davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are TWO claims with this institutional that were wrongly charged. 

1. Claim XXXX XXXX. The amount in dispute is {$32.00}. I received a parking validation for this. The amount that should have been charged is {$4.00} not {$36.00}. I provided Bank of America ( BOA ) with the documentation - including a validated parking ticket - information on the prices for validation and documentation of systematic overcharging by this parking facility on multiple occasions. I faxed the documentation at least 3 times with proof of fax confirmation. They kept saying they never received the information. I provided all evidence requested. I was told I would get a call back and I did not. Spoke with Supervisor XXXX XXXX never give full name ) who was disrespectful and unhelpful. Bank of America should have partially reversed this amount and they did not. 


2. Claim XXXX. BOA is allowing a charge for for services never received. There is no evidence that I received any services in my overseas trip. When I filed the claim, I did not recognize the charge although I did recognize that it was from XXXX which is where I traveled, to. This is why I did not file a fraud claim. Because I did not know of the vendor although it was possible that they mischarged me. Yet, BOA is allowing for a charge that I know nothing of and did not receive any services from. There is no signature ageeing to abide by the terms of the credit card, so why is BOA allowing for a change that has no signature/acknowledgement? This goes against basic consumer rights.
Consumer complaint received 2024-09-12
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. (CO)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting 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: Experian Information Solutions Inc. (TX)

I have obtained the loan with XXXX in XX/XX/2023. I paid on time and sometimes I was late. XXXX was on point reporting every single late payment. I have paid off this loan in XX/XX/XXXX and there have not been ANY positive credit bureau reporting. it is XX/XX/XXXX and the last report was submitted on XX/XX/XXXX stating that I'm over the limit and past due. But the loan is at XXXX balance now. I have contacted them and filed the investigation through the credit agency and through XXXX. XXXX is NOT providing me with any updates. They state that they report every XXXX of each month but it doesn't look like they reported positive balance. this is hurting my credit scores in a very bad way. 
Please take a look and let me know WHY the company would not report to a credit agency when they are supposed to.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (IL)

XXXX XXXX XXXX  tried to illegally 5 day evict me in XXXX. My attorney, Ms. XXXX, and I went to court and fought it on XX/XX/XXXX. Case # XXXX in XXXX XXXX County. Since the eviction paperwork was done wrong and served to me wrong, the eviction was tossed out. No money owed and I moved out within the time frame. They are now illegally placing incorrect information on my credit report stating I owe them {$1700.00} dating XX/XX/XXXX.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, I received a 2 wire transfers {$19000.00} & {$24000.00} in my Wells Fargo Bank. Both were accepted and cleared the bank, I was out of town where I live and had to go to another Well Fargo Bank in XXXX XXXX, my previous branch where I lived had assisted me in the past with no issues. 
However after the bank completed my wire transfer of the funds form, the supervisor decided she needed to interrogate me as if I was a criminal and advised had to decide if they wanted to forward my wire transfer and would get back to me. 
I received a call they no longer wanted me as a client and they put a hold on my accounts., Since the above date I have received 4 letters indicating they were continuing the date of closure of my account from XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX now to XX/XX/XXXX. 
Upon contacting them they advised in stage 4 and check should be sent or they would make a decision if any money would be returned. 
Wells Fargo will not complete the closure of my account as they are awaiting the request from the sending bank to return the funds sent via wire transfers, Why?. So that continues the dilemma and they continue to hold all my money,. 
Which is creating financial hardship. I have two accounts they are holding one not involved with any of the wire transfers why should it be involved??
Consumer complaint received 2020-10-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MT)

To : Consumer Finance WWW. Consumerfinance.gov Dated :  XX/XX/2020 Loan # XXXX Dear Sirs : I want to file a complaint against NewRez, XXXX, SC XXXX XXXX Escrow Department. In XX/XX/2020 I closed a VA loan with NewRez which included a tax and insurance reserve account. At that time the closing included a tax payment for the real estate taxes due on XX/XX/2020. In XXXX of 2020 I received a tax lien on the property at XXXX XXXX XXXX XXXX which is the property for the VA loan. In XX/XX/2020 I called NewRez and told them about the tax lien. FromXX/XX/2020 to XXXX of 2020 I tried to resolve this problem but got the same answer that they are working on it. I never got to speak to anyone in the Escrow Department. This was a simple mistake on their part and an easy fix but no one would communicate with me. Just same old response they are working on it. In XX/XX/2020 I was informed my property would be up for a tax sale. Consequentially I paid the taxes up and got a receipt. I have repeatedly asked to drop my escrow and will pay it myself but got no response. This cost me an extra {$250.00} estimated in late charges, fees, and someone else taxes being paid. 

I cant believe that VA and XXXX would allow a financial institution to have an escrow department and not have anybody to communicate with. I am requesting NewRez pay for my extra costs and close my tax and insurance account. Also I have applied to refinance my existing loan with NewRez at a 2.25 % interest and do not want a tax and insurance reserve account. I have numerous emails to substantiate my contacts with NewRez. 





XXXX XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc. (MD)

I have a dispute with my old cable company. They say I owe {$110.00} and I say I don't. They've turned it over to a collection agency, AmSher Collection Services, who has reported the alleged debt twice to XX/XX/XXXX, once on XXXX XXXX and once on XX/XX/2020. I called AmSher ( today- XXXX XXXX XXXX ) to ask them to remove one of the reportings and they told me that they wouldn't do it and that they can keep reporting the debt until it is resolved. Is that legal?
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: QUALITY ACCEPTANCE LLC (CA)

On today, XX/XX/XXXX Quality Acceptance repossessed my XXXX XXXX  pop from in front of my place of employee through a third party company after I did not pay the month of XXXX because I had submitted a XXXX ( XXXX ) XXXX ( XXXX ) and a XXXX ( XXXX ) for the vehicle to Quality Acceptance that was accepted by the IRS for payment in the amount of the vehicle. I also submitted a remedy letter, a conditional acceptance letter, letter to creditor, and it was notarized along with the coupon thats attached to the monthly bill. I certified mailed ( XXXX XXXX XXXX ) that packet to the CEO of the company and it was received and accepted by Quality Acceptance on XXXX. I did not receive a response, which stated in the letter that if not responded to within 7 days that they accepted and agree to my conditions. I tried to remedy everything and they responded by repossession.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OR)

I closed a cell phone account with XXXX in XX/XX/XXXX/XX/XX/XXXX in good standing and all payments were paid in full with a XXXX balance. Since XX/XX/XXXX/XX/XX/XXXX I  did not have any accounts with XXXX and I joined my husband 's phone account where all bills are under his name. Therefore, I have not had a phone bill under my name since XX/XX/XXXX/XX/XX/XXXX. Suddenly, in XX/XX/XXXX, I noticed a derogatory collection on my credit report with XXXX XXXX   stating that I owed {$170.00}. I XXXX XXXX XXXX to obtain a phone number and inquire as to why I was being hit with a collection on my credit report? I was notified that the collection was with XXXX and that if I did not believe the collection was valid then I needed to contact XXXX. I contacted XXXX and gave them my information. When I went to verify information on the collection account, it was noted as an active phone line and all of the information on the cell phone account was not mine except for the name. At this time, the rerouted me to the XXXX   Fraud department where I provided information by phone to a representative. After this, there was no further communication with XXXX. I then proceeded to call XXXX XXXX and let them know that the information provided to them was inaccurate and that I had not had a phone account with XXXX in 8 years. I asked for Verification of Debt to see if my information had been cross-referenced or used by someone else. Convergent told me that I had to pay the collection and never provided me with any type of documentation. Subsequently, I disputed the accuracy and legitimacy of the debt. The collection was removed twice without any statement or follow up from anyone but then it would reappear in 2-3 months. Now it is XX/XX/XXXX and XXXX XXXX is continuing to call me multiple times a day but will not leave a message or reference as to why they are calling. In addition, I never received any validation that this collection is mine and if it was legitimate, my last valid account with XXXX would have been in XX/XX/XXXX/XX/XX/XXXX which is 9-10 years later ( past the Statute of Limitations. ) I question the validity and accuracy of this collection and I would like to be provided with all information necessary so I can proceed with necessary legal action.
Consumer complaint received 2018-07-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

XX/XX/XXXX Amount of loan : {$600.00} Public officials fee : {$38.00}? 
CAB : {$150.00} per month Annual rate : 332.92 % ( representing 5 payments ) Dollar amount of our cost : {$980.00} Amount of total payments after all payments are made {$1600.00} Had somewhat a hard time getting them to offer us a settlement to pay it off after 3 years. 

Payment made to them was {$700.00} on XX/XX/XXXX. 

Title to vehicle is to be released within 7 to 10 days
Consumer complaint received 2018-02-02
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: NAVY FEDERAL CREDIT UNION (LA)

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. Navy Federal CR UN was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to Navy Federal several times about my business account in which Navy Federal charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by Navy Federal to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MI)

I received a card in the mail from usbankreliacard. It was for unemployment and since I have applied for unemployment in XXXX, XXXX, and never received any funds, I thought it was finally here. So I activated the card but then noticed that it was for Ohio. I live in Michigan. After I did some searching, and spoke with Michigan unemployment office, I found that this may be fraudulent as this card is not from the unemployment office in Michigan, where I applied. 

I activated this card on the internet last night, XX/XX/XXXX. I can not recall what information I provided but am concerned. There is no money on the card and no money has been put on the card as of current date/time. 

The card is a debit VISA - card number : XXXX - expiration date - XX/XX/XXXX code on back is XXXX. 

Today, XX/XX/XXXX, I tried calling us bank relia card at XXXX 3 times. Twice was a busy ring and once, I received a message that said they were experiencing high call volumes. Due to this, I am not able to speak to anyone regarding this card. And I am not sure if this is a safe place to speak with either. 

I need this card canceled and a report to be filed as I am unsure what information they have about me. 

I can be reached at XXXX us bank relia card address : Cardholder services XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2020-04-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

This bank IS offering " financial relief '' as published and listed on their own website, help in forms of " DEFERMENTS '' for customer loans that are including HELOC 's and this info IS as per the TD bank website and I read this in many other forums on the internet to support this. It is published information that TD bank itself IS offering COVID-19 help for those loan products and DEFERMENT is only LISTED on tdbank.com, COVID-19 updates, that info says updated as of XX/XX/2020. It does not even state forbearances listed but I do not want any forbearance when I've been asking for a 3 month deferment! 

HOW DOES A BANK NOT HONOR THEIR OWN COVID-19 ASSISTANCE OFFERING TO HELP THEIR CUSTOMERS DURING THIS CRISIS WITH DEFERMENTS on HELOC 's?? I AM MIND BOGGLED HOW THEY ARE ADVERTISING THIS but WHEN YOU CALL THEM TO ARRANGE IT, THEN ITS A WHOLE DIFFERENT STORY THAT DEFERMENTS ARE NOT OFFERED? ISN'T THAT ILLEGAL AND DECEPTIVE?
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (CO)

There is incorrect information on this back ground check that is not mine. 

* XXXX XXXX XXXX ( XXXX ) Jurisdiction XXXX  ( XXXX ) Jurisdiction XXXX ( XXXX ) I think these belong to my father XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What is mine is the following : Jurisdiction XXXX XXXX ( XXXX ) Jurisdiction XXXX XXXX ( XXXX )
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Recovery Services (SC)

The debt collector is calling my family members and leaving messages with my date of birth, last 4 of social, and discussing how I will owe thousands of dollars if I don't settle outside of court, which to my knowledge, there are no court cases pending against me regarding any matter.
Consumer complaint received 2018-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I made a purchase of {$7200.00} under a 12 months defer int from XX/XX/XXXX to XX/XX/XXXX I pay {$2500.00} I make a new purchase XX/XX/XXXX and XX/XX/XXXX of {$100000.00} under a 60 months waived interest equal pay I was concerned about my monthly payment and i ask the agent from XXXX XXXX what my monthly payment will be like she told me all my new balance of {$100000.00} will be consolidated in one for the 60 months waive interest equal pay with a minimum payment of {$1800.00} I agree because i could pay that per month. I continue to make my regular monthly payment up to XX/XX/XXXX when my balance change when i make another purchase under the 60 month waived interest equal pay. To my surprise they charge me interest for in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling {$1800.00} they claim that my first loan of {$7200.00} expire in XX/XX/XXXXand its accumulative for 12 months plus interest on the balance for the other months that was not the case of the agreement of consolidating my balance into one on a 60 month equal pay I am not suppose to pay no interest they are totally dishonest and i need my interest charges removed please.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (AP)

XX/XX/XXXX I sent XXXX dollars for property purchase from Navy federal to the XXXX bank under my name. 

XX/XX/XXXX I received a call from XXXX  XXXX  that they cant not accept the fund since it is over XXXX dollars due the restrictions and advised me that Navy Federal should have known this. 

XX/XX/XXXX I have let Navy Federal know that it was rejected due to the policy and I asked when the fund will come back. 

XX/XX/XXXX Still dont see the fund back and I talked to the international wire transfer department and the assistant said that my branch should have been aware that over XXXX dollars is not allowed for wire transfer to XXXX and they have to send the fund back including the comissiom XX/XX/XXXX The fund is still located at XXXX  ( second back that Navy Federal used to do wire transfer ) and it still has not came back. 

XX/XX/XXXX I called the Navy Federal wire transfer and I was told that the fund might not come back if it was fraud. Then I was told that they sent the recall message to wellsfargo. 

It was not a fraud. It was the account under my name. Sending A bank to B. The maximum amount I could send was XXXX dollars and the Navy Federal branched in XXXX XXXX did not know and did not look up the regulations. At this point, they could not provide me the timeline and could not locate the funds. In addition, one assistant even told me there is a possibility I would not get the fund back. 

It is making me feel miserable. I sent the fund to purchase my first home here in XXXX and they even told me that the money I sent properly to my account would not come back to me. This process seems fraud and unfair to me and it occured due to lack of attention from Navy Federal. If I do not see the fund back for longer period of time, Ill open the lawsuit case.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I made 2 purchases during the month of XXXX on my Amazon credit card ( Synchrony ) at check out I selected 6 months special financing, specifically NOT 6 months equal payments. When I received my statement it shows those 2 purchases as Equal Pay 0 % APR - 6 months. This isn't the first time Synchrony has miss-applied promotional purchases to my account. In the past, when I contacted them, they were able to correct the system to reflect the correct promotion. This time, I was informed by Account Manager rep XXXX XXXX that their system miss-coded the promotion, but they can not correct it. This miss-coding has direct impact to my payments as it will require larger payments to be applied to the newest purchases first, and not apply my full payments to the previous deferred interest promotions I have on the account. The incorrect equal pay promotions need to be changed to deferred interest with payment as I selected at checkout.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2022, someone used my identity to open a credit card with COMENITYCAPITAL/XXXX They made a purchase of {$640.00}. This was not me and I did not authorize this purchase.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/2020, I ordered groceries from XXXX XXXX XXXX XXXX. The groceries were not delivered despite the driver saying they were. 

I called XXXX to inform them of the failure to provide me with the groceries I paid for using my Discover card. XXXX sent an email saying they would credit the account due to the fact that I have security ( a gate with a security guard as well as cameras ) at my home and could prove the driver never arrived with the groceries.

After waiting for several days for the credit to appear on my account, I  decided to call Discover. I filed a dispute and attached the email from XXXX showing the refund that they never gave me. 

It is now XXXX and Discover is refusing to return my money for the groceries I never received from XXXX despite being in possession of the email showing the refund that was never issued. 

I am asking that Discover send me a check or money order for {$220.00} on or before XX/XX/2020 for the groceries I paid for and never received.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NV)

Hello, Experian continues to provide a report from a firm called " XXXX '' out of XXXX, CA reference an unknown billing that has been disputed and the company has failed to provide any proof of debt to me. The information is not accurate and is not owed. Experian should remove the inaccurate information.