davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

We were on a month to month lease with XXXX XXXX XXXX XXXX ( XXXX ) & it became too expensive. They took us to court & we moved XX/XX/XXXX. The judgement for the balance owed to them is {$4900.00}. XXXX sent the account to Hunter-Warfield Collection Agency & added thousands of dollars in erroneous charges & fees. We agree that we owe the judgement amount of {$4900.00} but NOT the {$11000.00} that is currently reporting on our credit reports. I'm attaching a copy of the judgement amount which was also reconfirmed, in court, in XX/XX/XXXX. We tried to make a payment arrangement with the attorney but they said we had to deal with the collection agency who would only make an arrangement on the amount they're reporting, which is wrong.
Consumer complaint received 2019-03-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX it's my complain that I did submitted and trying to get help. 
Not sure if provide enough information, but humiliated and hurted, as well as my family members, parents, kids ( 3 ) .All I asked from BOA is modify loan to lower payment in 2010 when got divorce.I had great credit and good stable income. I feel that was drugged into scam and BOA made everything possible to fail modification and delay, so I had to fight against bank by providing all nessary information and documents on time, but they kept on loosing them, misplacing, and changed file managers, and blame on different workers.So they got me behind and first response was- not able to modify loan due to increased amount due.I kept on trying to get justice and kept home for 9 years, but in XXXX nothing I could do, Loan was transferred to XXXXXX/XX/XXXX( they demanded totall payment on mortgage in one payment.They foreclosed and sold our home.That 's not fair, I understand that all banks have great attorneys, and they can find any reason to stop me from getting my house back.If BOA didn't fraud modification process, I would kept my house for my kids and my parents. I wish nobody will be treated like us, but sure it's a lots of victims of mortgage modification fraud and fraudelent foreclosure.Damaged credit, high Dept instead of lower mortgage payment!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AL)

On XX/XX/XXXX - I sent a dispute to Lexis Nexis advising of incorrect Bankruptcy information. According to my research they are under the FCRA rules ; thus, they have violated the 30 day response. I contacted Lexis Nexis via phone around the first week of XX/XX/XXXX to inquiry about the dispute and I was told the dispute was still under review. I advised the CSR that the time for response is past -due ; thus, the incorrect information has to be deleted. As of today XX/XX/2018 : I still have not received a response and they are in violation of the FCRA.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VA)

I, XXXX XXXX ( date of birth XXXX, social security number XXXX, address : XXXX XXXX XXXX XXXX XXXX va XXXX ), complained to different government agencies each with its jurisdiction such as but not limited to The CFPB and about Wells Fargo Bank N.A many violations of consumers rights asserted under at least the Consumer Financial Protection Act Of 2010. I am protected under each of those laws or legal act every time I made those reports which is absolutely my duty as an American patriot .I am Reporting Wells Fargo Bank N.A continues retaliation against me and my mother with XXXX who is my dependent and I would like to see actions from authorities to stop that retaliation and bring us justice. Wells Fargo Bank N.A lied to government concerning its violations against consumers rights, about its comittements to To our nation, about its obligations to consumers, about the way it conducts business, about its cover ups of wrong doings every time it receives a report about violations of its staff, its agents and/or its employees and about my situation ( adding my mother with XXXX ) Of daily struggling from Wells Fargo bank N.A almost daily basis retaliation. This bank is terrorizing, pushing with every power it got to throw me and my mother with XXXX to the street. No, I will not let that happened. The authorities with jurisdiction, the CFPB and agency with jurisdiction must react to this situation and do its duty in the next 48 hours, I would be forced to contact the media, use social network to speak up under the Freedom Of Speech And I am a protected whistleblower whose rights broken for hundreds of days very lengthy horrific time. Its your turn to sanction and get our rights back. We will not be thrown in the street for being American exposing Wells Fargo bank N.A fraud, illegal activities, cheating, breaching customers trust and more ... all stated herein is to my current states belief, knowledge and understanding and it is subject to anything or any correction by me, XXXX XXXX, at any time without prior notice and without waiving my rights under any circumstances.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Comerica (MI)

On XX/XX/2019 I received notification from Comerica Bank that my Comerica HealthReserve HSA account would be moved to XXXX XXXX   unless I sent a transfer request Comerica c/o HSA Transition XXXX XXXX XXXX XXXX XXXX, FL XXXX before XX/XX/XXXX, XXXX.The request was mailed from my new HSA Trustee/Custodian XXXX XXXX XXXX XXXX on XX/XX/2019. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX called me to indicate the request was returned from the US Postal Service as un-deliverable. On XX/XX/2019 I called Comerica c/o HSA Transition contact number XXXX. Upon calling the number it gave a new number for XXXX XXXX. I called XXXX XXXX and was told I must sign their forms and pay their fees. 

I would request that my HSA funds be submitted to XXXX XXXX XXXX XXXX as soon as possible without any additional fees.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by Equifax and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/2019 I went into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I had several XXXX savings bonds to cash out on. The bank did not seem very experienced with these bonds, and they had two different people working on them. It has been over a month, and they just took out XXXX from my account due to a processing error. I'm not sure what happened, but they failed to account for my {$1000.00} bond. In place of the image for that bond on their system, is a {$200.00} bond. I fear that the person that handled the XXXX bond did not process it correctly or image it. I received these for my daughter when my husband died, and I do know that I had one for {$1000.00} because I had just checked the value of all of my bonds before walking into the store. My daughter and I each had one {$1000.00} bond. We could not process hers that day, but we did process mine and I no longer have it in my possession. I believe something happened due to the number of people that were assisting. One processed them correctly, and the other one did not. 

I have two different receipts for this transaction and both show the following : 4 - {$100.00} bonds cashed out at XXXX each 1 - {$200.00} bond cashed out at XXXX 1 - XXXX bond cashed out XXXX Wells Fargo accidentally imaged a {$200.00} bond in the transaction for the {$1000.00} bond and making a claim that I never had the {$1000.00} bond. It is not true. One of the two people there processing these did their part incorrectly. I am not the kind of person that would allow a big mistake like this. I certainly would have known if they over valued a bond. I walked in there knowing exactly how much I would receive because I had just looked them up online.
Consumer complaint received 2019-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

In XX/XX/XXXX, I was advised by XXXX XXXX that I had completed 58/120 loan payments for the Public Service Loan Forgiveness ( PSLF ) program. This was upsetting because my calculations indicated that I had completed 85/120 loan payments. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( # XXXX ) and requested a PSLF Review Payment Tracker ( " Payment Tracker '' ). I was advised it would take a minimum of 90 days. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it is now taking six months. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised that they submitted my original review ( XX/XX/XXXX ) to an email folder and requested that it be expedited. Furthermore, XXXX advised me that it appeared that the processor forgot about my original request. During this call, I also requested that XXXX XXXX REMOVE the improperly credited service with the Department of Forestry they had RANDOMLY credited me with. I was advised that request was granted and completed immediately. 

On XX/XX/XXXX, I called FedLoan Servicing and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it would be completed in 15 days. I asked to speak with a supervisor. 
I spoke with XXXX ( XXXX ). She advised me that my Payment Tracker request was not processed last year and now they are using a new system as of XX/XX/XXXX. Therefore, the review take six months. 

On XX/XX/XXXX, TWO YEARS after my original phone call, I spoke with XXXX ( XXXX ) and his supervisor XXXX ( XXXX ). I was advised they had not completed the payment tracker review, and they really had no timeline as to when it would be completed. XXXX advised me it would " get done when it gets done. '' Such utter and gross incompetence in the federal government is infuriating.
Consumer complaint received 2019-03-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (KY)

I had a vehicle in my name that ended up being charged off with Santander. Santander sold my account to a collection agency XXXX. XXXX  contacted me to see if I would be willing to settle the account for {$2000.00}. I agreed and was advised that after the final payment was made that I would receive the title and that I would be able to have the charge off removed from my credit report. I paid the agreed amount and was sent the title, however, when I contacted XXXX  about when my credit report would be updated they advised me to contact Santander since Santander was the original account holder. I contacted Santander via phone and they told me submit a dispute to have it updated. A dispute was sent on XX/XX/2019 and no response has been received. As of right now my credit report still has the payment status listed as in collections/charge off
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, XXXX, AND XXXX  XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY GCVCP IS IN ARREARS REIMBURSING ME {$15000.00} FOR APPROVED CARE, TREATMENT, AND INCURRED EXPENSES RESULTING FROM DIRECTLY FROM XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$15000.00} and have FAILED TO DIRECTLY COMPENSATE ME. 

Their RECKLESS AND EGREGIOUS attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts with Wells Fargo ( REMEDIED ON XX/XX/XXXX, MONDAY ). 

DESIRED RESOLUTION ( 1 ) LEVY THE ACCOUNT OF GEORGIA CRIME VICTIM COMPENSATION PROGRAM, GCVCP, FOR {$15000.00}, AND DEPOSIT CASH INTO MY CHECKING ACCOUNT WITH WELLS FARGO. THE GCVCP ACCOUNT INFORMATION IS ON THE MULTIPLE OTHER CHECKS THEY HAVE WRITTEN TO ME. 



Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

I cancel my credit card account with Macy 's in XX/XX/2019 with credit card limit of {$4700.00}. After I cancel my account with Macy 's they lower my account limit so I would be over my account limit and charge me outrages interest on my account. i never was late on the account.
Consumer complaint received 2019-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I started working with XXXX XXXX back in XX/XX/2018 I was told that if I made 7 payments of {$170.00} every 2 weeks then my loans would be completely discharged/wiped off my credit reports. That was a lie. 7 payments would have been a total of {$1200.00} but I actually paid {$2200.00} for a total of 13 payments. Nothing was taken off my credit reports. It states that I started working with them in XX/XX/2018. I called about everything and I was told " no that not true '' and " we have no records that payments were made '' I had to change my bank account information because they kept drafting my account. Everytime since I changed my bank account information they wont answer my calls or return my calls. And to this day it's still on my credit and they keep raising the interest rate on the loans. If something doesnt happen, I will switch companies. And please call me
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

I am writing regarding my account with your company, Account Number : XXXX which has been marked as XXXX XXXX I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. The date of the last payment made on the account. The date the account was officially charged off. This information will assist me in maintaining accurate records and understanding the timeline associated with this account. Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since XXXXXXXX XXXX Ive requested Proof of validation of all charged off / collection accounts listed on my credit report. 
Ive sent disputes and submitted challenges with the creditors and collection companies for the last 3-4 months to get a full scope of how things are being reporting on my report. 

Although Ive seen some success All the CRAs have responded to my validation request and confirmed all information was accurate and valid. When I asked for HOW my request was investigated I was met with zero response. 

According to Metro 2 compliance and FCRA, 15 U.S. Code 1681s2 - it requires that all data reported to CRA is accurate and complete. This includes information such as account balances, high limits, payment history, account status, last dates of activity and other identifying information. 

CRAs must remove inaccurate, incomplete, or unverifiable information within 30 days of notice. It has been 90+ days since Ive sent my first dispute letters and there is still inaccurate items being reported. Also once I notified them the information theyre reporting was incorrect they still reported it the following month, which is a violation of the FCRA 15 U.S. Code 1681s2 B Ive attached highlighted proof of the inaccuracies across the three CRA bureaus. That should be reporting the SAME accurate information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am writing to formally lodge a complaint regarding the handling of my recent travel reservations through Capital One XXXX. As a loyal customer with multiple accounts and substantial assets under Capital Ones management, I was dismayed to discover that my flight from XXXX  XXXX XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ( XXXX ) was canceled due to what Capital One referred to as lack of inventory of seats. This is the reason I received for the cancellation from your agent when I called. 

It is important to note that this inventory issue falls squarely on Capital One, and the notification of cancellation was sent to my junk email folder. Consequently, I was unaware of the cancellation until I attempted to check in for my flight. This lack of communication reflects poorly on your customer service standards and protocols. 

As a result of this cancellation, I was forced to rebook my flights at a significantly higher cost, totaling over {$1800.00}, compared to the original fare of around {$710.00}. Interestingly, despite the supposed lack of inventory that led to your cancellation of my travel- I was able to rebook on the same exact outbound Alaska flight from IAD to XXXX - just at a much higher expense. 

When I sought assistance from your customer service team, I was offered a mere {$50.00} travel credit, which I find wholly inadequate given the circumstances. This resolution does not align with the level of service I expect from a company of Capital One 's caliber and fails to address the financial impact of your error.
Consumer complaint received 2024-10-24
Product: Credit 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 (CO)

On XX/XX/XXXX I received an offer from Capital one shopping in their app that stated if I purchased a Camp Chef woodwind pro XXXX grill from XXXX XXXX XXXX through their provided link I would get 30 % cash back. Nervous the offer was too good, I used my wifes app and got the exact same offer and bought it through her link. I took a screenshot of how it broke it down on what I would get back, it said {$350.00}. So I decided to use this offer because the grill is very expensive. Within 1 day capital one tells me this purchase is ineligible. Nowhere in their app did it have ANY TERMS AND CONDITIONS! I have the screenshots, theres nothing for this specific offer. They have generic conditions under their settings but its not specific to every purchase. So I tried to cancel, XXXX refused to cancel the order. I contacted capital one, they told me that they cant do anything until 30 days have passed. Inexcusable. I have a grill I bought under the assumption I was getting a $ XXXX reward on. If I dont return this immediately to the shipper XXXX have freight charges incurred on returning a XXXX pound item. I followed every rule by using their app, buying in the app, not opening any other browsers etc. I have screenshots of everything and it doesnt say the item is ineligible, only gift cards. There is no listed exclusions about using any discounts, coupon codes or cash back limits. 

To make it more infuriating they sent me an email from capital one shopping on Monday morning telling me theyll give me 30 % back on this specific item from XXXX, but it has a {$250.00} cash back maximum. This doesnt exist to any offers that pop up in the app, it just says the amount. 

This is such a scam, they offered it to me and I bought it and now theyre trying to scam me out of $ XXXX.
Consumer complaint received 2024-10-31
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/year> I disputed a charge that i was billed in the wrong amount. Over billing of {$2000.00} ( XXXX XXXX XXXX. I contacted Capital One ( Savor Acct ) spoke to a Supv., named XXXX XXXX He refused to assist. Capital does NOT assist its card holders. I called the Company they to refused to assist. 

CAPITAL ONE issued a temporary Credit, but now stated they will reverse. In a day, they never gave the company a chance to RESPOND. One day. CAPITAL ONE IS TERRIBLE.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.