davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XXXX, my main source of income went bankrupt due to COVID. I was able to pretty much stay afloat until late fall XXXX and early spring XXXX, when I ran into a bit of trouble. Id applied for a second PPP loan, which was delayed by at least four months. I expected it to arrive within a few weeks, like the first loan did. So I experienced a hiccup in income.

I contacted you CapitalOne and asked if there might be any payment arrangements that could be made due to COVID, and thankfully, CapitalOne very graciously worked with me. I got back on track.

I recently looked at my credit report and was shocked to see that my account was reported as late earlier this year for two months. These are the months when I believe Id communicated a payment arrangement. At no time did any representative indicate that adverse credit reports would accompany the COVID relief that Capital One provided. This feels very fraudulent. You can't offer someone help and not tell them that the account will be simultaneously reported to the credit bureaus. If I'd known this, I would not have accepted the offer of help, especially because I was being responsible! 

I wrote to CapitalOne directly to request the same action, but got back a form letter that just said, " the information is correct ''. 

I believe that Ive paid my account on time for XXXX percent of the 17 years that Ive been a Capital One customer. I even set up autopay to ensure that I always made my payments. If Ive ever had any other hiccups, its only because I changed my debit card and simply had to update the card on the autopay arrangement.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

THIS COMPANY IS REPORTING INACCURATELY IN MY REPORT AND ITS DAMAGING MY CREDIT FILE FOR 2 YRS NOW, I HAVE TRIED COMMUNICATING WITH THEM AND SEND THEM LETTERS TO ASK FOR PROPER VALIDATION TO THE DEBT THEY CLAIM I OWE FOR {$430.00}. THEY ARE ALSO REPORTING A 120 DAY LATE IN MY CREDIT REPORT AND A LAST PAYMENT ACTIVITY BUT I NEVER PAID THIS ACCOUNT. IM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME. THANK YOU.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had an initial auto loan with XXXX, upon financing with a more reputable bank, a payoff check was sent to XXXX from our new bank XXXX. XXXX received the check on or around XX/XX/2021. The tracking number proves it was received by XXXX. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to XXXX and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that XXXX had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2021 I found out my Wells Fargo Business Savings was debit {$1700.00} for a XXXX payment with a name XXXX XXXX. I check my Wells Fargo Business Checking account online regularly. Since I don't use the Business Savings Account I did not pay attention to its transaction activity as often as my Business Checking account. I do not recognize this large withdrawal and I don't know this personal either ; so I called Wells Fargo customer services service line right away. At first a Rep. told me it takes about 10 days for them to do the investigation. After 18 days I called again customer service rep. told me my dispute denied because I have to report the unauthorized transaction with 3 days and I need to contact XXXX credit card directly. I scheduled an in-person appointment at Wells Fargo XXXX XXXX office . The banker at that location told me I have to report the dispute within 24 hours after the transaction debited my account and she was not able to help me at all. I called the bank customer service line again finally I got a processing number for this payment. I called XXXX Credit Card but they told me my bank has to contact them for this kind of fraud issue. I had to ask for a supervisor in order for me to get some help. XXXX is the supervisor at XXXX Credit Card Dept. he didn't believe me when I said Wells Fargo could not help me at all. We did a three-way calling with Wells Fargo ; after the call he understood the frustration I had to go through and promised me he will try to help me. So far I still have not heard anything from anyone. I don't have a XXXX credit card.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I received a printed advertisement via US Postal Mail from Fifth Third bank advertising a {$250.00} checking bonus when opening a new XXXX Checking account and making direct deposits totaling {$1000.00} within 60 days of account opening. 

I opened a XXXX  Checking account online via XXXX on XX/XX/XXXX and made a direct deposit of {$1000.00} on XX/XX/XXXX, thus meeting the criteria for the {$250.00} checking bonus. 

I contacted Fifth Third customer service via phone on XXXX to inquire as to when I would receive the {$250.00} bonus, however the customer service representative that I spoke with said she was unfamiliar with this promotion and " did not see any promotions on ( my ) account ''. I read her the offer code printed on the mailer I received ( XXXX ) and she was then able to verify the promotion and advised that there was a glitch in their system, but that I would receive the {$250.00} bonus by XXXX. 

On XXXX, I had not received the {$250.00} bonus so I contacted Fifth Third customer service again, this time via online chat. The representative again told me that they did not see any promotions on my account. I explained that I had already spoken to customer service and determined that there was some sort of glitch in the system, however the customer service rep told me that since the promotion was not " showing on ( my ) account '' there was nothing they could do. 

On XX/XX/XXXX, I contacted Fifth Third customer service by phone again. This time, the customer service agent told me that I would need to visit a Fifth Third branch for additional support. I do all my banking online, opened the account online, and visiting a Fifth Third branch would be inconvenient and I do not wish to pursue that option.

I assert that I have met all conditions of the offer Fifth Third sent to me, however by not paying the advertised new account bonus, Fifth Third Bank has failed to honor the terms of the offer they sent to me via US Mail.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the Trustee of the XXXX XXXX XXXX for XXXX XXXX. XXXX XXXX the original XXXX passed away XX/XX/XXXX. At the time of her passing her loan was being serviced by Bank of America. You will notice that a complaint was filed by her relative to BOFA in the past. Since her passing I have been trying to get BOFA to recognize me as the successor trustee and after 18 mos I am still not able to accomplish this. The servicing of the loan was transferred to XXXX XXXX approximately 6 mos ago. XXXX is now threatening foreclosure. 
I have been in the process of refinancing the property for the past 60 days and the lender is trying to get a rescission notice for a Notice of Sale that was recorded in XXXX while the borrower was in the process of modifying her loan. When the modification was completed BOFA apparently did not file the Notice. I have attempted to get a copy of the Notice from BOFA and XXXX to no avail. Please see letters attached
Consumer complaint received 2021-10-22
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: DIRECMANAGEMENT, INC. (AL)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX. I have several accounts with Chase. I closed on my first home XX/XX/XXXX. I was required to maintain escrows with the servicer, Chase. At closing, the annual homeowners insurance was paid to XXXX XXXX ( a/k/a ASI ) for XXXX year for {$290.00}. It was my understanding that Chase would continue to pay taxes and insurance for me. I recently received an escrow analysis ( XX/XX/XXXX ). I was shocked to see that beginning in XXXX, my payment had increased by more than {$400.00} per month. Since Ive never had a mortgage before, I didnt understand why at first. In talking to my parents, I realized that my homeowners premium to XXXX was never paid and that a force place policy was purchased in XX/XX/XXXX for nearly 4 times the cost of my original policy, {$1100.00}. The escrow analysis also showed another payment for XX/XX/XXXX of {$1100.00}. As a result of the force place insurance, I had both an increase in expected escrow payments and also an escrow shortage. I called Chase on XX/XX/XXXX to see if they could correct the situation and get my XXXX policy paid and get the forced place insurance removed. They told me that they didnt have any contact information for progressive to pay them and that I would have to take care of it myself. I contacted XXXX and tried to get my policy reinstated but they were not able to do so. After checking other options, I established a new policy with XXXX, paid the premium and submitted the information to Chase and asked for a new escrow analysis. I then called Chase again on XX/XX/XXXX. They told me the analysis had been done but not released to me. I again asked the agent if they could help me to get the force placed insurance premium refunded and they said they couldnt help me. The new escrow analysis is still more than a {$200.00} increase. This is because of the shortage from the force placed insurance that was paid. As a new homeowner, I trusted Chase to take care of my homeowners insurance and cant believe they would take advantage of new homeowner like this and charge me almost 4 times more for it. I am sure they had the documents from closing to know who to pay, and as such a big company, I would think they could have contacted XXXX and gotten this resolved. I get a lot of junk mail and emails, so I didnt know to look for anything about the insurance being cancelled, I just assumed Chase was doing their job. I am requesting that Chase refund my escrow account for the difference of my original homeowners insurance policy for both XXXX and part of XXXX and reanalyze my account. This seems like more than a fair resolution for something Chase was supposed to take care of in the first place.
Consumer complaint received 2021-10-22
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: OneMain Finance Corporation (AL)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent XXXX, XXXX & TransUnion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, XXXX nor TransUnion. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

The bill is at an address I have rental property. I have never lived at that address. The mortgage is in my name. Per the collection agency, the email address is for XXXX. I have an XXXX XXXX XXXX  account, never had a XXXX XXXX account, for utilitites? I thought the calls were scams, I did not respond. I never received any letters to my residence where I have lived since 2000. Why is this on my credit? Not my bill.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I am writing this in hopes it finds the correct person. I went to the Kia of XXXX dealership in XX/XX/XXXX to discuss the transition of my existing lease. There, I met with a sales associate named XXXX. I didn't want to be late in turning in my XXXX XXXX lease especially as my delivery date was coming up. 

When discussing my new lease options, XXXX graciously offered to take back my current lease and waive any fees that would be associated with me terminating my lease a few months early. He made me feel confident that there would be no further financial liability for the XXXX XXXX that we had turned in. 

With this information, we agreed to take out two new leases instead of just one as we loved the service and dealership so much and were wanting to stay with XXXX vehicles as our past vehicle experience was great. 

XXXX spoke with his manager XXXX who approved the deal, and we left with our two new vehicles, very satisfied. 

For the next couple of months, we were heads down due to XXXX and the delivery and care for our new baby. Once we came up for air in XX/XX/XXXX, I noticed my credit score had dropped 100 points and my previous auto loan was still showing a balance of {$730.00} owing. Also, that the balance was now stating it was charged off with a default date of XXXX XXXX the month I turned in my vehicle. 

Short-staffed and in the middle of COVID, I understand that things were very hectic at the dealership during the time of my visit, and this may have been an oversight on their part, but I was made a promise that hasn't been fulfilled. 

I have tried to contact XXXX, the sales rep, XXXX, the sales manager, and the general manager Mr. XXXX of the dealership, and they failed to honor the deal we made and rectify the situation. I get it- their credit scores didn't plummet only mine, but no one seems to care. 

I can't seem to locate any written documentation showing our agreement which yes I should have ensured I received however I am asking that you please honor our verbal agreement and remove the balance owed and charged-off status account from my credit reports. It should just report it paid in full, as agreed with a final update date of XX/XX/XXXX. 

Again, I am a long-time brand ambassador for Kia and I am always telling my friends and family, even strangers, how much we love our vehicles and the dealership. I would estimate that 3-4 people of my friends, family and members of my church that I told about my car have actually gone and bought Kia 's . I beg you to please do the right thing and act on this right away. Please correct my credit report so I can get my credit scores back.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

I filed a complaint with Consumer Financial Protection Bureau on XX/XX/2021. I gave as much information as i could in the complaint and requested Chase Bank to call me to discuss the details. I couldn't enter over 8 hours of phone calls, almost 20 people, multiple people in " management, supervisor and Executive '' level but no help. So i filed the complaint. As promised the CFPB sent the complaint to JP Morgan Chase Executive dept and they did indeed respond by phone within 5 days. However i was in XXXX on vacation and asked XXXX at XXXX Ext XXXX to call me the following Monday, XX/XX/XXXX to discuss the details. I informed him that it was so messed up and so many problems that i didn't want to ruin my vacation discussing the disregard JP Morgan Chase has for it's customers. I asked that he look into the details and we would discuss them. XX/XX/XXXX came and went and no call. I called and left 3 voice mails over the next 2 days and confirmed he was in the office but he decided not to respond. So he did no uphold our agreement for a resolution. I then got an email from CFPB stating that my original complaint was closed since JP Morgan Chase responded. That response had NOTHING to do with my complaint. Just because they replay to an irrelevant point, that does not close the complaint, but to JPMC it did. So now i'm forced to start all over with yet another complaint in combination with the original that i did NOT receive an adequate response.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

NOTICE : Truist Bank, following its merger/acquisition of SunTrust Bank XXXX has suddenly and without notice to depositors and the general public shut down substantially all of the SunTrust Bank branches in XXXX, MD. Moreover, it has not provided signage on the buildings stating that they are closed. It has not taken action to post the closing on appropriate Internet sites, again misleading depositors and the general public. Truist Bank has undermined faith in the XXXX banking system with its unannounced actions. The bank should be fined at least {$100.00} XXXX for its irresponsible actions.