davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

This account is being reported as past due monthly on my credit report. 
This account is not open however it is being reported every month as 30 days past due. 
In addition, the amount that I was charged was ridiculously excessive. 
The lenders has also engaged in predatory collection practices.
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I received the wire details from the lender for the closure on a property I was buying in XXXX FL. 
On XX/XX/XXXX I went to Wells Fargo XXXX XXXX in XXXX GA XXXX and I initiated the wire with the bank details I received on the email. The manager of the branch is the XXXXne who did the wire, she didnt confirm the bank details or account. Two hours later the secretary of the real state lawyer called me asking about the wire transfer, at that time I realized my email account was hacked. I contacted the manager of the WF bank and she initiated a recall process. Due to the long holiday the fund seated in the account but they were not refunded. The following Monday the manager of the bank contacted me with the information that the XXXX bank the recipient bank acknowledge the wire as fraud because of a name discrepancy. I was suppose to be credited back with all the money in 7-10 business days since the funds were on hold. 
By XX/XX/XXXX the money departed the XXXX and the fraudster was able to close the bank account. The Criminal investigation of the XXXX XXXX XXXX  confirmed the details of the person who opened the account which it was different to the one I intended to sent the wire and with all the details and clear proofs the XXXX bank still released the funds. I am being trying to recover the money and both bank are liable. The Wells Fargo bank FAILED to verify the bank details before sending the wire transfer, and the XXXX bank released the fund and lift the hold to an account that it was mark as fraudulent. The Wells Fargo as my bank is responsible for protecting my rights as a consumer and they should be liable to refund the money to me and charge the XXXX for the mistake, the XXXX  is ignoring this crime because I am not their customer and the Wells Fargo is leaving me unprotected, with this report I am here to request Wells Fargo to protect my rights, stand for me for this crime that took a place over 18 months and recover the money that the bank shouldve not allow to depart the account after the mistake of the branch manager. 

I have all legal documents including, police reports and investigation results showing the mistake of both banks, the XXXX bank did opened and allowed a fraudster to opene an account and relsewd the funds that were on hold marked as with fraud alert, but the Wells Fargo failed in verifying details with the XXXX bank before allowing the wire transfer to take place and did not stop the funds in time to be transferred to XXXX.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (KY)

I paid my Chase account in full on XX/XX/XXXX. My statement date was XX/XX/XXXX. Chase assessed me an interest charge on XX/XX/XXXX. Assessing interest on a closed account with a {$0.00} balance paid in full before the statement date is borderline wire fraud. Chase needs to refund this charge.
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (OH)

On or around XX/XX/XXXX I created an account with Gemini Trust Company LLC. They require submitting government ID to verify identify which I did. Gemini makes claims in advertising and on their website to the effect that once being fully verified, one can trade, deposit, and withdrawal with their exchange. I was able to deposit and withdrawal funds from Gemini from around XX/XX/XXXX to around XX/XX/XXXX. I made several deposits into my Gemini Trust Company LLC account, one on XX/XX/XXXX. I have now been notified by Gemini Trust Company LLC that I need to make a wire transfer into my account to continue to deposit, withdrawal, or buy. This is unacceptable from a consumer standpoint as I have funds being held in my Gemini Trust Company LLC account that I can not access. It was not stated in the TOS or mentioned in any material from Gemini that a wire transfer would be necessary to continue using the service. Allowing a customer to deposit funds and then barring their access to said funds is an unwarranted, suspicious, and malicious thing to do that has left me financially damaged.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

Comenity Bank XXXX took automatic payments from my bank account on XX/XX/21 in the amount of {$2400.00} twice. 

I called their customer service number and a representative told me they would refund XXXX of the {$2400.00} payments back to my bank account which posted on XX/XX/21. 

I received my XXXX monthly statement and observed that they added back {$2400.00} ( date of entry XX/XX/21 ). They have now billed me XXXX times for the {$2400.00} and only credited me once. I tried to explain that they made an error and neither the customer service rep or her supervisor would listen to me, stating I'm not looking at the statement correctly and that if I needed help, I could get someone I trusted to look at it. I replied that I am not mentally incapacitated and that if they looked at this carefully they could see that I am getting charged {$7200.00} for a {$2400.00} charge. The supervisor hung up on me.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (NY)

Unfortunately, at the height of the pandemic, I found myself with a dental emergency addressed by Dr. XXXX 's office. I provided my insurance information, he took care of the matter, and that was it. Not the case at all!! For more than six months, I have been battling with his office and Capital Accounts Inc because, somewhere along the line, the billing office has submitted the wrong social security number on my claim, and XXXX XXXX has not been able to pay it. Both my insurance company and I have made multiple requests to remove my information from collections because the error needs to be corrected on their part. We have spoken with the office manager, who is extremely rude and refuses to take my information out of collection until they get paid. How do you penalize a patient for an error committed by your staff? I am seriously considering suing. Dr. XXXX is an excellent oral surgeon ; however, regrettably, he is surrounded by incompetence. I do not know who else to turn to, but I feel victimized by the inability to resolve this matter due to his staff 's ineptitude.
Consumer complaint received 2021-10-21
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. (GA)

I have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (VA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

XX/XX/XXXX - We ( my husband and I ) closed on a home using a local-to-us title company. Shortly after ( less than one month ) our loan was sold to LOANCARE. Our closing documents as well as our Initial Escrow Account Disclosure Statement, lists XX/XX/XXXX as when County Property Taxes in the amount of {$960.00} would be paid. This amount also reflects the amount that was in the escrow account at closing, before our first mortgage payment after close. 

XX/XX/XXXX - Received a " Refund to Borrower '' check from LOANCARE for the amount of {$700.00}. The paperwork included only stated that our escrow account was in surplus, so the amount was returned to us. 

XXXX - Received a letter from the XXXX County District office stating that our property taxes were late, and were incurring late fees. At this point, I called LOANCARE to ask about why our taxes were late. At this time, via telephone, we were told that this issue would be taken care of, but we were not offered any other explanation for what happened. 

XX/XX/XXXX - Statement date for our Annual Escrow Account Disclosure. It reflected our escrow account to now be in a projected shortage of $ XXXX. Upon receiving the letter, we called LOANCARE to ask about the projected shortage. We were not given any direct answers. Instead, we were only told that our taxes had been paid on our behalf from our escrow account. I asked why we were sent a refund check if these taxes had not been paid yet. I did not receive a clear answer. We were only told that the taxes were not paid initially because the due date was too close to our closing date. This is not true. We closed on XX/XX/XXXX, and the taxes were not due ( PER THE DISTRICT OFFICE ) until XX/XX/XXXX. 

XXXX - We retained a lawyer who suggested writing a certified letter ourselves, and offered advice on what questions to ask. We did so, received a receipt that the letter was received, and waited. Eventually, we received back information that we did not believe answered our questions. 

XX/XX/XXXX - We paid our lawyer to send a certified letter of his own. Since this date, he has not received a response from them. I am unsure if this involves any receipt of signature or not. 

XX/XX/XXXX - I call LOANCARE in order to inquire about the status of our letter via lawyer. Per the customer service rep I spoke with, they received no letter. 

XX/XX/XXXX - We have retained new legal counsel in order to more aggressively pursue answers. This is also the date of writing this complaint.
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IN)

My mortgage has been paid off for over month yet my escrow has not been received address XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX My money was paid promptly _ PLEASE RETURN MY ESCROW!!!!!!!!!!!!!!!!!!! 
XXXX XXXX at XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

EXQUIFAX, HAS BEN REPORTING COMPLETELY INCORRECT INFORMATION FOR THE LAST 4 YEARS. 

MY CREDIT CARD BALANCES ARE NEVER REPORTED CORRECTLY. 
THEY ARE ALWAYS REPORTED AT A MUCH HIGHER PERCENTAGE THAN IS ACTUALLY DUE IN COMPARISON TO XXXX XXXX AND XXXX. 

THEY ALSO HAVE REPEATEDLY CONDUCTED THEIR OWN DISPUTES THAT I HAVE NO ACCESS TO. I GET AN EMAIL STATING THAT A DISPUTE HAS BEEN COMPLETED THEN WHEN I GOT TO THE LINK IN THE EMAIL TO VIEW THE RESULTS, NOTHING IS THERE.. 

I GOT TO TRY TO CHANGE MY PASSWORD AND IT SAYS I CANT. EQUIFAX IS NOT AT ALL A RELIABLE SOURCE FRO CREDIT REPORTING AND NOW I FEAR THAT SOMETHING OR SOMEONE HAS ONCE AGAIN GAINED ACCESS TO MY PRIVATE INFORMATION THRU EQUIFAX HACK. 

WHY AM I UNABLE TO ACCESS MY OWN ACCOUNT INFORMATION OR EVEN LOGIN TO THEIR SO CALLED MYEQUIFAX.COM ACCOUNT AND VEIW MY REPORT STATUS AND SEE WHERE THESE DISPUTES ARE EVEN COMING FROM. 

I HAVE HAD FILE SEVERAL COMPLAINTS ABOUT THESE CREDIT REPORTING AGENCIES AND ITS TIME SOMETHING BE DONE TO MAKE THEM PAY FOR THEIR HARM TO OUR CREDIT FILES. 

BELOW ARE SCREENSHOTS OF WHAT HAPPENS WHENEVER I TRY TO LOG IN TO MY ACCOUNT OR EVEN CHANGE THE PASSWORD, MEANWHILE MY SCORE DROPPED OVER 25 POINTS OVERNIGHT ON THE XXXX AFTER THIS SO CALLED DISPUTE RESOLUTION AND IT SAYS ITS BECAUSE MY CREDIT CARD BALANCE WENT UP {$48.00} ...? WHY IS MY SCORE SO LOW ON EQUIFAX COMPARED TO XXXX AND XXXX LITERALLY OVER 75 POINTS OR MORE LOWER,
Consumer complaint received 2018-05-30
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. (OH)

Equifax is reporting a federal bankruptcy on my credit report. The reference number is : XXXX for the amount of {$0.00}. It says the file date is XX/XX/XXXX. This information is incorrect and is hurting my ability to obtain credit. I couldnt of possibly filed in XX/XX/XXXX when I wasnt even born until XX/XX/XXXX. I would like this information removed immediately.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I filled out a letter stating that I was requesting my free annual report from Equifax. They sent a letter back saying that I was filing a dispute that I never requested. They've also stated that I am being under investigation for the dispute, I feel that they are trying to sabotage something with my credit file in the process.
Consumer complaint received 2020-04-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (OK)

On XX/XX/2019, I took out a payday loan from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 675 % APR. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the  number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. The more I looked, it seems like this a " tribal payday lending '' scam. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. Thanks for your help
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (MI)

I had a Wells Fargo credit card. I was making monthly payments automatically. After some time, I noticed that Wells Fargo was charging me late fees. When I inquired, they said they had n't received my payments on time. But my receipts from XXXX show that the automatic payments came out of the first or second of every month ; therefore, I should never have been charged any late fees at all. When I called Wells Fargo on multiple occasions, they offered to remove only XXXX of the XXXX late fees.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/15, I learned of multiple transactions that were unauthorized and made on my Wells Fargo Checking visa debit card. In total there were 15 transactions for a total of {$7500.00}. 

Wells Fargo waited until the last day before having to resolve the claim before issuing any provisional credit if not resolved within 10 business days. 

On the last day, they sent a vague denial without any justification despite the card being issued with Visa XXXX liability protection and in violation of Reg E.
Consumer complaint received 2017-01-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Principal Group, LLC (MI)

I took out a payday loan in XXXX which was paid in full. Now, 11 years later I have a company contacting me constantly stating that I never paid the debt and that they are going to sue me. They have even contacted my family members and my in laws ( whom I did n't meet until XXXX ) I have explained to the company that I do not owe anything for that loan and they become rude and start calling me a liar, etc. I honestly believe that they got a hold of my information somehow and are just trying to scam me out of money. The original creditor has never made any attempt to contact me in regards to any discrepancies on my account.
Consumer complaint received 2017-01-27
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: U.S. BANCORP (GA)

I purchased XXXX gift cards each for {$490.00} + {$5.00} activation fee for each card. When I tried to register and use the cards, I was informed they cards had been " compromised '' as the cards were attempted to be used several weeks before I even purchased them. So they were not activated as a security measure by the company. They informed me they would send me out XXXX new cards to replace these cards. The XXXX new replacement cards were loaded with {$490.00} - {$5.00} fee. So for buying XXXX cards originally, I have now been charged fees on XXXX cards, the XXXX original and the XXXX replacement cards.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NV)

I fell behind on my mortgage due to medical issues in XXXX XXXX. I hired an attorney to help me submit an application for assistance with my lender US Bank. My attorney submitted my complete financial package on XXXX XXXX, XXXX. US Bank sent me a letter dated XXXX XXXX, XXXX, confirming my complete application was received. My attorney has been contacting US Bank since then and they now say there is no review open and they have no status of my review. According to my attorney, RESPA Reg X requires my lender, US Bank, to give me a decision in 30 days after receiving my complete application. Today is XXXX XXXX, XXXX and It has been 45 days since my application was confirmed complete. I have no review open and I am getting closer and closer to a foreclosure.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

I was contacted by Receivables Performance Management, LLC ( RPM ) located out of XXXX Washington. RPM called my cell phone about XXXX times and continued to call me XXXX times after telling them to stop calling which was about the XXXX phone call made to my cell phone. 

I have never heard from this company and have never had any account with or never given them my private mobile number. They admitted they were attempting to reach another person that I have no knowledge of.
Consumer complaint received 2016-09-03
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (TX)

Green Planet never changed the status of my foreclosure on my home to reflect it was closed until my employer informed me in XXXX XXXX that my job was in jeopardy due to this discrepancy. I contacted Green Planet in XXXX XXXX after my home was officially no longer mine as of XXXX XXXX to dispute that I still owed a debt for this home. I disputed the status of the foreclosure, which finally lead them to close it in XXXX XXXX. I am currently trying to purchase a home and have been denied by the underwriter due to the incorrect closing date of the foreclosure. It currently reflects XXXX XXXX, however it needs to reflect the correct date of XXXX XXXX.
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (VA)

I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is a closed account which has been discharged under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. Please have my credit reporting with the accurate accounts. Have all the derogatories off my credit file.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX XXXX, 2017, To whom it may concern, I am writing to dispute the information on my public record. This information does not pertain to me, it is inaccurate. The information below must be removed from my credit report as soon as possible. Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax : XXXX. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Bankruptcies
Consumer complaint received 2021-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big City Finance, LLLP (TX)

Loan was applied for in my name, but it was not me ( fraudulent loan application ). Loan company was Power Finance Texas ( XXXX / XXXX ). I contacted the company, and asked that the loan not be funded and that my account be closed.