davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

There was XXXX unauthorized transactions on my American Express for XXXX card over the course of 3 days. I was given a temporary refund and then it was taken back out of my account because according to American Express the transactions were authorized and I needed to contact the merchant. I called to get information about contacting the merchant and was told that they would email the information to me. However when they did email it I could n't access it because the link expired in 24 hours. I called over 5 times to request that information again and speak to a manager. I was told that I would get a call back and the information resent each time and I never received the information or never ever received a call back. American Express then discontinued the American Express for XXXX card and I 've been trying to contact American Express since XX/XX/XXXX when the card was discontinued. The American Express for XXXX card phone number is discontinued and I 'm not able to get any information. This has been going on since XX/XX/2015.
Consumer complaint received 2024-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (NH)

On XX/XX/28 we received a notice that our mortgage was increasing by over {$1500.00}. This didn't make any sense to me as the insurance, taxes and XXXX dues have only gone up a small amount. After much back and forth with BSI Financial via phone, they ultimately admitted that they failed to account for the XXXX dues last year resulting in a huge shortage in our escrow account. 

We thought it was strange that they lowered our payment last year by $ XXXX but didn't think much of it. 

The XXXX dues have been in existence since the origination of our loan, so the fact that they would make this error makes no sense. But, the fact that we should be responsible for this now because of their mistake is unconscionable. We can not afford to pay an additional $ XXXX per month and feel that BSI should be responsible for paying this. 

We have had nothing with problems with them from the very beginning.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Have been trying to unlock my Equifax account. No problems whatsoever with either XXXX or XXXX. My Equifax account is locked and the call center employees have been unable to resolve the issue. First issue was a bit of a language barrier issue as the call center employee did not have a strong grasp of American based english. More important issue is that after faxing my highly sensitive and personal information as directed and told to wait up to 2 weeks for a response, nothing has happened. I am trying to get a mortgage and the freeze has made me unable to access a mortgage. The wait is outrageous and I need help simply getting access to my account. I can not afford another blind fax and waiting 2 weeks. Who faxes things anymore anyway? Just outrageously poor customer service.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

I was working on getting a consolidation loan through Navient for my federal loans. I had XXXX loans that they told me were ineligible because they were in bankruptcy status, even though my bankruptcy ended in XXXX of 2016. Also, there were accepting interest payments on them, even though they were in bankruptcy status. I contacted them 2 weeks ago and they told me that the loans were no longer in bankruptcy status and to re-submit the papers to add then to my consolidation loan. Then, 2 days ago, I got a letter saying they could not be added again due to them being in bankruptcy status.
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in 2017, which has had significant repercussions on my life since then. 

On [ Date ], my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

Being accused of an unauthorized money transfer from my savings to my checking account approved by wells fargo to a person that was not me. 

UNAUTHOTIZED APPROVAL GIVEN TO AN UNAUTHORIZED USER OVER THE PHONE TO HAVE ACCESS TO MY BANK ACCOUNT BY WELLS FARGO BANK.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MA)

I have a lot of hard inquiries in my credit report I don't recognize them I have 14 I only know 3 XXXX XXXX XXXX XXXX XXXX XXXX  I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at XXXX XXXX. In 2015, I lost my wallet at the store located at XXXX XXXX Located In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. 

Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft.

I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.

Thank you for your attention to this matter
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ALLY FINANCIAL INC. (CA)

This account was reported for fraud & identity theft ALLY BANK FORWARDED ME LETTERS STATING THE PROBLEM HAS BEEN RESOLVED THEY STATED THEY HAVE CLOSED THIS ACCOUNT FOR SECURITY REASONS & A NEW ACCOUNT HAS BEEN CREATED WITH NEW CARDS BEING SENT TO ME?? I have received the letters but no new card? I called ally bank & all I get is zero answers being transferred for over two hours ending the same no response!

IM TOLD THE ACCOUNT HAS BEEN CHARGED OFF? WHICH IT HAS NOT IT WAS CLEARED THRU FRUAD. NOTHING TO DO WITH ME ACTING IRRESPONSIBLY. I Want my cards sent to me replaced as promised immediately
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX Bank of America withdraw {$4100.00} from my checking account to offset a late credit card account, in violation of federal law. I called and talked to numerous people at Bank of America and they refused to reverse the offset, even when I reminded them that it is a violation of federal law to use a deposit account to offset a credit card debt
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been locked out and unable to access my credit report or any ongoing disputes despite filling out their online forms and calling them. This is a XXXX access issue once again, because as an XXXX XXXX, these hoops that there are no justifications with modern technology. Using COVID as an excuse is unacceptable. Open my account, update my information, finish the disputes.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (CA)

Mercedes-Benz of XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. I am NOT terminating or canceling this contract ; I am deducting my payment obligation on behalf of the debtor, as I have found several violations and frauds.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

On XXXX XXXX, XXXX, my automatically withdrawn monthly mortgage payment, to Wells Fargo Bank, was made. With this payment my mortgage balance was reduced to {$150000.00}. This reduced my balance, on my home valued by Wells Fargo 's own appraiser at {$200000.00}, to XXXX % LTV. I requested in writing the removal of PMI from my account because my balance was less than XXXX %. On XXXX XXXX, XXXX, Wells Fargo responded to my request by arbitrarily reducing the value of my home to {$170000.00}. They did this without an appraisal of any kind and they did it for the sole purpose of being able to continue to charge PMI on my account. This {$170000.00} figure is less than the amount of my original loan, XX/XX/XXXX, and is far less than their own appraisal of {$200000.00} which was made after I had added over {$40000.00} worth of improvements. 

These people have blatantly failed to comply with the requirements of the Homeowners Protection Act.
Consumer complaint received 2015-07-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am filing a complaint against Specialized Loan Servicing LLC ( SLS ). At best, SLS has a faulty billing/payment process. At worst, the SLS 's billing/payment process was intentionally designed to charge their customers additional interest and late fees. 

The HELOC loan my wife and I had with this company was at the end of its term, due date XXXX/XXXX/2015. I sent in a final payment to cover the remaining balance for the XXXX/XXXX/2015 billing cycle. SLS received this payment into their account on XXXX/XXXX/15, the due date for the given billing cycle. SLS is now claiming that we still owe {$95.00}. This loan should be closed and the balance set to XXXX. 

This was not the first time that SLS has made an error in their collection process and attempted to charge us for their error. Our loan was sold to SLS within the last year. The first payment that we made to SLS on this loan was recorded as a principal payment rather than a monthly payment. SLS attempted to charge us a late penalty for that given month. My wife had to call SLS to have them register our payment as our monthly payment and to have SLS remove the late penalty. 

With this latest error, I am convinced that SLS ' errors are actually part of the company 's business model - SLS makes errors and then charges unsuspecting customers penalties for SLS ' errors. 

Here is a timeline of my final payment to SLS:XXXX/XXXX/15 - mailed final payment to SLS in the form of a check. 
XXXX/XXXX/15 - the check was deposited by SLS, check is stamped " RECEIVED XXXX XXXX 2015 Teller XXXX ''. ( Please see attached image of check ) XXXX/XXXX/15 - amount of final payment was deducted from my bank account, based on bank account records. The payment was due on XXXX/XXXX/15, SLS received my payment on XXXX/XXXX/15. 
XXXX/XXXX/15 - received XXXX letters from SLS. XXXX stating that there is a remaining balance of {$62.00}, another stating that there is a remaining balance of {$95.00}. ( Please see attached image of letter requesting {$62.00} ) XXXX/XXXX/15 - called SLS at XXXX PT. Spoke to a XXXX, she transferred me to XXXX. Requested that the loan be closed and the balance be set to XXXX. XXXX said that we still owe the balance of the loan. I stated that I am not paying SLS another penny. 
XXXX/XXXX/15 - received XXXX letters from SLS. Both of these letters state that we owe {$95.00} on this loan. ( Please see attached image of letter requesting {$95.00} )
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX, I open up a Capital One credit card on or before XX/XX/2023, I requested to send my statement of charges to my email XXXX Capital one agreed. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/XXXX, each month no bill was sent each month XXXX charged a late fee and interest, each month I pay, Capital one also reports late payment to the credit bureau and Capital one creates the problem and their solution is well you can use the app to view your charges and I advised them each time that the app has issues of not working and again requesting to send each month before the due date, so its paid on time and late fees and interest stops. 
My credit score was XXXX, after taking the capital one card from mail to my home in XXXX to XXXX XXXX my XXXX XXXX when down to XXXX, this false reporting after I told them the problem each month capital one refuses to remove their mistakes from the false reporting, Each month was paid even late fees they created. 

This is false reporting about my credit, charging late fees and interest each month is unexceptionable when today again asked for a supervisor of capital one to send the credit card charges to XXXX And I was told by that person it was sent, I said I dont see it in my email the capital one employee said the email will take about XXXX business days to your email, very frustrating on not getting my statement each month. 
An email to take XXXX business days sets up late fees, interest charges and not knowing on time to avoid late fees. 

A screenshot of a letter sent to capital one on XXXX is provided with this complaint.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (VA)

We opened up a credit card with Wells Fargo and were approved for XXXX. With an immediate digital wallet amount of XXXX. We subsequently went to make a purchase from a furniture company online and a portion of the charge roughly {$1800.00} went through with no issue, {$7400.00} was denied. We called wells fargo and asked why the charges were denied and we were told that this is a known issue. It was likely that we did not activate the card, although the {$1800.00} charge went through. Since charges ( XXXX ) were requested through a digital wallet of XXXX and then denied it, took that money ( XXXX ) out of our checking account. You can imagine the stress of having that much money taken out of your account, we then overdrafted our checking account, and it left us with insufficient funds to pay our monthly bills. We asked Wells Fargo to make it right and put a complaint in. They said they would look into it and that a possible solution would be a cash advance with 0 % interest. 10 days later the complaint reached out to us, and stated that it was most likely a fraud alert. If this was fraud, and for it to take us reaching out to them, for the possible fraut to come to their awareness theres a larger issue. We would like Wells Fargo to make it right for putting us in a financial hardship when we were approved to utilize an amount of XXXX and an immediate utilization of {$13000.00}. Our initial purchases was under XXXX. The most concerning part and why I would like to advocate for others is it the multiple representatives that we spoke to within Wells Fargo told us that this was a known issue and something that they have to deal with regularly. If that is the case, they are doing their customers an injustice and their actions should be corrected. More than happy to discuss in further details all conversations to ensure the proper steps are taken taken in this resolution. Thank you.
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Enhanced Recovery Company has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency is violating my consumer rights by using misleading, misrepresentation and deceptive means. The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IA)

I am writing in response to your recent correspondence regarding the alleged debt associated with my account. I appreciate the validations you have sent ; however, I must emphasize that none of the provided documentation includes any agreement that I have signed, explicitly binding me to the debt collection efforts undertaken by your agency.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. This is stated as the late payments on my credit report and being shown to outside lenders that pull my report. When I called to setup a payment plan when hours were cut at my job last summer, I was not informed that the payment arrangement meant late payments still being reported to the bureaus. Before this, I never had missed/late payments and would like them removed from my report.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CT)

KeyBank is purchasing hazard insurance on my behalf and adding it to my mortgage balance without getting my consent ( while disregarding my proof of adequate dwelling coverage )!

This violates Connecticut law regarding over-insurance of a property. My property is covered at 125 % of the value of the dwelling. Keybank is attempting to insure the property at 125 % of the remaining loan amount.

The bureaucracy of the bank requires the " XXXX XXXX '' to contact the " Bank '' to rectify the situation, although the " XXXX XXXX '' directly bought insurance on my behalf. 

How can a bank break the law and increase my mortgage balance at the same time? And give me no recourse beyond hiring an attorney to sue?
Consumer complaint received 2024-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

This complaint is for BOTH XXXX and XXXX XXXX and concerns a joint savings account at Wells Fargo. We have been contacted by both the XXXX XXXX, PA and the XXXX, PA branches by different bankers many times to try to get us to change our savings account - for what purpose? We continually tell these people NO and to stop calling us. Also, the calls are bordering on harassment. We have spoken to the manager at XXXX XXXX in person, and the manager at XXXX just last month ( XX/XX/2024 ) and told them to stop calling us. Again, we have recently received another call from a banker at the XXXX XXXX, PA location. Stop calling us to change our bank product - savings account, and stop letting everyone working at these Wells Fargo locations access our private business. This is a breach of privacy and security of our account. We don't understand ehy these calls continue to occur once we have stated that we are not interested in changing our saving account.