davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (DC)

In essence, a Wells employee stole {$1900.00} from me. Wells Fargo is not trying to return my funds. Wells Fargo collected XXXX property taxes on behalf of XXXX XXXX XXXX XXXX and XXXX through XX/XX/XXXX. In XX/XX/XXXX, I provided a {$6100.00} payment ( part Cashier 's check and part cash ) to Wells Fargo for a XXXX government property tax payment. However, Wells Fargo only sent over {$4200.00} of my payment. The payment was for a family property that was just probated in late XXXX when I was finally able to get XXXX records. That's when I learned my full payment wasn't received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). So, I could not be reimbursed for the full amount of property XXXX XXXX taxes I paid to Wells Fargo for its submission to XXXX XXXX. Only the XXXX 's check portion of my Wells Fargo deposit was forwarded to XXXX XXXX. The entire cash portion conveniently went missing. I went back to Wells Fargo and experienced discriminatory and dismissive behaviors that I reported as inappropriate. After escalating the matter to the branch manager, I was ignored for several weeks. I was eventually to
ld by multiple people that the Wells Fargo branch in question failed to maintain ANY documentation of what funds were collected and sent to XXXX XXXX. Therefore, they could not assist me with determining whether all of my funds were sent to XXXX XXXX, or worse, partially stolen by a bank Wells Fargo bank employee.This is a thief 's dream! No checks or balances- a perfect way to steal cash from undeserving customers!!! I further escalated the matter to Wells Fargo 's executive offices where I was promised a thorough investigation. Approximately one month after the investigation began ( Wells Fargo case number : XXXX ), the investigator named XXXX told me he'd need an additional forty-five days for the investigation. Two weeks later, I replied 45 days is too long of an extension, but I'd agree to 30 days. Literally 32 minutes later, the investigator closed the case saying the bank teller 's drawer reconciled. I feel like this was in retaliation for me not agreeing to yet another extension. I REALLY need my money back. Whether or not a drawer reconciled should not be the answer because it doesn't find or return my money - anyone wanting to steal cash could pocket the cash and reconcile the books. I want my funds returned to me immediately!!! I escalated to XXXX 's manager, XXXX, but I didn't get a return call or email from her. There's more.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OH)

According to the terms of my mortgage, I am able to make payment between XXXX and XXXX of the month. 

I would like to make my payment on the XXXX of the month. 

I asked my servicer ( not sure if it is technically XXXX XXXX XXXX or Dovenmuehle ) and they are unable to process auto-payment past the XXXX of the month due to a systems limitation. 

My complaint is that the system should be able to accommodate ability to make an auto-payment within the terms of the mortgage ( between XXXX and XXXX ).
Consumer complaint received 2021-04-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Drew Eckl & Farnham, LLP (GA)

XXXX  XXXX XXXX has threatened to sue me for a HELOC loan. I have been making payments on the HELOC every month. The Attorney that the XXXX used submitted incorrect financial amounts to XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-10-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (NJ)

I spoke to these people in XXXX of XXXX. I set up an arrangement using my debit card. My debit card was canceled due to fraud activity. I inadvertently neglected to call the debt collector and provide updated banking information. Today, XXXX/XXXX/XXXX, the company, XXXX XXXX, called. I explained that I was at work and I could not talk or make a payment. They pushed the matter and then got really nasty with me. XXXX XXXX XXXX threatened me with civil action if I did not pay. I said I was willing to settle this but could not do it at the moment because I was at work. He said " I 'm not calling you from a garage. I am at work too. '' I told him I did not appreciate his tone, and being rude was unnecessary. I asked for a number to call him back at. He provided me with XXXX. I want to note that this company called me from XXXX which is a NJ number. The XXXX number he provided is for NY state.
Consumer complaint received 2023-04-08
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. (FL)

I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2016-11-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I had 3 months trial loan modification from XX/XX/2016 to XX/XX/2016. 
I had made all XXXX months trial payments on time. The loan conciliation conference meeting was scheduled in XX/XX/XXXX for a loan modification at the local court. I was supposed to receive a final loan modification decision after making XXXX months trial payments ; however, I had not received anything from them. I made another extra payment while I was waiting for a decision. In the meantime, I had spoke with the person who works at the law firm ( for Wells Fargo Mortgage Co. ). As per she says, they had received the final loan modification from the Wells Fargo and we were approved. I had called Wells Fargo loan modification department and spoke with the XXXX. As per she says, the payment which I had made extra payment would be applied to XX/XX/XXXX payment ( which I would have a new loan modification from XX/XX/2016 ) and my first payment would start from XX/XX/2016 
However, an extra payment was not applied to XX/XX/XXXX payment and the Wells Fargo had not sent the mortgage statement which I was supposed to receive every month. 
Therefore, I would like to complaint my extra payment which have not applied to XX/XX/XXXX and they have lied to us. For that, I have XXXX month payment behind now. I would like to refund {$1300.00}.
Consumer complaint received 2024-04-24
Product: Credit 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: ALLY FINANCIAL INC. (PA)

A purchase was made to a pool company ( XXXX XXXX ) for a pool liner. The company sent an incorrect pool liner. We explained to them the issue and they sent another pool liner which was the incorrect size. This happened approximately XXXX times until we asked them to cancel the order. They then disconnected our account and would no longer accept our calls. When researching this company, the XXXX also shows they have done this to many other people. 
This was explained to the credit card company and they sided with me. They allowed this other pool company ( XXXX XXXX ) XXXX days to explain their side. 
After XXXX days, the money was removed from my account and all was good. 
On the XXXX day, they placed the money back on my account stating that the pool company provided sufficient information to prove their case. We have been fighting ever since. I am currently out the money and I still have no pool liner
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/CARE CREDIT fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). SYNCB/CARE CREDIT is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2021-09-01
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. (FL)

On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.
Consumer complaint received 2016-08-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

I sent a WESTERN UNION transfer to a SR. ATTONEY and he said he did n't get it and WESTERN UNION said it was paid correctly and I just received the letter from them stating it. and if you want me to FAX a copy I WILL.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

In desperation to quickly cover a few unplanned expenses, I took out a {$500.00} installment loan from Advance America. I knew the interest would be high. And it was. Very. 

But, " desperate times ... etc '' I thought. I began the process of paying back my loan when I noticed the miserable, almost non-existent amount the principle had gone down. 
Out of the {$470.00} (? ) given thus far, a meager {$68.00} went beyond their interest rate. 
The real culprit however appears to be a line item detailed as " CSO fee ''. 

Example : My last payment for {$200.00} ( {$100.00} more than the minimum due ) made on XX/XX/XXXX applied {$10.00} to my principal. The remaining {$190.00} went toward CSO fees and interest due. All excess funds after the minimum due was paid, went to the NEXT payment 's CSO fees..not the principal. 

While signing my paperwork, I was shown the total amount paid *were I to go the entirety of the loan term ; I was shocked. I 'll have paid almost {$2000.00} on a {$500.00} loan. 

I assured the employee overseeing the agreement, of an early payoff. Twice. Any other lending institution would interpret that as 'a resolve to pay less in fees and interest '. My associate met that comment with silence. Twice. 

I see now why. Clarifying that an early payoff does little to diminish the original amount borrowed, probably is n't great for business. At best, Payday lending practices are exploitive and predatory. Installment loans however, are a new and vicious tool for wealth extraction, ensuring financial indentured servitude. 

I take responsibility for failing to comprehend the terms. I quite honestly lacked the imagination for a loan of this structure. I still find its legality unfathomable. We would imprison an individual for privately lending with these terms. And yet this industry loans with relative impunity?
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc. (IL)

There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NV)

Im having a problem getting Cash Back funds owed to me when I closed my Chase Sapphire Visa account on XX/XX/XXXX. I was informed that the remaining XXXX Ultimate Rewards points I had left in my Chase account would be directly deposited to my personal bank checking account in the amount of {$380.00}. The same day I closed my Chase Sapphire Visa account I received an email confirmation that stated Congrats ****! Your rewards will soon be a direct deposit. It also stated Your Cash Back is on the way, ****! and the Ultimate Rewards Order Summary indicated a Cash Amount of {$380.00}. 

I called Chase Customer Service on XX/XX/XXXX to see why the Cash Back was never sent to my checking account and I was told that they would look into it. After not hearing back for two weeks I called Chase Customer Service again on XX/XX/XXXX and this time I was informed that there was nothing that could be done since the account was closed. I asked to speak to the Customer Service supervisor who reiterated again that there was nothing they could do since the account was closed. 

I sent a letter to XXXX XXXX XXXX, CEO of Chase on XX/XX/XXXX with all the pertinent details along with a copy of the Chase Cash Back email confirmation, and requested that it be forwarded to the proper department for getting the funds owed to me. The letter was confirmed to have been received on XX/XX/XXXX ; however, to date I have not heard back from anyone on how to receive the entitled Cash Back funds.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (AL)

Hello, I submitted my insurance declarations and have the paper trail. My insurance is currently {$3200.00} per year. Mr. cooper failed to connect my active insurance and purchased {$8000.00} insurance on my behalf. I would like a refund or I will need to seek legal remedies. Please see attached. Loan number XXXX. 

Thanks, XXXX
Consumer complaint received 2015-12-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (TX)

On XXXX XXXX, 2015 I mailed a validation letter to Phoenix Financial Services for a debt that they claim I owe them. I noticed it when I pulled my credit report recently, therefore I sent a validation letter requesting more information the account they claim I owe them. On XXXX XXXX, 2015 I received a letter with information related to the account with insufficient information. The statement attached to the letter does not provide detailed information such an itemized or details of services. The statement date is as of XXXX XXXX, 2015. Lastly, I have never been to XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's
Consumer complaint received 2024-02-13
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

Credence Resource Management ( CRM ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report. I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing XXXX and XXXX of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against CRM with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, CRM updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates CRM 's uncertainty about the accurate debt amount. 

In my response to CRM on the same day, XX/XX/XXXX, I requested concrete proof of debt notification and validation. However, their response on XX/XX/XXXX failed to provide any evidence of notification, no certified mail receipt or anything. Instead, CRM presented a validation of debt that contradicted the amount they had reported just eight days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, XXXX failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} or {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, XXXX 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both XXXX and XXXX further solidify that none of the involved parties are performing any meaningful investigation or verification.
Consumer complaint received 2022-07-20
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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

The date of the transaction is : XX/XX/2019 The amount is {$200.00} The card number ends in XXXX The Complaint is against Citi Bank The Rental Car Company that declined the transaction is XXXX in the XXXX Purchase through XXXX  XXXX The Complaint : I was issued a credit card by Citibank/XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX advertised as part of the card benefits. In XX/XX/2019, I rented a car in the XXXX and informed the Car Rental Company that I had a car rental insurance coverage on the Citi Credit Card which I used for the payment, hence declining the car rental company insurance. The car rental company told me that the worldwide car rental insurance that Citi Bank sold to me was deceitful and not acceptable. They requested me to pay for their own insurance which was very exorbitant. I refused to pay and they refused to rent the car to me and told me I would forfeit my payment. I forfeited the money based on the fact that Citi Bank deceived me into obtaining its credit card which could not deliver the benefits they promised. 

I therefore consider this as a gross violation of UDAAP and therefore request that Citi Bank reimburse me with money I lost due to their unfair and deceptive practice by selling a product that does not deliver on the advertised benefits. Citi Bank should contact XXXX at the XXXX XXXX location to confirm why they declined their insurance coverage despite providing evidence that it existed.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc (FL)

My neighborhood created a new HOA and came up with dues doubled what was expected. I wasnt able to pay them by the due date but I did eventually get onto the property management website and paid the amount that showed due according to the site, I paid the full amount due. About a week later I received a call from a collection agency, I advised them I had paid via the website. They stated they had not gotten a notice from the property management company did not notify them and I still had to pay it. The following year was paid on XX/XX/XXXX. The email to the HOA President says I still have to pay the collection company even though I paid them.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.