davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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 (TX)

Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said they did not know why but it looked like my XXXX payment had not gone through. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I still have this account and had plenty of money in the account at the time. Capital one could not give me a reason why the payment did not go through. I called XXXX XXXX to see what happened on my banks end. They said it was capital ones fault.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP (IL)

Id like to report that Capital Management Services LP is being misrepresented by scammers. Over the last week, Ive received a call daily from a set of phone numbers from the XXXX area : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX While I have not picked up, the voicemail states that it is someone representing Capital Management Services LP and that I should call them back at XXXX. The voice of the person calling is the same each time, but the name changes. The last call I received was from a XXXX XXXX and the call before that, it sounded like the name was intentionally garbled by a machine. There is no further information provided in these voicemails - nothing related to debts or even what they are calling about. Looking up the phone numbers and reviewing the real XXXX  site, I believe these are scammers and would like to bring that to XXXX  attention. 

Every voicemail is scripted as follows : " Hi. This is *GARBLED NAME* calling from Capital Management Services LP . Please call me or one of our representatives at XXXX. ''
Consumer complaint received 2022-06-17
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. (NY)

On XX/XX/XXXX I filed a dispute with Transunion regarding the balance on one of my credit cards. They had reported the balance to be $ XXXX for multiple months, although the balance was only {$970.00}. On XX/XX/XXXX, the statement for my card came out, and my balance was {$970.00}, Transunion still had my balance at {$6500.00}. I disputed the AMOUNT of the balance, not ownership of the account, and the account was completely was removed from my credit report as a result of this dispute. I called Transunion, in order to rectify this. They said the creditor is the one who removed it. I then called the creditor, they said they did not, and can not legally remove anything from my credit report that I am responsible for. I called Transunion back, they said again, it was the creditor who removed it. So I called the creditor back, they said they had no knowledge of a dispute, and did NOT remove this account from my credit report, and again explained that they are legally responsible for reporting anything and everything on my credit report. Again, my dispute was over the balance not ownership. My Transunion credit score dropped 50+ points as a result of removal, my XXXX credit score increased by XXXX points as a result of this removal. I believe that Transunion did not contact the Creditor, as I previously said- they have no knowledge of this dispute, and nothing in their system saying that it should have been removed.
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

For over a week, I have been trying to remove the bank account associated with and close my PayPal account. When I try to do so ( via 'close account ' link ), however, the page goes blank and am referred to customer service. I've reported the issue to the company, but so far they haven't addressed.
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TradeStation Group, Inc. (NY)

TradeStation approved my account and I qualify for a cash bonus in the amount of {$500.00} for making a {$10000.00} to that approved account. Now, TradeStation refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating TradeStation is using this promotion to lure investors to their platform - and then refuse to honor the terms outlined. This evidence suggest that TradeStation is aiming to expand their client base under false pretenses.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/3020 Bluebird by Amex shut my card down because of section 22d if there services agreement. I cant get my money. How do I get them to return my funds? I have a XXXX dollar balance. My social security benefit is directly deposited into the card.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (OH)

I am writing to file a complaint regarding improper monthly service fees charged to my savings account by Wells Fargo. Below is a detailed account of the issue : I opened both a checking and savings account with Wells Fargo and have not made any changes to the balance or settings of my savings account since XXXX. 
Starting in XX/XX/XXXX, Wells Fargo began charging me a monthly service fee of {$5.00}. Prior to XX/XX/XXXX, my savings account maintained the same balance, but no service fee was charged. 
In XX/XX/XXXX, Wells Fargo refunded four months of service fees, stating there was a bank error. Despite this acknowledgment of the error, Wells Fargo continued charging me the XXXX XXXX  monthly service fee for each subsequent month in XXXX. 
I have not made any changes to my account settings or balance that would trigger these fees. Additionally, I did not receive any notification from Wells Fargo indicating that these fees would be charged.

I also noticed two refunds in XX/XX/XXXX totaling {$5.00} labeled as " refund of fees. '' This suggests continued mistakes on the banks part.

Despite acknowledging their error and issuing refunds, Wells Fargo has continued to charge me these improper fees without any explanation or notification. As a result, my account balance has been steadily decreasing due to their actions.
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

On XX/XX/XXXX the cadylic converter was stolen out of my XXXX  XXXX XXXX XXXX while it parked in the lot of my apartment. I waited patiently for the parts to come in while paying for a rental car out of my own pocket, I had no choice. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX my job requires a vehicle XXXX XXXX XXXX I have long ran out of patience, but now I no longer have any money to continue to pay for a rental to tide me over until my car is ready. Here is what I'm asking of you : Financial support with my XXXX XXXX XXXX. I'm desperately appealing to you to help find a solution so I can keep a roof over my head.
Consumer complaint received 2015-11-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

This complaint is in reference to case XXXX. Wells Fargo representative XXXX XXXX has been in contact with us via US Postal service asking for more time to address our concerns. He contacted us via U.S. Postal service twice. XXXX letter dated XXXX XXXX which we received on XXXX, and the second letter dated XXXX XXXX also received on XXXX. It asks for our patients while they research. We have no problem with an additional 60 days for answers to our concerns. Wells Fargo attorney, XXXX attorney XXXX XXXX has changed our foreclosure hearing to XXXX XXXX. 
We are requesting additional time to review Wells Fargo 's research. We require additional time from the requested time line Wells Fargo has requested to sign documents we do not understand.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX claims I owe.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX toXX/XX/XXXX. 

Late payments were not removed from the company or any of the credit bureaus.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My federal and nj state tax refund were fraudulently sent to USAA bank and theyve wont give me any details despite telling them that this was done fradulently. My federal state refund was sent to them on XX/XX/2020 for {$12000.00} and my state refund of {$2200.00} was sent to them on XX/XX/XXXX. I have no idea if this money was sent back to the respective parties or not or who the account at USAA even belongs to or whether someone tried to open the account in my name. Its ridiculous that they wont help me at all. That is over {$15000.00} of my money that was stolen. I am a XXXX  working the front lines during the covid outbreak and its already bad enough not having supplies and putting myself in danger everyday at work but now I cant even get my tax refund back! USAA is the worst and no one should ever bank with them!
Consumer complaint received 2020-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (DE)

In XXXX, I had purchased a car through wellsfargo. I had the car for a couple of a years. I always had my own insurance. I hit hardship and my insurance lapse, I didnt renew it right away but was going to at the end of the week when I got paid. Of course with my luck, not even a few days after it lapse, I get into an accident and total my car. Go figure! I stopped paying on my loan and it went into collections and onto my credit. This was XXXX. 
Fast forward to this year ; I was aware of the lawsuit and was informed I was one of the many consumers who paid for cpi insurance without knowing. So I thought, if I had cpi insurance why didnt my car get covered? 
I didnt know what they decided on my case, So I called the cpisettlement hotline. They explained that the caulcalution they came up with was {$200.00} and some odd dollars and that they credited it towards my remaining XXXX XXXX+ loan balance. I asked how they came up with that calculation as well as asking why didnt the cpi insurance cover the loan and the cpi settlement hotline couldn't answer me and neither did anyone at wellsfargo.  I was getting the run around and spoke to 7 different people. Finally, a gentlemen at wellsfargo did however tell me that theres nothing they can do anyways because my loan was so old and that they are closing the account. Instead of answering my questions he said that we are now closing the account since we are finally now speaking to you and for XXXX tax time the XXXX XXXX+ loan will be a earned income credit for you and I would have to pay the taxes on that. 
I do not feel that was the correct and proper way of handling my case. I feel as if my car should've been covered through the additional coverage I was unknowingly paying for through wellsfargo. But according to them, I was paying additional on something that covered them, and not myself. It's ridiculous and it doesnt make sense.
Consumer complaint received 2022-06-17
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. (MA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # : XXXX - XXXX Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

XXXX XXXX XXXX. Attempted to call as well as go online to their website to request a payoff amount for my mortgage. 
It is impossible to reach someone via phone ... I waited for over 45 minutes ... they have wait call times that are excessive, you get cut off and have to start all over again. 
I attempted to handle it via their website and have had no response from them other than they received my request and if I resubmit, it will only delay the process. I requested a payoff letter via email on XX/XX/2019. XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX, I leased a brand new XXXX XXXX XXXX through ALLY for my business as a XXXX XXXX. As the mortgage rates were at an all time high my business was doing very well but in return it caused me to have high mileage. Upon approaching a year, a had over XXXX miles on the car and I knew I had 2 more years remaining on the contract so I called to try to figure out how I could get out of the contract. I was told that I could sell the car and after a month that's what I did. Ally gave us the amount to settle thee lease and it was paid. I had already made {$6000.00} of on time lease payments. ALLY had me sell the vehicle for $ XXXX which is {$5000.00} above XXXX XXXX XXXX value of the vehicle. Vehicle SOLD. After almost 2 months I receive a call from Ally stating that I owed {$390.00} for choosing NOT to lease with them again. I was told at the selling of the vehicle that all fees were included in that payoff. They already charged me a ridiculous amount for an early termination fee and the Deposition fee was included in the sell price, so why am I being charged another Deposition fee when we were told it was included in the payoff amount along with the early termination fee. The guy XXXX told me that we were being charged another {$390.00} we decided not to lease with them again. To me that sounds like another Deposition fee?!!? I keep asking ALLY for a detail breakdown and ALLY told me that they would not submit that to me until I paid the {$390.00}. How is that right for ALLY to charge me yet again for an amount that was SUPPOSELY included in the payoff? The early termination was added so why am I now getting this amount after being told that ALL FEES were added in the payoff in which they told the dealership on speaker phone. Now what they are going to say is that they didn't include it but they did because we asked for the full balance including fees and that's what was paid. I shouldn't get a notice stating a still owe almost 2 months later because they can keep doing it.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.