davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The Consumer Reporting Agency TransUnion is who I am accusing of fraud. TransUnion is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave TransUnion written permission to furnish anything on my consumer report.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (IL)

Hello my name is XXXX XXXX & I am reaching out about a XXXX point credit score decrease from Experian I received on XX/XX/XXXX. I have reached out to them to request an explanation of the decrease due to there being no change in my credit report to warrant the decrease of any points but especially that amount. I have not received any assistance except being advised to review my credit report which I have done & there has been no changes. The last change to my credit report prior to the decrease in XXXX was a score increase on XX/XX/XXXX.
Consumer complaint received 2022-07-11
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)

On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent. 
I did not give permission for any of these companies to furnish my information.
Consumer complaint received 2022-01-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a fraudulent account on my report, both XXXX and XXXX. I have filed a police report and was sent to Bank of America, XXXX and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : 1- police report 2- FTC report 3- dispute the account with creditor 4- dispute the account with credit bureaus 5- submitted supporting documents 6- submitted identifications documents Bank of America is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted Bank of America and reported this fraudulent account . I also went to the bank in person as I was instructed and followed all Bank of America procedures to remove the account with no luck. 

Account number XXXX ....
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I'm supposed to have auto pay setup on all of my credit cards. 

This is the fourth time within a year and a half that Capital One has charged me a $ XXXX late fee. 

The last time this happened, I spent several hours on the phone to ensure that auto pay was active and that this would not happen again. 

The representative at the time assured me that I was enrolled and it wouldn't happen again, yet here we are.
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There are some credit inquiries that have been on my credit report for a while that is a result of a scammer using my personal information in an attempt to obtain credit on multiple occasions on XX/XX/XXXX XXXX, and XX/XX/XXXX. I have contacted all Credit Bureaus and Filed an Identity theft affidavit when I first noticed the identity theft. I have called Transunion multiple times speaking to different representatives receiving different answers on how to have them removed. The FCRA states if an item is a result of identity theft the CRA 's must remove them. The following inquiries are XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Gitsit Solutions, LLC. (NJ)

XXXX XXXX auctioned my property off on XX/XX/2021 when I was current and had no issues with my mortgage and payments. They never warned me or notified of any pending sales. 
XXXX refused to admit they made serious mistakes in their accounting and probably dismissed all documents I sent them without taking a look. 
On XX/XX/XXXX The Superior Court of New Jersey, XXXX County ordered them void the sale and return all property documents to my name. They still have not complied with the court order. 
Now, Kondaur Capital, LLC, Is now threatening to foreclosure on the house even though XXXX have not complied with the Court Order and may have no standing to foreclose on the property. Kondaur is the second mortgage company/servicer to contact me. The first company was XXXX. 
I need help with dealing with these myriads of financial and mortgage company who are playing with people 's lives and destroying families. 
I did what I was supposed to do. 
Thank you XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc. (FL)

XX/XX/XXXX - requested funds iao {$500.00} to be withdrawn and transferred to personal bank account. 
XX/XX/XXXX - contacted MoneyLion.com support via email inquiring about transfer request, as expected 7-10 business days passed, no funds or notice of delay. Was advised transaction was cancelled and ticket was being closed. Inquired as to why due to no resolution.

XX/XX/XXXX - requested funds iao {$1000.00} to be withdrawn and transferred to personal bank account.

XX/XX/XXXX - Spoke with XXXX on the phone at XXXX XXXX, EST, who advised my transaction was again cancelled. When advised I wanted the funds in the account sent to a different account and close my account, XXXX advised permission was needed to liquidate due to the amount in my account, as it exceeded the maximum transfer amount of {$1300.00}.
Consumer complaint received 2020-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a credit report from XXXX  XXXX XXXX XXXX XXXX, an XXXX XXXX company, today. 
This report is a compilation of XXXX, XXXX, and XXXX credit summaries. 
On two reports ( XXXX  & XXXX  ) my ratings dropped 113 points and 140 points respectfully. The XXXX  rating increased from an XXXX points to XXXX points! 
After speaking with a representative from XXXX XXXX XXXX, I was informed that the significant decrease in two reports was a result of a Capital One reporting a negative credit report. 
I am filing an appeal to the credit reporting agencies to correct this egregious error in my credit reports. 
I cancelled my Capital One card many months ago but they compounded a very small amount I owed into over a {$100.00} debt. I paid them that usurious amount in order to be rid of Capital One. 
Some federal watchdog unit should keep an eye on them in order to prevent the public from such fees. Thank you.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 and 60 days late. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (NY)

I have refinanced our mortgage for a property I own in XXXX RI in XXXX of XXXX. 

The mortgage was refinanced through a company called Guaranteed Rate ( XXXX ). 

Our lender prior to that has been XXXX XXXX. Once the refinance went through the mortgage was immediately sold to XXXX. 

It took XXXX two ( 2 ) months to set up our account during which time we made two payments to Guaranteed Rate using temporary payment coupons. I can provide copies of processed checks for those payments. 

I can also provide a screenshot of our statements from the previous lender, XXXX, showing that those statements end in XX/XX/XXXX as well as a screenshot of our statements from the current lender, XXXX, showing that those start with the XXXX statement ( due date XX/XX/XXXX ) to demonstrate the gap during which payments were made to Guaranteed Rate. 

The issue is XXXX says they have no records of those two payments being remitted to them. They sent us a 1098 with 10 months worth of payments and interest because thats what theyre saying we paid.

The Guaranteed Rate representatives I spoke with said it looked like the money got stuck in your system somehow which is why we have not received a 1098 from Guaranteed Rate for those payments.

After a couple of months of back and forth received a 1098 from Guaranteed Rate showing the interest from the two missing payments and now a representative I spoke with says it does in fact look like the money was never remitted. 

Problem is I started getting a run around from every representative I spoke with after that. After over 2 month of emails and questions going unanswered they unilaterally closed my ticket with no resolution or refund and the only option they're now offering me is to start a new ticket and the process of looking into it again. 

To summarize XXXX is still saying they never received those payments and now we have the 1098 from Guaranteed rate for them which means that they did and the money is stuck in their system.

This means that Guaranteed Rate is holding two payments in the amount of {$2100.00} each for a total of {$4200.00} I would like to get those payments refunded so I can apply them to our mortgage directly with our new lender but I am getting no feedback or responses from anyone
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 I deposited a check from You, Office of the Illinois Attorney General. 
I noticed that when I made the deposit that Bank of America made No funds available to me that day which I needed a portion of. I called BOA and spoke to an agent who informed me he could not help me and the funds would not be available until Today, XX/XX/2020. I called back again and BOA would offer me not further assistance. Here it is XX/XX/2020 and I have already paid my health insurance for {$600.00} because BOA said the funds would be available today and they are not. I called BOA immediately only to find out that they said they could not trust that you, the Illinois Attorney General, would have the funds in the account. I said the agent Tuesday told me that these funds would be available today. I said now my check will bounce and I will get hit with a {$35.00} fee for that and other transactions. I was told there was nothing they could do. I asked to speak to a BOA Supervisor who said that the first agent should not have told me the funds would be available. The Supervisor said there was nothing they could do for me because their processing dept. pushed the date out of the XXXX now because they did Not feel the Illinois Attorney General would have the funds in the account. I never heard anything so ludicrous. The Illinois Attorney General would not give me a check that was no good. I am a senior citizen and I am in tears again because of BOA. I need these funds in my account today as originally promised. I am sickened by the way BOA treats seniors and their lack of empathy for my situation here. I want the people of Illinois to be aware of what they did and how I was treated by this bank. I have been lied to, treated unfairly and BOA does Not assist in giving me any help whatsoever.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

( Jefferson Capital Systems LLC ) At ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) Has Been Sending Me Collection Notices In The Amount Of ( {$720.00} ). The Collection Has Been Reported As A Pasted Due Balance. I Do Not Know This Company. I Have Never Done Any Business With This Company. This Company Does Not Have A Contract With My Signature.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (CA)

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 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-03
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: JPMORGAN CHASE & CO. (IL)

This is a continuation of complaint XXXX. JP Morgan Chase has yet to resolve the issue. Their response to the initial complaint was false. I am being charged interest on a purchase enrolled in the 18 month zero percent interest ( Equal Pay Promo ) program. In XXXX XXXX I made a purchase from Amazon for {$900.00} and enrolled that purchase in the Equal Pay Promo requiring {$50.00} monthly payments. The XX/XX/XXXX billing statement XXXX XX/XX/XXXX due date ) reflected the program with Interest Savings Balance ( {$50.00} plus new purchases not enrolled in the program XXXX to avoid interest. The XX/XX/XXXX billing statement XXXX XX/XX/XXXX due date ) no longer showed the Equal Pay Promo and had a balance of {$2500.00} ( new purchases of {$2100.00} plus the remaining full balance of the Equal Pay Promo purchase. JP Morgan written and verbal response ( XXXX XXXX ext XXXX ) stated the XXXX purchase was still eligible and enrolled in the program. On XX/XX/XXXX XXXX promised to look into why the statement was not reflecting the terms of the program. I made the XX/XX/XXXX payment of the full new purchase balance plus {$50.00} for the Equal Pay Promo, and a little extra. I received the XXXX billing statement XXXX XX/XX/XXXX due date ) showing an interest charge. I contacted XXXX who waived the charge and said she was working with the credit card team for a resolution. The XXXX billing statement shows new purchased enrolled in the Equal Pay Promo, but has not reinstated the XXXX purchase in the program. I have spoken to XXXX numerous of times and she seems to be dependent of the credit card team business manager for a resolution. I will be making the XX/XX/XXXX payment ( full payment of new purchases not enrolled in the Equal Pay Promo, plus the {$50.00} for the XXXX purchase, and the {$35.00} for the XXXX purchases enrolled in the Equal Pay Promo ). Based on the previous month experience, I will likely incur interest charge because JP Morgan is not honoring the terms of the Equal Pay Promo for the XX/XX/XXXX purchase.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (TX)

On XX/XX/year>, I opened a checking account with U.S. Bank and successfully funded it. Subsequently, I registered for online banking, which initially functioned correctly. However, I soon encountered issues : I was unable to log in to my account or reset my password. 

Actions Taken : Contacted Customer Service : I reached out to U.S. Bank 's customer service multiple times to address the login issue. 
Co-Browsing Sessions : During these interactions, representatives conducted co-browsing sessions to diagnose and resolve the problem. 
Outcome : Despite these efforts, the issue persists, and I remain unable to access my online banking account. No effective solution has been provided.
Consumer complaint received 2021-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (TN)

CFPB : This is a continuation of complaint # XXXX for Firstmark. Once again we are receiving phone calls and e-mails stating we are behind. The Firstmark website clearly shows we are up-to-date. Next payment due XX/XX/2021. Once I reached out to you CFPB, the calls stopped along with e-mails. Firstmark has sent nothing, done no follow-up, no copies of the statements have been sent as requested. I did get a generic e-mail stating how sorry they were for the frustration caused. There was also the corresponds letter sent to CFPB on my behalf my behalf, nothing in that letter has been addressed. I was assured the account was being looked and all mis-information would be corrected. There are still statements on my account with a New Jersey address, we never lived in NJ. Firstmark stated the Infor was transferred by XXXX XXXX. Never once in 6 years did we ever have a problem with XXXX XXXX, Firstmark is taking no responsibility or accountability for errors. Sorry to reach out to you again, not sure how to get someone from Firstmark to look into this. I am aware the calls are in a que and may be a bit behind. Again my credit rating is being effected along with fees being added to accounts paid on time. This journey just keeps getting worse. Thank you for anything you can do.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I am very suspicious that Wells Fargo inside source opened an a " Everyday Checking Account '' on my account page. I find it odd that a " Minimum opening deposit Open with {$25.00} deposit '' is required, but the fraudulent account does NOT SHOW a {$25.00} balance EVERYDAY CHECKING : which they require to open the account. 

Activity Summary Current posted balanceOpens Dialog {$0.00} Pending withdrawals/debits {$0.00} Pending deposits/credits {$0.00} Available balance {$0.00} I HAVE filed a complaint with Wells Fargo on or about XX/XX/21 but have not heard anything yet. I am suspicious as they seem to have done this in the past to other account holders. The account is being looked into as " identity theft ''. Have to laugh tht about 3 days after I complained to Wells Fargo they sent me a congratulatory note and notification that a debit card is on the way!!
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

My mortgage closed in late XXXX. 
After it closed I changed my insurance policy to a lower cost one. 
I have been trying to get XXXX XXXX XXXX servicing to adjust my required escrow account without any success. 
On XX/XX/XXXX I finally was able to talk with someone who told me that my account had been reviewed, my payment was finally reduced and they were mailing a check for more than {$800.00}, the overage accumulated between XXXX and XXXX Never received the check. Was told that they would deposit the amount to my account immediately on XXXX. Nothing happened. I talked with customer service Friday morning, XXXX and was told a supervisor would call me within 48 hrs.As of today, XXXX, I've still not heard from the and still haven't received my deposit. 
I paid my Prin and interest for XXXX ( which thet failed to apply ) and told them I needed the money do me to continue to make payments. The only payment I can make my old mtg payment which is more than {$100.00} to high. 
Thank you, XXXX XXXX
Consumer complaint received 2022-01-14
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$16.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$8600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00}, XXXX ( Original Creditor XXXX 01 XXXX XXXX ) XXXX XX/XX/XXXX {$310.00}, XXXX XXXX  ( Original Creditor : 12 XXXX  XXXX NA ) XXXX XX/XX/XXXX {$410.00}. Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX.