davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This issue has been languishing since mid XXXX when Capital One froze our teenager 's checking account. Capital one decided they had 'to investigate ' this account which has less than {$500.00} in it. Finally, after two and a half months, Capital One decided to close the account. No communication. No indication of what happened to those funds. Outrageous that our 10 other accounts were impacted ( since resolved ) but it's theft to close an account and keep the money. We need Capital One to send our kid his money immediately. Otherwise, I will open a fraud detection alert on this account and file a case with the FBI. 

We've never gotten a sincere apology from Capital One for all the trouble they've cause, just some gratuitous form letter. At this point, we just need Capital One to return our kid 's money and we'll finish migrating our accounts to a reputable financial institution.
Consumer complaint received 2021-01-26
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)

I tried today XX/XX/2021 to submit a dispute again over the internet with XXXX  in regards to 2 credit inquires that are to be removed off my XXXX  credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXXXXXX  that was also done 2 years ago. These 2 inquires should be removed.
Consumer complaint received 2022-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX please Help!!!!
Consumer complaint received 2022-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Automotive Management Services, Inc. (NC)

I contacted Automotive Management in XX/XX/2022 in regards to sales contract and repossession information pertaining to a balance of {$7000.00} remaining on my credit report, however I was unsuccessful. Under the laws of the State of North Carolina and State RISA and MVISA statutes, a deficiency can not be claimed {$7000.00} unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Consumer never received any documents and the remaining balance being reported is now questioned due to the laws required not followed. Also From information gathered 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( PLEASE READ ) there should have been no exchange of cash on the credit transaction therefore I am demanding a refund of the down payment amount {$1500.00}.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to work with my lender but all they do is give me the run around. I have provided everything that they need and they still continue to ask for more documents that is not required. 

Their intake team or underwriters have had my loan under review for over 4 months asking for more and more documents. Each time letting documents expire and then asking for more.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I worked in the US over the summer and had a bank account with Chase Bank. On leaving the US I attended Chase on the XXXX XX/XX/2022 to arrange a wire transfer for the money to go into my XXXX account. The wire tracking number is XXXX. This transaction failed to take place and my XXXX bank had confirmed that they had not received the payment nor had the payment been sent back. I have been phoning Chase every other day for the past 4 weeks only to be told different things and not being helpful and able to tell me anything to resolve the matter. This has been no fault of mine and they continue to withhold my money for no reason. The last several calls I was told that I needed to speak to the wire transfer team, and they would contact me but this was 10 days ago and have not received a phone call or email, they have both of these on their record. I am at a loss as to how to get my money safely and swiftly into my bank account as it is money that I need to fund my final year at University which I have now started needing money for courses ect as you can appreciate my final year is vital to my future life. The bank identifier was XXXX and the transaction Number is XXXX. This transaction was initiated by XXXX XXXX and the initiating branch ref is XXXX. I hope this information is helpful to you and you can help me, thank you for your time. I look forward to hearing from you.
Consumer complaint received 2020-08-24
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. (TX)

XXXX and Experian did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask XXXX and Experian to provide documentation of debt validation.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (WI)

Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called GM financial to fix that. They continue to not repair. I have notified XXXX XXXX and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXXXXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were some unpaid last bill ( {$320.00} ) that I was not aware of. XXXX XXXX account closed in XXXX and I could not get any notification from them since thenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2021 and I finalized my new residential place and changed my Driver license in XXXX. 

XXXX XXXX and Amsher sent notice to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not receive those letters. They filed a collection in XXXX, which hurt my credit record for XXXX and XXXX. I noticed the drop of my credit report and found out what's happened via XXXX. I just called Amsher Collection and paid my debt immediately. Now the balance is XXXX. 

This collection is caused by wrong address record. I did not intent to delay the payment. I ask the credit bureau to delete this record.
Consumer complaint received 2021-09-27
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: Experian Information Solutions Inc. (NJ)

I have tried to resolve a disputed collection agent account on my EXPERIAN credit report. 
I call EXPERIAN multiples timesso they can explain me the dispute result and to provide me with proper valid documentations as signed contracts or agreements with this collection company. ( result of my dispute show that it's resolve and that the collection agency will stay on my report ). Experian told me they can NOT provide me WITH any documentations, but that this collection agency has well confirm that this account is verifiable and truthful. I told the agent under the name XXXX that I call and send mail to this collection company and they told me they could not verify my Person and they don't have any document to proof that I have a business with them.. 

When XXXX of EXPERIAN hear this he just hang me up and he ( experian ) didn't call me back... 

ITS CLEARLY THAT EXPERIAN IN THIS CASE JUST ARE IN VIOLATION OF THE REGULATION OF LAWS OF THE FAIR CREDIT REPORTED ACT.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Automotive Servicing, LLC (TX)

I paid off my vehicle through Strategic Automotive Services in XXXX of XXXX and my account still showed open over 6+months after paying off the vehicle. I called them multiple times to get the account closed. Instead of closing the account they completely took it off my credit and blamed XXXX, and said they had taken it off my credit, not them
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

We were denied an important XXXX bond because of all the errors on our XXXX Business Report. We have since been denied multiple credit cards and vender agreements. I submitted XXXX disputes at this point. XXXX has been corrected after 5 months, only to be incorrect yet again 1 month later. Our company name is XXXX XXXX XXXX XXXX. 

Errors on Report- XXXXBusiness secondary address XXXX. Show our business as a full-service restaurant, which we are not and have never been ( corrected ) Now it states we are a Equipment rental facility & Commercial And Industrial Machinery And Equipment Rental. Our SIC codes are changed and new ones are added constantly this is the XXXX changes this past year. We are a construction excavating company XXXX. Showing XXXX open liens that have been closed for over a year, i submitted court documents showing the leins are satisfied and they refused to remove them XXXX. XXXX Credit Cards with high balances when we have only EVER had XXXX cards. I disputed this they refused to remove it or give me more information We only get denied if the company uses experion to check our credit, and it is seriously impacting our busines. I have Lein Satisfaction letters, old credit reports and all previous disputes.
Consumer complaint received 2020-11-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (OH)

I received the " updated documents '' pertaining to my loan that BSI states are correct.

1. The Partial claim mortgage that I was told to sign and if I did not that my house would go into foreclosure do not match what they are claiming that they have updated.

2. The amount on the partial claim is {$28000.00}, and the amount on the mortgage statement shoes {$30000.00} a difference of {$2000.00} 3. I made payments of a total of {$4200.00} which do not show applied 4. I simply need what I was promised resolved back to November of 2021. 
I was promised a 3 % interest rate and my payments would be XXXX XXXX. When I have made attempts to call or email no one responds at this company. 
Please Advise XXXX XXXX
Consumer complaint received 2021-09-27
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: Experian Information Solutions Inc. (CA)

There is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however Experian and XXXX still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that Experian and XXXX remove this collection account from my credit report immediately.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo making charges to my checking and savings account when I have free. I was to be grandfather in and they lied about it. They closed my accounts I lost over {$1000.00} plus credit card I paid off they put negative remarks on all three credit bureaus. They can't tell me why it put there and didn't do dang thing to correct it. I had have third party fixed multimillionaire business issues that keep failing to fix. Management wouldn't fix it. The number they give us dead end line to call back. Wells Fargo doesn't care about it's customers even after 40 years.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Due to the COVID pandemic, I suffered financial loss in being laid off. I applied for forbearance of my mortgage load. From XX/XX/XXXX Through XX/XX/XXXX. In late XXXX I called the loan servicing company United Wholesale Mortgage to talk about next steps. Specifically, I was curious about the qualifying factors for deferring the balance to the back of the loan. I was placed on hold for an hour and did not get a response. 

I called back the following day, and was told that my account and the balance had been placed in deferment ; which I did not request. I was told then, that it was a mistake and was taken off deferment and I chose to continue forbearance for an additional 3 months ( XXXX ). 

In XXXX  XXXXI got a letter saying my payment was due and the balance from the original forbearance was deferred. Confused because of the conversation I had I called and asked to clarify and to speak with a manager. I was told a manager would call me back. No one ever did. I called again about a week later and again no one called me back. 

In XXXX  XXXX/XXXX  XXXX I got a call back from management. I spoke to XXXX, employee ID XXXX. She assured me that she would fix the deferment issue and cancel that request that was never made. She would send me a letter explaining that it was fixed and would make sure that XXXX would also be in forbearance. 

Additionally, throughout all this time, they have reported me to the credit bureau twice when part of the CARES law says that homeowners in these situations would not be reported to the credit bureaus. 

Furthermore, I got a call from XXXX employee ID XXXX on XX/XX/XXXX, reminding me that my forbearance would end on XX/XX/XXXX. I asked if I already had a balance in deferment and she explained I did. I never got the letter XXXX promised and the issue was never fixed. XXXX said she would escalate the issue and get me a call back. No one called. 

Finally, I called on XX/XX/XXXX to confirm that my option to defer the balance and begin paying on XX/XX/XXXX.I spoke with XXXX and Now I am being told that deferment is not an option because I already deferred a previous balance. This is ridiculous! Im being given the run around and no one is helping. 

I have asked them several times to speak to management and I am only told that they will call me back and they havent. The only time someone supposedly did with XXXX the manager did not do anything that they said theyd do. Supposedly all calls are recorded but only management can listen to these calls. 

All I am asking for ; is for all balances from XX/XX/XXXX-XX/XX/XXXX be deferred to the end of the loan. Thats all I need. My hardship is over, and I am ready to start paying. Please help.
Consumer complaint received 2022-05-02
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: Synovus Bank (PA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-02-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC. (KS)

XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX left a message on my boyfriends voicemail discussing contacting my son and discussing contacting my sons employer about debt my adult son supposedly owed. I then called XXXX XXXX at XXXX XXXX XXXX who discussed with me the exact amt. my adult son owed on a loan from Loan Cashnet and that the loan was taken out in XX/XX/XXXX. It is my understanding that debt collectors can not disclose this information to friends or family which XXXX XXXX at XXXX just clearly did.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit percentage has not been updated currently. I had the same credit score for almost two months with no updated account information. I paid off all collections accounts in full within the 2 year agreement. Over 100 points was taken and promised to be put back on my credit report by creditors if I paid within the time. All my credit accounts are paid below XXXX percentage. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Experian, XXXX is not updated my credit score. My perception is that I am being discriminated against because I am Women over 40. This is hindering me from getting any future credit cards, loans, to purchase a home etc. if I were to use any accounts they would decrease my score in minutes.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

I filed a complaint before this one and my problem was not resolved. I was WRONGLY charged XXXX fees of {$35.00}, and my account was covered the same day, but there is no reason for this absurd charge. Only XXXX fee was withdrawn and I CAN NOT agree with that because as I said, my account was not negative. This bank is not clear in its information and I feel deceived by that. I want my {$70.00} back, which is rightfully mine. If you Wells Fargo are not capable of providing a decent website that gives clear information, you should review your information because you are harming thousands of customers who work hard to pay their bills. I feel TOTALLY wronged!!