davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WA)

Although the prepaid debit card states : " an inactivity fee of {$2.00} per month will be deducted from your available balance in the 13th month of card account inactivity '', it also states : Unless prohibited by law. According to Washington State : Wash. Rev. Code 19.240.040 Can enforce a dormancy or inactivity charge if : ( 1 ) disclosed as specified ; ( 2 ) The remaining value of the gift card is {$5.00} or less each time the charge is assessed ; ( 3 ) The charge does not exceed {$1.00} per month ; ( 4 ) The charge can only be assessed when there has been no activity on the gift card for 24 consecutive months, including but not limited to, purchases, the adding of value, or balance inquiries ; ( 5 ) The bearer may reload or add value to the gift card ; and ( 6 ) After a dormancy or inactivity charge is assessed, the remaining value of the gift certificate is redeemable in cash on demand. 

I was charged {$2.00} a month after 13 months of inactivity. I called about these charges ( via XXXX XXXX on XX/XX/XXXX and spoke with XXXX at XXXX XXXX, who confirmed that on XX/XX/XXXX, I had {$21.00} on my card ), after my account was drained from monthly inactivity fees, and was told I would be credited back the {$21.00} I had left on my card before the fees started. I received a new card, which I was assured would have the full amount on the card. When I called to activate my card, I was surprised to learn that this new card had a XXXX  ( XXXX ) balance. I called again and spoke with XXXX XXXX from XXXX XXXX on XX/XX/XXXX at XXXX XXXX and was on hold for about 30 minutes, with XXXX checking in with me every 10 minutes to make sure I was still on the line. He told me that XXXX did not finish the transaction and that he would look into it. Soon later, during the same phone call, XXXX told me that I had to show proof of the Washington State law and submit it to corporate for a review. I asked to speak to a supervisor, which I was granted. XXXX, the supervisor, told me there was nothing she could do and that I had to prove I was protected under Washington State law. I also informed XXXX that by law, the company would have to send me a notice by mail 90 days before the fees start to incur, before they can start charging me the inactivity fee. XXXX responded by stating that they are not bound to that law because of the terms and conditions included in the debit card packaging. This information sounds deceptive and leads me to believe that XXXX XXXX uses this practice to hoodwink their customers. 

My question is, shouldn't the corporation running these prepaid debit card programs be aware of the laws of each state? The way the company handled my complaint led me to believe that they have done the same act to many other people who are protected under their state laws.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (FL)

Received a letter from Client Services XX/XX/XXXX concerning collection of a XXXX XXXX XXXX account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the ensuing information about the alleged debt : name and address of original creditor, copy of the original signed contract , delegation of authority, and account / statement of payments including interest, and fees. To date I have not received this information, but I am receiving repeated call from this agency at home and work. My job does not permit me to take these calls at work and as such their calls are jeopardizing my employment.
Consumer complaint received 2020-01-18
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: EQUIFAX, INC. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2022-10-13
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. (OH)

XX/XX/2020 I disputed the validity of my bankruptcy to XXXX, Equifax, and XXXX. All 3 bureaus in XX/XX/2020 replied that they verified my bankruptcy through a 3rd party vendor XXXX XXXX. I find that hard to believe since a security freeze was placed on my XXXX XXXX file in XX/XX/2020. There is no way the credit bureaus verified my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

According to : 15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Today, XX/XX/2019 we used a service on our Wells Fargo app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called Wells Fargo and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

Since XX/XX/2020 I supposedly accepted an insurance plan to cover the credit card in the event that I become XXXX and can not make payments and this is being charged on my balance monthly. I have been charged over {$240.00} over the past 2 years and they say that I accepted this as part of my application, but this is slipped in during the application and often sneak out in, in a way so that if you do not uncheck a certain box you are accepting when you really are unaware of signing up for this. XXXX XXXX does this with all their cards and it should be illegal bc it's a scam!!! The government should do something about this!!!! I don't even have a way to view what I signed and they said that a package was sent to my address and that's a total lie. I don't even have an option to see my statement so I never knew about the scam they were doing to me.I don't have a copy of any document saying that I signed up for this. They only say that I accepted the plan electronically but they can say anything?
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MI)

Paid last month of rent at apartment complex and moved out, debt collection agency took over fees I did not know about and placed {$12000.00} in collections on my credit report without any written notice or validation of debt. Company is named Hunter Warfield and has harassed with phone calls which I would not answer unknowing if it is a scam.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay BLOOMINGDALES ( {$2100.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

XX/XX/2016 was sold to a collection company from XXXX XXXX XXXX, it was with XXXX XXXX XXXX for 3-4 years prior to that, I ditched cellular service to XXXX and XXXX   was paid in full by XXXX to move my device, and they where repaid by me the full amount about 7 years ago ... disputed credit report with XXXX   and removed after investigation, XXXX refuses to remove the negetive mark from my report.
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

NationStar dba Mr. Cooper took over our mortgage loan around XX/XX/XXXX. To date, we have received 1 statement in XXXX, 8 statements in XXXX, and 1 statement in XXXX. Of the mortgage statements provided, it appears that around XX/XX/XXXX, NationStar dba Mr. Cooper began taking monthly mortgage payments and applying payments to an unapplied separate account in lieu of applying all payments directly to our mortgage account. Since NationStar dba Mr. Cooper has taken over our mortgage loan, our monthly mortgage payment increased five times in XXXX and twice in XXXX. Notification of these mortgage increases are provided within two weeks of the next mortgage payment due date. We have 15 attachments ( totaling 91 pages ) of supporting documentation that indicates NationStar/Mr. Cooper has : 1 ) Mishandled monthly mortgage payments and unfairly increased our monthly payments 2 ) Mishandled our escrow account 3 ) Mishandled our private mortgage insurance 4 ) Violated property tax payments 5 ) Possible violation of RESPA 6 ) Violated the annual escrow analysis process 7 ) Possible violation of CFPA 8 ) Possible violation of HPA 9 ) Potentially failed to terminate our PMI automatically 10 ) Made false statements and provided false documents to federal agencies related to our mortgage loan 11 ) Threatened to sue us ( through their legal representative ) if we report information pertaining to the aforementioned issues to any state or federal entities.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (KY)

Sams Club Credit/Synchrony Bank fraudulently reported I was 30, 60 and 90 days late on my credit report when I was paying. After I went with XXXX ( a debt management company ) to have interest rates reduced Synchrony Bank ( Sams Club Credit ) started reporting me late. XXXX reached out to them at the time and they idicated they had been sending payments to the wrong account number and said they would fix it and didn't. I reported it to my credit bureaus and they said Synchrony Bank did not change it. 

The dates in question are from XXXX to XXXX on my credit report. I have attached my contract with XXXX and all the wire payments made to Synchrony Bank/Sams Club Credit during this time.
Consumer complaint received 2021-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

On XX/XX/XXXX I made a {$15000.00} payment and specified it was to go towards loan XXXX. I was notified several days later it was declined due to " invalid account number '' for the XXXX account. 

On XXXX I made a {$15000.00} payment again that was accepted using same account number for the XXXX account and specified it was for loan XXXX. This was applied incorrectly. and Navient split my payment from XXXX into {$6400.00} for loan XXXX and {$8500.00} for loan XXXX. Never did I give that direction. 

On XXXX I made another {$15000.00} payment using XXXX account and it was accepted. I specified each and every time that the payments were to credited towards loan XXXX, do not break apart, in half or otherwise. This seemed to have been made correctly. 

In order to pay off loan XXXX, on XXXX I looked up the payoff amount and was shown a balance of {$190.00} was due. Using my XXXX XXXX account ( which I have had and used before for at least 10 years XXXX, I made the final {$190.00} payment. Again, I was told the payment was declined due to " invalid account number ''. So, I went back online, looked at the balance due which was now {$190.00} and again made a payment again towards loan XXXX that was now applied incorrectly, when Navient split the payment again, applying only {$95.00} to the XXXX loan and putting {$98.00} toward loan XXXX. 

Today is XX/XX/XXXX and I am told within 3-4 days the loan will be applied correctly and a letter will go out within 20 days confirming loan XXXX is paid off. The same information I was given on XXXX and it was never done, with my payments broken apart to make sure both loans stay active despite my explicit direction and attempt to pay off one of the loans.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

I have had my GM Card since 2013 and never paid late. I have perfect credit and pay my balance in full each month. Marcus, by goldman sachs bought the GM Card accounts from XXXX XXXX  services in XXXX of this year. After the transition I received notice in XXXX they had increased my credit limit. Then on XX/XX/XXXX I received an email that my account had been closed for no apparent reason. I called that morning and asked why and was told an email with new terms of service was sent to me XX/XX/XXXX and I did not respond. I have no record of this email and the customer service rep stated that was the only email and notice sent. I have all my emails from Marcus and have no record of an email asking to agree to terms of service.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (FL)

There is an account from Pentagon Federal Credit Union that has continuously been reporting a charge-off on my credit report on a month-to-month basis, even though it was closed since XX/XX/2017. I have previously submitted disputes to the credit bureaus and Pentagon Federal Credit Union directly. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that the dispute remark is missing. The account also states it was closed at consumer 's request ; I never requested to close the account. 

If an account was truly closed because I requested to close it, how can it continuously be reporting a charge-off each month? This is inaccurate because the account is closed. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

It is also unfair to report negative information but not positive information, specifically the on-time payments I have made on the account that are showing as " No Data ''.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (MA)

Im accordance with the fair Credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-09-18
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: EQUIFAX, INC. (IL)

On XX/XX/19 I spoke to a rep from XXXX XXXX  named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX Bank account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX  to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (RI)

My wife and I applied for a mortgage with Quicken Loans in XXXX of 2020, we have a XXXX XXXX account and there is a relationship between XXXX and Quicken Loans. Because of Covid-19 the process moved slowly, but we did close on XXXX XXXX, we, my wife and I were understanding of the delays due to working from home. Here 's where everything goes crazy. Ten to 14 days later, I got a call from XXXX XXXX, telling us to rip up the contract, Quicken did not review our Trust documents. My question is, we only had three days to back out of that mortgage contract, how could they back out many days more than that? XXXX did say any expenses we incurred would be covered by Quicken, and we should close in about two weeks. I called XXXX XXXX, the original mortgage writer/banker and asked her about the loan, she said we would be closing on XXXX XXXX. We were having our kitchen remodeled and I didn't have time to chase the mortgage, In early XXXX I called XXXX XXXX, our XXXX Investment Advisor and asked if she had heard anything about the mortgage, XXXX made a call to Quicken. Fifteen minutes later, I received a call from XXXX XXXX XXXX asking if they could release the payoff info aver the phone? I gave XXXX the Ok to give Quicken the info. A half hour later, I receive a call from Quicken, they want to close the next day. I said, I can not, There are work men here every day finishing the kitchen. The next day, XXXX calls and told me, if we didn't close by Friday of that week we would lose that rate. I told XXXX, that's not right, someone forgot about the mortgage and then is trying to hurry the closing up to cover up a mistake at the office. I can not close that quickly. XXXX weeks later I called and spoke to a manager, after filling out a customer survey that definitely got someone's attention. We closed for a second time on XXXX XXXX this time Quicken did payoff XXXX and we did get the cash out check, equaling {$220000.00}. 
So you would think we were done, so would I, but a week before XXXX, I got a call from anoth person from Quicken, XXXX XXXX, telling me the papers we signed did not have our Trust information correctly listed. XXXX said we had to sign again and offered me {$500.00} for our inconvenience, I told XXXX XXXX wanted a lower mortgage rate, because I know rates have dropped since we locked in at 2.75 %. WE were able to get 2.25 % rate but they want to charge closing costs, I don't think that is fair for what they have put us through. We should have had the cash out money in XX/XX/2020, I had to sell stocks and incur gains which will raise my income taxes for both state and federal, that is the reason I was seeking a mortgage in the first place. Quicken wants us to close again just to sign new documents, why can't they put the new rate on those documents after seven months of aggravation?