davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CA)

To whom it may concern, TSI/940 has charged my account for someones elses bill. XXXX had my infomation on file and a teneat was occupying the property and the bill was in there name at the time I was billed. I never recived any bill because it was not my responsibly. The bill is paid off in full and I called spoke to a rude supervisor who finally resolved the issue and said she update dthe account and it would be deleted off my reporta and transfered to the old tenats responsible. This wa in XX/XX/2018 it still is reporting to my credit report.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 at XXXX XXXX at XXXX XXXX XXXX, XXXX, New York XXXX I was informed that my Chase Checking account was closed by the Branch Manager Vice President XXXX XXXX. 

Lost Prevention informed me they did not know why. ( XXXX ) Lost Prevention ( XXXX ) informed me that it was closed for No specific reason, they felt like it. That is the reason. 
On that day I was about to deposit {$1000.00} into my Chase checking account, which has a balance in it. This account is used to pay my Chase Home loan and other bills. 
I have had accounts with Chase for years.

After coming home I called Chase and spoke with XXXX at Loss Prevention XXXX, She had no further information. 










































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Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

In XX/XX/2018 after over 2 months of my Land Lord failing to supply my apartment with electricity, I exercised my right to vacate the rental property due to the Land Lord 's failure to meet their obligation for warranty of habitability. The Land Lord neither compensated me for the loss of use for the two months, and failed to respond to my numerous requests to correct the situation. Illinois Lease Law allows the tenant to vacate the property due to breach of warranty of habitability after, and I provided my Land Lord with written notice of my intent to vacate the property. The land lord has never received a judgement against me, and sent the unpaid portion of my lease to collections without receiving a judgement. Further the collection agency failed to notify my of my right to dispute the claim, and can not produce proof that I was notified. This is an unfair collection action that is negatively impacting my credit, and harming my ability to get a loan for my daughter 's college tuition.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

Hello Sir, I have purchased the hardwood flooring from LL FLOORING with 0 % financing offer in XXXX and it was financed by SYNCHRONY BANK with XXXX % interest for 24 month. I have been regularly paying the due payments without any missed payments since it was financed. SYNCHRONY BANK have not notified me via mail about the payments or ending terms. Also, when I asked about the statements from the beginning to see how much total I have paid, they have refused to provide the Year XXXX statement. But instead they have charged the 29 % interest for all 24 months + 3 month on top. I have called them many times for paying the balance amount {$3400.00} but they have added the interest {$4300.00} on top of that and asked me to pay {$7400.00}. Also, without my consent they were keep charging interest and deducting from my checking account monthly till the date XX/XX/XXXX. To avoid the additional interest they didn't left me any option option but I ended up paying the balance + interest + interest which is {$7400.00}.. 

Per XXXX statement the balance was : Balance : {$3400.00} +/- Credits, Fees & Adjustments ( net ) : {$120.00} +/- Interest Charge ( net ) : {$4300.00} They have increased the Total balance + 29 % interest for XXXX month = {$7700.00} as of XXXX I was supposed to pay balance amount {$3400.00} after all the monthly payments those were made by me. But Balance as of XXXX showed as {$7400.00}. 

I would like to request for investigate the Credit Card company SYNCHRONY BANK 's bad practices and not informing consumer when the major terms ends. We had a no clue about this much big charges in sudden. If I was made aware by the bank 's via notice/letter, I could have made the final payment on time but they didn't give me any chance. 

Hopefully, you can resolve this matter and investigate the interest charges and why not informing customers by sending the letter via mail. 

With Regards XXXX XXXX
Consumer complaint received 2019-08-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (PR)

My issue is about the time giving me XXXX XXXX XXXX to making the loan Payment was to early to provide making payments in the period stablish. I was continued study my XXXX XXXX on that time, I m Submiting the student Loan on XX/XX/2012 at XXXX XXXX XXXX. 
I am a Graduated from XXXX XXXX XXXX for a XXXX degree XXXX XXXX  XXXX on XXXX XXXX. 
My university completed and send the defertment Disclousure at the time requested by XXXX XXXX office, also maintain comunication by Phone calls. I Feel there was a ilegal management about my account, because XXXX XXXX XXXX sale my account to EOS CCA Collector Agency, without any agreetment or payment option to me. 
My credict History is actually it been Damage by XXXX XXXX XXXX and without the posibility to request financial support to other banks or to receive beneficts an services. 
Customer have the rights to have good credict by the credict fair Law. 
I hope that your investigation finding are positive in response to this issue. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX TO : The Consumer Financial Protection Bureau RE : XXXX XXXX failure to correct a teller error in a timely manner I am currently in XXXX attending film festivals that are presenting my new film. Last Thursday, as I headed for XXXX, a long-awaited refund check of {$61.00} XXXX arrived from the California XXXX XXXX XXXX XXXX. It was made out to XXXX XXXX XXXX, XXXX, one of my legal entities. WELLS FARGO account # XXXX. Routing number XXXX, A copy of the California XXXX XXXX check made out to XXXX XXXX XXXX is attached. 

My assistant took it to my branch of Wells Fargo Bank. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, A teller named XXXX deposited it NOT to the account of my legal entity but to the XXXX California XXXX Plan. It is impossible that she did not notice she was depositing a check made out to XXXX XXXX XXXX to a Wells Fargo account belonging to California XXXX XXXX. 

As soon as my assistant sent me the proof of deposit, at about XXXX p.m. on Thursday, I noticed the error and immediately alerted Wells Fargo online. The reference # for that complaint is XXXX XXXX. The next morning my assistant returned to the branch. XXXX, who is a bank XXXX and quite competent and efficient, took charge. She filed Case # XXXX. I spoke with her. She agrees it is a bank error. 

Three business days have passed. No refund. No updates. This is unacceptable, especially given XXXX XXXX recent history of cheating customers ( opening fake bank accounts, etc ). I am asking CFPB to intervene. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-08-02
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: EQUIFAX, INC. (PA)

Equifax removed a negative account from my XXXX  file, XXXX XXXX which I never owned, then dropped my XXXX score from a current XXXX to a XXXX ... .while I have nothing but current paid credit account, along with increased credit lines over past 2 months from accounts ... my score is being low based by their system
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to Equifax , XXXX   and XXXX. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXXXXXX  removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX/XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-10-16
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: EQUIFAX, INC. (SC)

XX/XX/2022 - I recieved my credit report and noticed XXXX inquiries that I do not recognize. I did not fill not applications for these companies to check my credit. I have a security alert on my credit and was not notified about these companies pulling my credit. I have highlighted the companies and attached my most recent consumer credit report. The company names are : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX, XXXX.
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: X5 Home Loans LLC (MA)

I am purchasing a new built home with a mortgage rate of 2.7 %. The initial VA appraisal was done, but a follow up was needed to confirm that everything that was described was completed. The original closing date was XX/XX/2022 but due to a delay with the builder I had to pay an extension fee to keep my rate. I paid about {$3600.00} and extended it to XX/XX/2022. I was told by my lender that we were waiting on the confirmation appraisal by the VA and that the XXXX would be fine. When the XXXX came around the confirmation was never received because the lender never notified the VA that the building was complete. I had to them extend my rate to XX/XX/2022 and pay an additional $ XXXX. I explained to the lender they should be responsible for the fee because they burden the appraisal process but they told me it was the builders fault and that if I wanted I could take my business else where. Every VA appraisal process article I read, explained that the builder is never involved with the appraisal process just the lender, as they have to use a portal to request it. I just want my second extension fee money back and the lender to admit his mistake in the matter. Im attaching my closing documents which show the fee and my email to XXXX mentioning this burden is theirs, however there was no response.
Consumer complaint received 2019-08-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (NY)

I originally borrowed about {$6400.00} in student loans from Wells Fargo. I was the first in my family to go to college, and did not know anything about financing my education, nor did I understand interest rates and repayment terms. I have been paying my loan every month for over a decade now, and still owe {$5400.00} In total, I have already paid over {$9100.00}, including {$6500.00} in interest alone ( more than the original loan amount ). At this rate, it will take me 12 additional years ( 22 years in total ) to pay off the loan, and I will have paid Wells Fargo over {$16000.00} in interest ( 260 % of the original loan amount ). For a {$6400.00} student loan. 

When I told a branch manager my situation, she was completely appalled and said she would try to call the student loan department herself, though it was unsuccessful. When I called the student loan department, my case was referred to the Executive Office. When someone finally called me back from the Executive Office, I was told there was nothing that could be done because I signed on the line and according to him, " knew what [ I ] was signing. '' His only solution was to take out another private student loan to pay off this loan. 

Wells Fargo knowingly took advantage of a weaker party who did not understand what she was signing, and was in an inferior bargaining position. The current interest rate on the loan is 13.240 % and continues to go up. California courts ( where the loan originated ) have determined that the contract doctrine of unconscionability may provide a remedy for student loans with exorbitant interest rates. Bringing a lawsuit, however, would likely cost more than the amount owed on the loan.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MI)

According to the CARES act you can get a refund of any student loan payments made during the payment pause ( beginning XX/XX/XXXX ). I paid off my loans on XX/XX/XXXX during the payment pause with a final payment totaling {$10000.00}. Once learning of loan forgiveness I applied for a refund of the XX/XX/XXXX payment totaling {$10000.00} on XX/XX/XXXX. While speaking with EDFinancial on XX/XX/XXXX they informed me that my refund request was processing. I did not receive any email confirmation and my online account showed no updated information. After waiting for nearly six weeks and checking the status of my online account regularly and getting no new information I once again called EDFinancial. When I asked for the status of my refund I was given the same information I had been given six weeks prior, " processing. '' I asked to clarify that she could give me no new information, no timeline, no estimates even about when my refund would come through. She gave me nothing. Then I asked if there was someone I could speak to that would have more information for me she told me no, " there was no one in the company that had any information for me. '' I was astounded. To flat out express that no one in the entire company could help was unbelievable. I then asked if I should contact the Department of Treasury and she replied no, that no one there would have any information either. I am aware that many people have applied for refunds, however, it is their ( EDFinancial ) job to service loans- including refunds. I do not understand how there is no information on the status of my loan and that I am simply expected to wait patiently for as long as EDFinancial desires. That such a large company can just treat people like this is wrong. I have asked for a legal refund and have been given nothing but silence. I would like my refund processed and a more transparent system to help future customers avoid such a frusterating process.
Consumer complaint received 2022-05-31
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)

I sent updated letter to XXXX Equfax and XXXX  to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (IL)

Tried to call and make payment on XX/XX/XXXX, kept getting a recording that call center is closed even though posted hours of operation are Monday through Friday XXXX. to XXXX XXXX  central time. Placed first call at XXXX XXXX. central time. Unable to get through, tried paying online, and got a message that Unable to pay my mortgage online.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (WA)

I recently ( 5 1/2 weeks ago ) refinanced my home and my mortgage was paid off with this bank. I am trying to complete my taxes and access my 1098 via my online account per the email I was sent in XXXX of this year. The institution has since closed my online account, blocking my access to vital tax documents and all prior statements of my account as I had elected for paperless documents. 

This is not my first issue with this bank which is one  of the reasons I refinanced, to make sure I would no longer have to deal with this institution.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

To Whom It May Concern:
I received a copy of my credit report and found the following item(s) to be in error:
1. The wrong amount is being reported
XXXX
Account Number: XXXX
This is not mine.
2. This an incorrect account number XXXX XXXX XXXX
Account Number: XXXX
Please remove this inaccurate information from my credit report.
3. This an incorrect account number
XXXX XXXX  Account Number: XXXX  Please remove this inaccurate information from my credit report.
4. This an incorrect account number XXXX XXXX  Account Number: XXXX
Please investigate and delete from my credit report.
5. This an incorrect account number
XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX
Please ensure that all information is accurate
6. This is a duplicate account
XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
7. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
8. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
9. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
10. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX
Please remove it from my credit report.
11. This is an incorrect account number
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

My name is XXXX XXXX. I received a letter from ERC on XX/XX/2021. The letter is regarding a debt of {$150.00} to XXXX XXXX XXXX XXXX. My wife called the company since my XXXX is limited. I was asked if i ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. To be clear I have never lived at this address and I don't know anyone who lives at this address. I informed the company that I have never lived at this address, that I have never had an account with XXXX XXXX XXXX XXXX, and that I was not going to make any payments on the account because it is not my account or my debt. 

ERC informed me that I could go to directtv/notmydebt, login, and dispute the account. I asked how I was suppose to log in if i do not have an account with them. ERC provided me with the account number for the XXXX account. I asked if I log in to XXXX with the account number you provide it can be deemed as my account since only the one who created the account would have the account number. The ERC representative replied yes it might. The agent also asked me multiple times, if i ever authorized anyone to open on account on my behalf. Multiple times i responded no I have not. 

I returned the form they provide where i dispute the account because it is not my debt and asked to be provided with name and address of the original creditor. I also created an account on the ERC website where i submitted a Fraud complaint, a dispute, and a complaint. 

As i mentioned before although my name is XXXX XXXX. I have never lived at the address they provided XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I have never had an account with XXXX. I have never authorized anyone to open an account on my behalf.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

Related to claim # XXXX Over 10 days I deposited the check. 10 days that the check was cashed and US bank has not released the funds and now I did a 3 way call with XXXX they changed their story. 

They said that since I don't commonly make deposits from this issuer ( XXXX ) they have to hold the funds for 15 days to avoid scams. 

XXXX told them the check was cashed and funds released since XX/XX/2022. Today is XX/XX/2022 and " XXXX '' at Fraud department kept me on hold for over 33 minutes stating there is no manager or supervisors available as they work remote and they can't get a hold of one, neither by phone or chat and I will have to wait for the funds to be released. 

The service for this bank is extremely POOR. Their branch service is horrible.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I opened Citibank checking account in XX/XX/2022 and I transferred a total of {$15000.00} from my XXXX XXXX XXXX. A week after I opened my account, Citibank decided to close my account and accused me of fraudulent activity. I provided the approval of the fund and all of the documents to Citibank but in early XXXX, they decided to close my account. I have never received any mail, email, text, call, or information regarding my bank closure. I found out this information because I keep calling and visiting their branches. They promised me to send a check within 60 days but they just sent me {$200.00} and the rest of the {$15000.00} I haven't received it until today which is over 3 months already.