptcy which they have in my credit file. The 3rd party vendor the agency requested information from has " suppressed '' public records since XX/XX/2019. Therefore, it is erroneous of the agency to state this is how they received information about a bankruptcy which they have listed in my credit file. The agency has provided false/inaccurate information in my credit file, which is a violation of the FCRA. And is also punishable by law.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

1- withdrew {$20.00} 2- went to redeposit {$20.00} 3- atm could not process the transaction AND DID NOT PRINT RECEIPT OR RETURN {$20.00}. 4- approached branch and they stated they would put a claim in but never did. 5- asked for manager to meet me at machine- waited 30 minutes no manager. Branch did Nada, Zero nothing. Called Regions help allegedly agent opened compliant- checked on line and entered secured message 6- Opened complaint with regulatory agency! 7- Did followup Friday. NO secure messages, no redeposit of funds, nothing on file or in notes from them. 7- Allegedly all calls recorded and monitored NOTHING another LIE! 8- opened 3 new secure messages. 8 Allegedly agent opened another inquiry wait another 3 days more. Stated all calls recorded. Now ATM an agent of theirs dispensing or receiving deposits. Customers are at the mercy of the machine. In my opinion nothing from you or them. I expect nothing because this is a scheme. However, if you are the honorable company and organization you claim to be I expect my {$20.00} back. This is elderly abuse at its max since they infer I am the thief! 14 Regions XXXX XXXX {$20.00} {$380.00}
Consumer complaint received 2018-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SD)

I applied for a short term loan online XX/XX/XXXX at the website for Big Picture Loans. I did not receive any details about the loan but the money was credited for {$850.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I thought I had paid off the loan but was still getting notices about upcoming payments. I requested that Big Picture Loans revoke my ACH agreement and asked for the payoff balance. 

The online account screen shows I still owe 8 more payments of {$200.00}. That would make a total repayment {$2600.00}. That is nowhere close to the cap of 36 % I expected. 

I have already paid {$1200.00} in payments but they say I still owe the full 8 more payments. The payments I have made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX should have been enough to payoff the loan, instead they claim it only reduced my principle by {$45.00}. That is not possible! 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 550 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I am a resident of South Dakota I had no idea they would be able to charge over 550 % interest. I do not live on their reservation, but they say that they do not follow federal or my state laws, that I am subject to their tribal laws. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On Tuesday XX/XX/2017 I transferred funds from two joint checking accounts at First National Bank ( FNB ) to a personal checking account making the AVAILABLE balance in the personal checking account {$15.00}. I then made a purchase for {$15.00}, leaving a positive balance in the account of {$.00}. The next day both of the transfers and the debit card purchase were showing a pending and the account was showing an overall balance of {$.00} but I was also charged an overdraft fee. Credits are posted to the account before debits so the transfers were credited before the purchase and the purchase is still showing as pending. I contacted the bank to request a refund of the overdraft fee but was told the funds were not available at the time of the purchase. However, FNB policy is that transferred funds are available immediately, credits are posted before debits and again, the funds were showing as AVAILABLE. If the funds are not available then they shouldn't be included in the total available amount listed online. This is deceptive and is a way for the bank to obtain more overdraft fees.
Consumer complaint received 2018-06-21
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: National Credit Systems,Inc. (IN)

Please see the attached letters from the Federal Trade Commission. I request that the accounts of XXXX XXXX and XXXX XXXX be immediately from my XXXX, XXXX, and XXXX account.
Consumer complaint received 2020-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had an issue with Capital One, whom I been banking with for over 12 years. I have never in my life ever been late on any payment with any bank. On XX/XX/XXXX I had called Capital One to be put into the COVID deferment program, as I did with all my other banks due to hardship in income. I trusted the agent or agents I spoke with regarding the COVID deferment program. I was supposed to be extended to not pay my XX/XX/XXXX or XX/XX/XXXX statement. I had spoken with several agents to verify this information. 

On the XX/XX/XXXXof every month is when my payment is due. On XX/XX/XXXX I called and spoke with an agent as she said my account was outstanding. I explained that I'm on the COVID deferment program and did not have to pay until XX/XX/XXXX. She then on her system extended and it will not affect my credit as I was on the COVID assistance deferment, it will reset my statement due date. So I do not pay XX/XX/XXXX statement and when I check my account in the first week of XX/XX/XXXX, I noticed I was charged another late fee! I putting my faith and trust into this agent and I see 2 late fees one for XX/XX/XXXX and one for XX/XX/XXXX, thinking I had COVID assistance program cover me for these 2 months. I check my credit report and Capital One reported this misinformation and ruined my credit by over 60 points negatively impacted! Not only this but this was also my business credit card, which impacted as well my business area! 

I spoke a supervisor, named XXXX with her employee ID : XXXX. She promised me with a solution and an investigation. Case Number -  XXXX. She waived one late fee of {$39.00}, but have yet to receive my other late fee waived for month of XX/XX/XXXX as well. I have yet to hear any resolution and I'm on the verge of receiving my business loan from SBA and this negative impact has caused me to be rejected as well! I'm very disappointed with Capital One, as a consumer putting my trust in this company with long standing positive and 100 % on time payments with this company and thus ruining my credit, not only personal but also my business credit and in these hard times ruining my chances to receive my SBA loan! I demand this to be corrected as this will ruin my relationship with Capital One for falsely negatively reporting my account when I was on the COVID assistance program putting my faith in this company.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Law Offices of Gerald E Moore & Associates, PC (NY)

XXXX XXXX XXXX, XXXX XXXX, XXXX. Contacted my employer on XX/XX/2020 stating I had a judgement for a debt I had never heard of before. I contacted them phone and email and asked them for any information on this " judgement '' as I had not been served and it was not reported on my credit report. They have continued to contact my employer and harass him over this issue. I have never received any information on this matter directly from this company.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (GA)

I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.