davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For the third time, I received an offer from Capital One for a Quicksilver credit card. The offers each came with a reservation # and an access code. With each offer, an enclosure outlining Capital One 's application terms was included. The application terms specified a 0 % introductory APR for the first 15 months, then the APR adjusts to 14.99 % based on creditworthiness ( based on the Prime Rate ). When commencing the application process online, I noticed after entering the reservation # and access code, the interest rate after the 15 month introductory period was listed as 15.24 %, not the advertised 14.99 %. Also other fees and rates were higher than those listed in the enclosure. When noticing the higher rates online, I immediately stopped the application process, closed my browser, and placed a phone call to Capital One. After being transferred to an account supervisor, she advised me the enclosure containing Capital One 's application terms was " probably a misprint '' as she couldn't get me the advertised rates and fees. I told her that it was highly unlikely that three separate mailings would contain offers that were misprints. This phone call took place yesterday, XX/XX/2022. While the expiration date for this offer is XX/XX/2022, the reservation # and access code is available upon request. Lastly, my credit score as of XX/XX/2022 is XXXX.
Consumer complaint received 2022-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (SC)

I have an account with Firstmark Services that was co-signed. I have had this same issue before, but I have scheduled a payment to be made, and they are calling my co-signer and telling them that my loan is very late and has not been paid. Not counting the holidays and weekends, my loan is only XXXX  days late, and I scheduled to have the payment deducted on XXXX, but the payment has been scheduled since XX/XX/XXXX. Firstmark called me at XXXX on XXXX XXXX and did not leave a message, I was in a meeting and unable to return the call, nor was a message left for me to reference. It was not even XXXX minutes later they were calling my co-signer. They told her my payment was extremely late, and never once mentioned that I had a pending payment. That is a total lie. I have had this issue with them previously, and of course they tried to defend their position. Their payment collecting practices are false, misleading, predatory, and threatening. They also tried to lie and say that they never called her, which is totally false. My co-signer would have no idea the status of the loan without their phone call. In this kind of climate where people are unable to work and having to stay home from work with their children because of the pandemic, Firstmark should not be allowed to harass and intimidate their borrowers. I do not want Firstmark to contact my co-signer at all anymore. My payments are all up-to-date. Something needs to be done about this company.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Opened a Walmart credit card through XXXX  XXXX. Advertised {$25.00} statement credit after first purchase. I used card on for three billing cycles and never received credit despite calling after each statement was received and credit wasn't applied. After calling last night the newest ploy is that Capital One now has the card and XXXX XXXX  claims they no longer have access. I want my {$25.00} that was offered and agreed upon when I opened and used the credit card. They also should be compensating me for having to make numerous frustrating calls wasting my time and energy trying to get what they have failed to provide. They have breached a contract and owe me {$25.00} Thank you XXXX XXXX
Consumer complaint received 2022-01-04
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (MN)

I would like to file a complaint against Intercontinental Capital Group for misleading refinance solicitations. I received the attached letter from the company. While a consumer wouldn't know it from the letter, all it is is a roundabout way to try to get me to refinance my home loan. 

There are no XXXX  enhancements that I could benefit from. No where in the letter is the word refinance mentioned and that is all they are offering.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I have sent many pages of documents over the past few months and before that i signed agreement Wells Fargo sent me to sign off for him to represent me, after i did that Wells Fargo refused to work with me. 
He kept on telling me every was moving along fine. I never got any proof of that. 
33 pages were sent that i sent to him by fax. Several other pages of bank statements, IRS utility bills to show what i make and what i pay out. 
I find it hard to believe he did not send them but if he sent them Wells Fargo should have been working on them with XXXX and or with me? 

I ask Wells Fargo to give me to after the XXXX of the year and i will send them whatever they are missing. I lvm with several support specialist as i could not reach them. 
I will send {$1000.00} immediately and in another 2-3 send them  {$900.00} more. 
If refinancing is an option maybe that would work???
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (ME)

XXXX Letter sent from the Maine Revenue Services indicating that I was past due on property taxes for XXXX. 
XX/XX/2021 ( approximately ) - I called Chase ( my service provider ) to discuss the situation. The issue was escalated and I was told it would be resolved within 14 days and I would receive notification of the result of the escalation XXXX I called the Maine Revenue Services to confirm that the property tax was paid. It was not. I also learned the tax payment was officially in default. 
XXXX I called Chase again to get a status on the situation. The agent confirmed that nothing had been done in the roughly 6 weeks since my last call. The agent escalated the case and indicated that again it would be 14 days and the issue would be resolved and I would receive notice of the outcome. 
XXXX I called the Maine Revenue Services to make payment for XXXX  plus 2 months of interest totaling {$1100.00} to mitigate any further interest due and damage to my credit. 
XXXX I called Chase to again see what the status of the situation is. Again, nothing has been done to resolve the issue. Again, this was escalated and will be yet another 14 days before I get any indication of what is going on.
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

XX/XX/2020 {$100.00} I went to XXXX XXXX XXXX. And they checked in there system and told me that there was never an open bill, everything was payed at time of service. 
Collection service of Athens send the collection note in the mail, there phone number also comes up as scam if you XXXX  it.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my credit report. I have come across information that I have discovered is not mine. 
This letter is a formal complaint that you are reporting incorrect credit information. I do not recognize these accounts and I do not know where they came from. Also, I do not have a contract with these companies. 
I am upset that you have included the below information in my credit profile. I prefer to immediately dispute and have investigated. I believe that I may be a victim of identity theft.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (WV)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit cards were closed and my credit worthiness has been jeoperdize because it seem to be compromise by other people. I am been denied a credit card despite I had a XXXX  score of greater than 800 about a year ago. Now i owe less than XXXX dollars of credit and i could not have a least one credit card because my XXXX  score is been compromise to be less than 500. See how this is possible? Also some credit history has been deleted out of my credit report. Like history of student loans I paid off.
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

On XX/XX/2022 my car was repossessed and I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( XXXX  ) without my permission and then the chargeback was denied the next day. The loan company, American Credit Acceptance, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both American Credit Acceptance and XXXX countless times and neither of them state that they have the funds.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to you about a major concern I have about how deposit holds are handled at Bank of America. I recently started a new job and I received my first checks on Tuesday, XX/XX/year>. I deposited them to my checking account using my mobile banking app and a hold was placed on all three checks. The reason I had three checks was because one was for my first XXXX hour work week, and the others were a sign-on bonus, so it totaled a large amount. I called the customer service line for BofA to see if there was anything they can be done to release the funds and they informed me that they were on hold until XXXX and that there was nothing they can do. I understand that there is a process for evaluating deposits, but customers should have a way to expedite the process ( I.e. submit proof that funds are coming from a reputable source such as an employment contract ). I have several bills that will be automatically withdrawn from my checking account and now without the funds available, I will overdraft and accumulate multiple overdraft fees. 

This is completely unacceptable customer service. Ive been a loyal BofA customer since I was XXXX XXXX XXXX and now XXXX XXXX XXXX. I am really struggling to understand why this is the current process for check deposit holds. 

I would like to voice my concerns with the board of directors and/or CEO. I dont want to close my BofA account, but this experience has me thinking about doing that if my concerns arent resolved or at least heard by higher ups. This has caused me much emotional and financial distress. If my funds are finally released on XX/XX/year>, that will be one week and two days of them holding my hard earned money that Ive been needing to live my life. This isnt fair and something must be done. I dont want anyone else to have to go through this.
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for TransUnion XXXX and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX late/XXXX XXXX late/XXXX OK /XXXX 60 late and XX/XX/XXXX late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

It has been almost 2 years since i have tried to open my account with Navy Federal Credit Union. It wasXX/XX/2017 when i went to NAVY with my dad to open an account.. they told me that the account was open but I couldnt access it and that i have to contact someone to be able to access it.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY (GA)

( original complaint - This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity. ) AMEX has sent the same response twice, and we've tried to call the AMEX attorneys today. We have eight weeks of records showing our attempts to discuss this with the AMEX attorney. They have YET to respond to our calls. We will file for a jury trial in XXXX County Georgia on XX/XX/XXXX unless we hear back from them. AMEX doesn't take this seriously because they/ve not replied with anything different after all of these complaints. All information contained within our complaints here will be used as evidence in our suit.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My ex-girlfriend added me as authorized user on her Bank of America credit card, when we broke up I returned the card to her and asked her to remove me as authorized user. Now I am trying to apply for a loan but I can't get the loan because she never removed me as authorized user and the account is in charge-off collection status. I have no clue about her or I don't know where to contact her to request again the removal. I called today Bank of America and I explained them I DON'T WANT TO BE AUTHORIZED USER OF THIS ACCOUN, however they said I can't request that and the primary user of the account should request it but how if I can't get a hold of her.
Consumer complaint received 2021-01-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NY)

In XX/XX/2020 I received an offer from my mortgage company ( Freedom Mortgage ) to refinance my existing mortgage with them to lower my interest rate and monthly payment. I agreed to do it, provided all information requested and everything went smoothly until it was time to close. I've been calling them since XXXX to find out why I haven't received a closing date and every time they tell me they're waiting on the title company. Spoke with title company on multiple occasions and every time I'm told that my loan had been cleared on their end since XX/XX/XXXX " I have emails to prove it ''. To this day each time I call Freedom Mortgage they tell me they're still waiting on the title company but when I forward the emails from the title company stating they had already cleared the loan since XX/XX/XXXX, I'm told " oh someone will contact you '' an no one ever does. What XXXX me off the most is the fact that I did not solicit this, they called me to offer it to me, and I have perfect credit and never missed a payment. This is why I'm submitting this complaint so that people know what they're getting into when dealing with Freedom Mortgage.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MS)

My husband passed away suddenly in XXXX of 2016. I had to bury him and so I got behind on my Mortgage, I tried to do modifications over 7 times. They kept responding with different answers. I finally had to file a chapter XXXX to stay in my house. I am not on the loan, but I am on the Deed, since I am the surviving spouse. I have 5 acres of land in the middle of my small town, and property is very hot at this time. My real estate lady told me I could sale overnight. I wanted to pay off some of my debt from his funeral and to catch up on my house note.I spoke with a supervisor named XXXX who understood that I did not have the funds to have property surveyed etc. He told me to write a letter to him explaining in detail what I wanted to do. I have faxed 10 pages with death certificate to them on two occasions 1st on on XXXX the XXXX and then again on XX/XX/XXXX from the XXXX store in my town. I paid {$10.00} each time. I them mailed a USPS letter envelope and paid {$7.00} for it. They are telling me they have never received anything from me at all. I need to resolve this issue, due to the fact they are not telling me the truth about anything. I have even asked for upper management, I also left a message for XXXX to call, no call has been made to me at all.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (LA)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022