davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received dispute results from Transunion about this bankruptcy stating that it was verified. The problem is that Transunion states that XXXX is their bankruptcy data furnisher because this alleged bankruptcy is shown to be from 2017 and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Transunion genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy! 

Account : US Bankruptcy Reference # : XXXX
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having a problem getting a copy of my Chex Systems Consumer Report, I am entitled to. All of the accounts and credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized accounts and credit inquiries.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a business credit card with capital one in XXXX and accrued XXXX rewards points. The business the card was opened for unfortunately had a rough year w one of the partners embezzling a lot of money out of the company, forcing the company into bankruptcy. The card has not been used in a quite a while so I did not think to move the points out of my account into one of my other capital one accounts w rewards points. 
My account was in good standing, I dont believe there was any debt on it, ( maybe an annual fee charge ) and I feel that capital one should gift me the points back as there is no reason I should be penalized for a partner destroying my business. I called on XX/XX/XXXX and didnt have any luck getting an employee to assist in retrieving or replacing my points. Its been a very difficult year and this is really pushing me over the edge, as I planned to travel w the family to get away from all this.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.s.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Comenity bank!!! 
All I should have to say! 
Their website and phone lines have been down over a week to make payments! 

We can't make any payments and they are due! 
We are gon na be charged with a late fee!!
Consumer complaint received 2021-11-27
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: OneMain Finance Corporation (PA)

I contacted One Main Financial 's XXXX XXXX PA office via phone in mid XXXX, 2021. 

During an extensive discussion about my financial needs, situation, and assets, I DID provide my SS #. 

On this initial phone call, well before anything was agreed to, upon learning that the interest rate would be in the range of 22 % plus, I made it very very clear that there would be no further interest by me in their services and " thanks anyway '' The following day, an agent called again to attempt to get my business, I made it clear again it would not happen, stating " thanks anyway '' Still, after this, One Main Financial pulled my credit report for loan qualification assessment with NO PERMISSION FROM ME to do so, and in fact, with my expressly stated position that we would not do business. 

This is clearly a violation of protocol since credit inquiries such as this damage my credit score, and it is completely up to me to expressly allow or deny such inquiries.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was charged late fee by capital one credit card even though I had made my payment on time. When I called the bank, they told me that they had internal compute issues and it was automatic charged by their computer. But that was corrected and reversal and never posted to my statement. The XXXX XXXX  failed to notified me on their internal computer issues and took care it without informing. I am sure that they are liable to inform there customers for this kind of issues. Please look into it and I am sure I am not the only one effected. I spoke to XXXX XXXX, rep id # XXXX on XX/XX/22.
Consumer complaint received 2021-11-27
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (PA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A hard inquiry was made by XXXX on my TransUnion credit report on XX/XX/21. I had made no requests for credit. I called XXXX XXXX XXXX XXXX and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both TransUnion and to XXXX and await their response hoping that this is thoroughly investigated and the inquiry removed from my report immediately.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

So my Paypal account got limited last year for no reason .It has {$750.00} in it. Paypal then emailed me saying that in XXXX days I will able to withdraw my money out of my account. It has been XXXX XXXX since that email! I've tried calling customer support many times and they keep telling me the same thing.
Consumer complaint received 2022-06-28
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. (NY)

The problem is with Comenity Bank ( now part of Bread XXXX XXXX XXXX Comenity is the bank that issued my Sony credit card ( a XXXX  card ). Comenitys site is down and their phone lines are off ( the recording said the company lines were closed due to unforeseen circumstances. ) This has been the case since at least XX/XX/XXXX when I first went to pay my bill online. Its now XX/XX/XXXX and my bill is due today and they are providing no way to pay it. I have an XXXX credit rating and dont want to lose that. Comenity is now saying this was a planned shutdown but I never received advanced notice and its been going on for days. Concerned Ill get a late fee / interest.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NY)

I am a consumer and member that have been taken advantage of by Navy Federal Credit Union with their illegal practices of banking policies and procedures. This all started when I noticed I had an overdraft/ insufficient funds on my account. Due to this overdraft/insufficient funds my account was restricted where I was not able to make online deposits as well as barred for 7 years from opening a business account. Most recently NFCU has been transferring from my checking account or savings account to credit cards and loans without my authorization. These unauthorized transfers caused vendors to not get paid and cause me an adverse action by services being cut off or charged fees for insufficient funds. The most recent transaction was a deposit of money order to checking account of {$200.00} and some cents and {$180.00} and some cents were transfered by NFCU without my consent and authorization. This action is going to cause a vendor I made arrangements to pay {$110.00} and some cents to not be paid. Furthermore I was not given proper notice and full disclosure in regards to these accounts. I called NFCU prior to this transfer and I was told that they are allowed to go in my checking and savings account to put towards accounts past due/ owed. This is not right and violations on so many levels. I would like all funds taken to be returned and because of non compliance to federal laws of Truth In Lending Act, Equal Credit Opportunity Act, Electronic Funds Transfer Act, Fair Debt Collection Practices Act, all contracts are null and void.
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

My mortgage service company started pre-foreclosure procedures even though I am not yet XXXX days behind my payments. I have also filed for a loan modification application before I received the pre-foreclosure letter. When I contacted the service provider they stated that both actions are not related and that I can ignore the pre-foreclosure letter since I have filed a loan modification application which I believe is not correct information. 

The service provider does not provide clear guidance on which articles might be missing and details around the actual missing data as the verbiage used is very generic and confusing. When I call online, every time I get a different person and they tend to be vague in their replies and not sure of what the underwriter is clearly looking for and what I should do next. For example, On one occasion they outlined a payment to a visa card on my bank statement as a transfer to another bank account. As I explained that the this was not a transfer, but a card payment. Finally after back and forth for a couple of days, I had to escalate to a supervisor who stated that it's better to supply the credit card statement to satisfy the underwriter, which I did. On a different occasion, the underwriter will ask for the same document multiple times even though it has been uploaded to their websites which send confirmation of the upload every time it's successful. It usually takes calling multiple times to have the service company acknowledge they got the statement they wanted. I feel sometimes that the delays are on purpose to circumvent the process and cause it to go beyond the allocated period. 

Most of the time I end up uploading the same documents based on what I receive from them. Extremely exhausting process and faulty at best as you do not have one party that works with you directly to solve any missing application items. Currently, I have been calling every day with very few movements.
Consumer complaint received 2021-11-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (VA)

Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( XXXX ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased my payment and my rate. 
I already sent all the information requesting a Loan Modification. They are delaying and they have not responded to my request for Loan modification even though I already sent all the information.

They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt.

This time I should be helped since I am the home owner. As the FHA guidelines suggest.

My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX XXXXXXXX XXXX See pictures. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch XXXX XXXX. 
I am attaching the documents that prove the statements I declared : Attachment I. - XX/XX/2021, Sent the paystubs that you required. 
Attachment XXXX. XX/XX/2021. Sent ALL the documentation including application everything included in the email. 
Attachment XXXX. XX/XX/XXXX Official Loan Modification request. 
Attachment IV. Pictures of my XXXX XXXX 
I have not sent anything else after XX/XX/XXXX ; therefore they claimed that I completed until XX/XX/2021 that is not correct. And I still have not received resolution on XX/XX/2021. I am being blocked from getting the low rates. 
Mortgage companies have resources that home owners do not have. I am requesting you a decrease of the rate as it is suppose to help the home owner. The delay is causing that I can not take advantage of the great low mortgages. I need help!!! 
If you would require more information or clarification, my email address : XXXX, please do not hesitate in calling the XXXX ( XXXX ) XXXX XXXX. And if we miss your call please leave us a message. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've just spent the last 3 hours at a Bank of America branch at XXXX XXXX and XXXX in XXXX XXXX, Ca. The business transaction that I initially visited the branch to complete was not accomplished in a timely manner due to my Business accountnot being labeledproperly. I opened XXXX XXXX ) business accounts online in XX/XX/2020. I sent all required documents showing me as the business owner. Today, I went into the branch to process a wire transfer. Upon attempting to verify my information as the business owner, I was advised that the account was owned by my spouse and I was listed as an " employee ''. Once I pointed out the direct deposits received are paid to the order of myself and ( not ) my husband, she understood but did not attempt to offer a resolution thatwould resolve the mistake made by " the back office ''. I've spoken with business banking over the phone on numerous occasions and was never advised that I was not the owner of my accounts. 

Then, I was advised that I would not be able to proceed with my businesstransaction unless my spouse visited the branch in person. So, I stated the account should not have initially been in my spouse 's name, seeing as though he is " not '' on any of the corporation paperwork. I also had to advise them that I am a XXXX business owner and I did not feel comfortable with continuing to do business with your bank or entrusting any additional business to their banks. 

I own a residence near this location and was considering refinancing my home and cars with your bank. I no longer have faith that their banks will securely handle my securities. In my 25 years of customer service experience, never would I imagine going through this type of ordeal and exhausting ( 3 ) hours of my day attempting to fix the issue and wire funds. 

Your immediate attention to this matter is appreciated. 

Best Regards, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, ILS ( XXXX ) XXXX
Consumer complaint received 2021-11-27
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: TD BANK US HOLDING COMPANY (FL)

I applied for a Target credit card that was opened on XX/XX/2021. I added XXXX authorized users on to the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021. They placed my account in a restricted status requiring me to submit documentation to verify my identity, which I did. I faxed them the requested documents in the beginning of XXXX. They claimed the faxes came through blurry and continued to demand faxes. I offered to email the documents, and they said for my protection, they don't accept emails. I told them I could send an encrypted email, they declined. I told them to cancel my account, and they refused. This is an FTC violation of a barrier to cancellation. I told them if they think I'm breaking some laws to contact the FBI. This is a {$500.00} credit card. This is insanity. I have a XXXX minute conversation recorded legally, as I'm currently in the state of XXXX, and also I notified the representative that I was recording the call anyway. She stated that it's their policy that they can't cancel until I do something extra. 

This is resulting in the following : Their customer base appears to be larger than organic due to barrier to cancellation. 
My credit report is being impacted, and will continue to be impacted permenantly due to this barrier to cancellation. 

The representative refused to transfer me to their manager claiming to be the end of the line, and so I'm coming for your help.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XXXX XXXX a letter was sent to me from Capital One, stating that they needed to verify security information on my account and instructed me to call their fraud department. 
I called them when I received the letter and they advised that there had been fraudulent activity on my card and requested that I send them proof of my identity. I explained that I had just had XXXX and was incapacitated and it would take me a few days to arrange this. A few days later, I mailed them a clear copy of my license as instructed. I later received a letter informing me that they had closed my account. I called them to inquire why they closed it and they said they couldn't clearly read the picture of my license. I asked how I could collect the 400+ points that I had on my account and they said they could not obtain that information because the account was now closed and they couldn't 'see the history ''. I told them that I had the statement which validated my points but they would not accept this proof. I sat on the phone with them for four hours attempting to resolve this, eventually escalating this to the Manager of the Fraud Dept., to no avail. I was told there was nothing they could do and my points have been forfeited with no recourse. This remains unresolved.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting this complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX