davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION (FL)

I financed a motor home through M & T Bank and have made every payment!! 

The first thing I noticed with this lender 's business practices was how obsolete their installment loan department is ; they only have fax machines and a horrible computerized answering machine that takes forever to reach anyone, and they keep cutting you off. It generally takes 1 to 3 hours of phone waiting to discuss any issues with them. I have been on hold for over 45 minutes before. No online email presence unless they are selling you something or spamming you. It is very difficult for the consumer to communicate with the installment loan department. 

The second thing I noticed was even if the payment was made timely my records ), it appeared the payment would not be posted for several days resulting in late payment fees. Due to traveling around the country in a motor home, I did not find it financially feasible to correct these issues, which I really should have.

Lately, I find the lender claims no payment was made in XX/XX/XXXX, which my online banking records indicate was paid ( discrepancy found researching tax records ). No notification was given to me, and late charge fees have been applied to this account since then ( without my knowledge ). Upon searching back for tax records, I discover the charges and contacted the lender 's installment loan department. I was rudely told that this was my fault because I did not update my phone number ( cell # ) and address, yet I received a email statement from them every month. I could have been notified through that email address instead of being pumped to open additional accounts! I have found ( with a magnifying glass ) the small print that states the late fees only after being informed of their location on the statement. In contacting them, I was informed that I needed to pay all the churned late fees as well as the missing payment I have already made once, and they would then check into it. 

In the forty plus years as a real estate appraiser observing the predatory practices of lenders, I have never seen a lender as unscrupulous as this one. Please advise as to what records you need from me to verify my claim. All of my bills are paid through XXXX   's bill pay, and those records are available for  verification, but how much of it do you need? From XXXX to XXXX? Is there a way to be more specific, that's a lot of paper and a really big file to upload?
Consumer complaint received 2021-05-04
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. (NC)

In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by XXXX XXXX. But despite that, XXXX XXXX continues to report this account on my credit profile. I have been in contact with the credit bureaus and XXXX XXXX to correct this error, but the account continues to remain on my credit report.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I have made many attempts to contact this collection agency and submitted Identity Theft Federal Trade Commission number to them. I have fax over documents and this agency is not responding to removed this collection from my credit reports as it was a result from Identity theft.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (SC)

I paid my credit card account off with the First National Bank of Omaha on XX/XX/XXXX by paying online from my debit account the amount of {$26000.00}. I then made an additional payment of {$1200.00} on XX/XX/XXXX XXXX out my account. I paid the card off before the end of the month but was still charged interest for the purchases I made for the month of XX/XX/XXXX after my account had a XXXX  balance. I called the bank the day before I made my initial payment and was told that I could not receive a payoff amount because they didn't know what I'd purchased. After the additional interest charge of {$100.00}, I called the bank and asked to speak with a supervisor and was told that because I didn't ask for a payoff, I was billed the additional interest. I was eventually forced to pay the additional interest on XX/XX/XXXX for the full amount. I was not allowed a minimum payment. The bank mailed new credit cards to me and I sent them back with a note that I would not be using their credit cards. I had no intention of getting into this type of debt again and had decided to leave the account open, since I'd had this card since XX/XX/XXXX and had an excellent payment history, but not use it unless I had an emergency. I made absolutely no request to close my account nor did I sign the notation. As a card holder, I have every right to refuse additional cards. The bank, during a conversation that I have taped, said that I inferred that I wanted my account closed, closed the account, and refused to reopen it when I spoke with them. They acted in bad faith by refusing service to me for an account in excellent standing and closing my account without my permission.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

I reload my money to this before purchasing it says in booklet that comes with the card if any issies with an purchase I was protected, Well I had an issue with a purchased I submitted a dispute with the company I got an email requesting my purchase documents I submitted them online as requested got an email back from the company stating the documents weren't good enough, So I called the company ( Americian Express Serve ) Iasked what proper documents were needed amd why wasnt it acceptable, I haven't gotten an answer the representative stated they will get back to me friday, I explained to the representative you guys said 10 days to see temporary credit and they should be done with the investigation around that time, I havent received anything they've been still stalling giving me alot of excuses this has to be the worst company very disappointed.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

Disputed with the company on XX/XX/XXXX. The dispute was sent by certified mail which shows the company receiving the documents on XX/XX/XXXX. It has been well over the 30 days the FCRA gives the company to respond. It is now XX/XX/XXXX and I have yet to hear back from this company.
Consumer complaint received 2018-02-06
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. (NY)

On my transunion credit report it doesn't show my XXXX limit as XXXX $ but it instead it shows my old limit. i have a XXXX and XXXX XXXX credit card which i cant see on my report.
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

My job was eliminated on XX/XX/XXXX 1. Wells Fargo ( XXXX ) placed me on Forbearance program for 1 year 2. I regained employment in XX/XX/XXXX and requested a Modification 3. The first Modification returned with a first payment of {$25000.00} which I could not make. 4.The next Modification came back with a first payment of {$50000.00} and the 3rd {$65000.00} 5. XX/XX/XXXX I filed a Chapter XXXX paying the court monthly payments towards the arears. 
5. My position was eliminated again XX/XX/XXXX and I regain Part time employment in XX/XX/XXXX. No mortgage paid since XX/XX/XXXX 6. Consumer Link worked with Wells Fargo until they received a call in XXXX stating they were no longer going to negotiate with them because my home now had equity ( they were paid monthly for a total of {$2800.00} and I received {$970.00} back when XXXX refused to continue to negotiate. 
7. Several more bankruptcies were filed to keep my home out of foreclosure 8. XX/XX/XXXX, I signed a retainer with XXXX XXXX XXXX from XXXX XXXX, California ( retainer {$2500.00} ), total {$5300.00}. They have done nothing except collect documents from me and tell me I need more income. I have had two brief telephone conversations and no updates. 

My home was scheduled for Auction on XX/XX/XXXX at XXXX XXXX, I filed a chapter XXXX Bankruptcy at XXXX XXXX and notified their attorney 's office to stop the auction, and my home was sold in spite of the Bankruptcy. I was not notified by Wells Fargo that the Auction was not postponed I discovered that information several days later when I called XXXX to discuss options going forward since XXXX XXXX XXXX was doing nothing except waiting for me to get a job. I do have some income from XXXX and two retirements ; however, I do need to get at least a Part- time job. Unfortunately, even though I have two masters Degrees, I am XXXX years old, and it has been very difficult to find employment. 
I have spoken with WFHM Corporate and requested a written response explaining why the Bankruptcy was ignored and why I was not notified that my home was sold after I filed the
Consumer complaint received 2018-02-05
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: Collection Management Company (AL)

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20, my Bank of America credit card was denied at XXXX, XXXX XXXX CA. I called credit card customer service and was told my credit card was denied due to over draft. They said I had nearly {$7500.00} outstanding balance which included an amount I never used. They did some research and found that someone ( a suspect ) used my full name, my SSN # and other personal information and opened online Bank of America bank checking account. The suspect initiated XXXX XXXX from my Bank of America credit card in the amount of {$3800.00} on XX/XX/20 and transferred from bank account the suspect created. I reported incident on the day I found the identity theft. 
One of the identity theft victims rights is to submit Identity Theft Victims Fraudulent Account Information Request to bank to get information about Account Information. I send the request to Bank of America in writing. Bank of America refuses to provide those information I requested protected by 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), California Financial Code 4002 and 22470, Civil Code 1748.95 and Penal Code 530.8. 
I am filing a complaint for the refusal of Bank of America to provide the Account Information.
Consumer complaint received 2018-02-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
Consumer complaint received 2018-02-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (IN)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified and complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (GA)

I called each company that had a hard inquiry on my credit report that I did not recognize on XX/XX/XXXX. 

All of the companies state that they did not have the authorization to run my credit on file and that authorization was with a car dealer that I had never heard of or spoken to. 

I called Experian on XX/XX/XXXX to dispute these inquiries and they told me that they do not dispute hard inquiries. 

I am requesting that CFPB require them to remove the unauthorized inquiries from the following companies on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you in advance
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

Hello. Last year I took advantage of an Amex promotion and upgraded my Amex Surpass card to an Amex XXXX card. Unfortunately, Amex chat gave me incorrect information and told me that I was ineligible for the promotion and therefore I downgraded. Since that time, I have learned Amex was involved in a misleading marketing campaign that has resulted in them honoring the same promotion for other account holders and sending them apology letters. In my instances, Amex has suggested they have been investigating what happened to my account for over 6 months yet have yet to offer up with any answers or solutions. I'd like to call this cover-up to the attention of the federal government. This could lead a person to think that Amex is discriminating against me for reporting their actions to CFPB. I have a perfect payment record with Amex and regret they treat me so callously.
Consumer complaint received 2018-03-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I have tried numerous times to renegotiate my loan to lower the payment either by lowering the interest rate ( 9.0 % ) and they refuse. I can not afford the monthly payment, do not want to default and can not afford the recently increased payments which are now {$320.00} from {$130.00} a few months ago when I was on a reduced rate plan. They refuse to continue the reduced plan. 

My original principal was {$24000.00} I currently owe {$18000.00}
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I paid off my entire balance owed prior to my XX/XX/XXXX bill being due, and capital one Billed me just over 20 dollars for interest saying it was interest owed from before i paid my balance, however the balance was at XXXX when they added the interest, i paid all the charges that were there on the account i feel they should not have ability t0 add charges to a XXXX balance, my papers when i opened the account stated that no fees would be added to a XXXX balance if i kept it paid, and that was my understanding so if I'm wrong and misunderstood that, well i know now they carry interest per day of the month and my bill may not reflect the totality of what is owed on a given day however this was not my understanding prior to seeing these charges and i feel it ridiculous that i should pay this fee. I never ask for much but i want this charge reversed, i paid this to XXXX and believed it was to remain at XXXX until i used the card again, or until they billed the yearly fees again, in no way did i expect another interest charge to be added and I'm very disappointed that they refused to work with me and remove the charge when i called i was not rude or vulgar or impatient i just don't understand this.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: VALLEY NATIONAL BANCORP (NJ)

The Valley National Bank gave me {$1000.00} over-draft protection. The two bank officers at its branch in XXXX, New Jersey told me this. One said, " XXXX XXXX, I have good news. The bank has approved your application for {$1000.00} over-draft protection so you do not have to worry about fees for insufficient funds. '' Subsequently, the Valley National Bank charged me {$72.00} for two checks for alleged insufficient funds. 

I do not want to bank at Valley National Bank anymore given this incompetence and inefficiency. But I paid nearly {$100.00} for business size checks. I want to close my checking account and be refunded the said payment for the business size checks.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The debt under XXXX XXXX XXXX XXXX for XXXX was listed on my affidavit id theft under 2 accounts not irs on one with that balance. That is false info remove asap. I will report to the FTC because stuff that was removed is now being added al overt again Remove it asap
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc. (CA)

On XX/XX/2017 I received a bill amount from States Recovery Systems for {$2100.00}, stating that it was the total amount owed. 

XX/XX/2017 I received a debt validation and bill amount for {$3300.00}. 

On XX/XX/2017 I received a second debt validation and bill amount from States Recovery Systems for {$3300.00}, and stating that they have closed and returned the account to the original creditor XXXX XXXX. 

Now they have resumed collection activity again. The billed amount is obviously incorrect and they have clearly violated several parts of the FDCPA. Not only that, they have continued to continuously call my cell phone after a debt validation and cease and desist statement was provided to them because of the discrepancy in what I owe.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (PA)

Initial application to refinance mortgage with current mortgage holder ( Caliber Home Loans ) was made XX/XX/2020. Although mortgage representative has reported the application has been approved, no information regarding a closing date has been made. Additionally, numerous loan documented have been forwarded, which appear to contain varying estimates of loan details, including a substantial out-of-pocket amount required at closing by the applicant, although the loan representative indicated that the closing would not entail any cash in hand. All communication between the applicant and the mortgage representative is documented within an email file.
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute for these account on XX/XX/2021, and I have not received a response or communication back from this company. It has now been over 35 days, as the original creditor I deem this account unverifiable and I want this account deleted from my credit report as per the laws pertaining to the Fair and Credit Reporting Act.