davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My vehicle was involved in a collision on XX/XX/2018. My car was taken to the dealership for repair and my insurance issued a check payable to myself and Capital One to be endorsed and sent to the dealership, XXXX XXXX XXXX, to pay for the repairs. I endorsed the check and forwarded it Capital One per their instructions. Capital One instead credited my account for the total amount of the check which was significantly less than the payoff balance. This check should have been immediately recognized as a check for repairs and not payment as it was sent by the insurance company and I had previously notified Capital One of the accident and insurance claim. 

After many weeks and phone calls, Capital One finally acknowledged their mistake and removed the credit for these funds from my loan account and agreed to forward a check in that amount to the dealership that had performed the repairs on my car. After many weeks of waiting and multiple phone calls, I was told many different things such as the repair check WAS being overnighted out, the repair check HAD been overnighted out and then finally that I had been misinformated and that they do not *ever* overnight checks but that a check had been mailed via U.S. Mail on XX/XX/2018. I advised them that I intended to seek legal counsel if this was not resolved quickly at which point they told me that they would no longer speak to me and would only speak to an attorney calling on my behalf. I then sought an attorney who called Capital One on my behalf. He was told the same story by Capital One that a check had been mailed directly to the dealership and to check with the dealership. 
To date, no check issued by Capital One on my account has ever been received by me nor the repair dealership of XXXX XXXX XXXX. Several weeks ago the dealership called Capital One directly and was told that the check Capital One insists they mailed has not been cashed and that they could stop payment on the check and send a new one. The XXXX XXXX XXXX employee confirmed the address it was sent to as correct and asked that a replacement check be overnighted to the same address. Capital One denied their request for an overnighted check but said a new check was going out. Today is XX/XX/2018 and I am still unable to claim my car from the dealership as they have still not received the forwarded funds my insurance company paid to have my car repaired from Capital One. I have been making payments on my loan all of this time but have been without the use of my vehicle since XX/XX/2018. 
We have recently experienced a major national disaster as I live in an area devastated by Hurricane Florence and public transportation has not available in my area and taxi or ride sharing services are limited. This is making my ability to get to work nearly impossible and may cause me to lose my employment impairing my ability to make future payments on this loan.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

The problem is with Experian. In trying to contact Experian their automated answering system malfunctions not allowing you to input any information and will not allow you to contact any real person. This with using a variety of cell phones and ' '' customer service '' numbers they list. The numbers all seem to transfer to the same malfunctioning system. But, they will send you an unsolicited survey and I requested a call back and did not happen. This has occurred five times since XX/XX/2018 not including today ( six total ). You can't even email them with issues. 
The government had their foot on their neck a little over a year in the XXXX  hack and failed to fix and follow up. Typical of Big Business and Government kissing back sides. 
These three, Experian XXXX  and XXXX XXXX, control every person in the USA 's finical life but is not held responsible. This is legalized racketeering.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I was banking with XXXX XXXX then. 2001. I am XXXX XXXX retired. XXXX XXXX XXXX XXXX XXXX division of the XXXX. I deposited my life savings into this account and they never offered me XXXX XXXX. This resulted in my account being hacked. I lost over {$300000.00} in this bank error on the part of Wells Fargo.
Consumer complaint received 2018-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Auto Properties II, LLC (VA)

In the process of refinancing my home and title company receives a demand for payment from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX   only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court CMS system and its for a case where the " lien '' garnishment was released after Chapter XXXX  was filed. They misrepresented information sent to XXXX XXXX.!
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

I have a Stipulated Judgment with Fidelity Capital Holdings , Inc, a California corporation, dba XXXX XXXX XXXX XXXX XXXX signed on XX/XX/17 ( attached ). It states that payments will be made on the XXXX of each month. There is no mention that automatic payments are required each month. I have paid on time. I did allow them to automatically process payments from the initiation of the agreement until last month, when the card I was using expired. I paid with a new card last month and told them that I'm not agreeing to auto payments any longer, but will provide payment on or before the XXXX each month. I called this morning and made the XXXX payment ( today being XX/XX/XXXX ) and was told by XXXX XXXX at Fidelity that if I don't do autopay going forward, they have the right to execute on the judgment. I don't believe this is legal based on the language in the Stipulated Judgment. 

Additionally, they are reporting this account negative each month as a collections account. While it is accurately categorized as a collections account, it should reflect " paid as agreed '' as I am making the payments on time per the Stipulated Judgment.
Consumer complaint received 2018-07-09
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. (AZ)

On XX/XX/2018, my credit score with Transunion and XXXX was XXXX, I am not sure what XXXX  was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost 42 points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.
Consumer complaint received 2018-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

I was trying to activate my US Bank Visa Card ( Debt ) though XXXX XXXX   without singing in to my online banking. The problem I am having with problem with visa about their products and services I been scammed by their rules about activating my card though email and without using SMS and they advertise " SELF-SERVICE '' but it is not self service I gave my email for activating my debt cards though that service without logging in to online banking my MAIN source for using my cards IS email I NEVER USED ANY ONLINE STUFF TO ACTIVATE MY CARDS ITS ALL DONE BY XXXX XXXX  AND EMAIL NO NEED TO LOG IN OR CALL MY BANK TO ACTIVATE IT FOR ME I NEVER HAD THIS PROBLEM WITH MY MASTER CARDS ISSUED BY A OTHER BANK I CALL IN TO US BANK AND NEVER FIX THE PROBLEM I BEEN SCAMMED BY VISA AND US BANK
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (MN)

A 60 day late was reported for one of my accounts while my account was in forbearance last year ( XX/XX/XXXX ). A late should not have been reported as no payment was due, and when payments resumed, all payments were made on time. I spoke with a XXXX XXXX representative and they went through my account to confirm this with me. 
The 60 day late reported XX/XX/XXXX. I made a forbearance request payment on XX/XX/XXXX and XX/XX/XXXX. ( I requested forbearance for two accounts, two times in a row at $ XXXX/each ). I believe this issue may have been a result of my account having previously been in forbearance with another forbearance requested immediately after. The dates are as follows : Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payments for the account resumed XX/XX/XXXX. 
I am requesting that you please look into this and remove the late with all three credit bureaus.
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

Date incident occurred : XX/XX/2018 at Approximately : XXXX PST. 

I called into IQ Data International collection agency to try and figure out a debt and resolve it. I called in and spoke with an " XXXX '' right off the bat he was rude and wanted to belittle me. I told him I wasn't aware I had this debt and what it was about as I know I paid this apartment complex off with a cashiers check when I moved out. He stated that they have called me multiple times on my cell phone, my employer and sent me information. I advised I have not received anything. He stated that " I should pay my bills and I wouldn't have to worry about it. '' I was offended by this as I was trying to call in and resolve this debt, I told him not to speak to my like that and he continued to antagonize me and apologize that " you are sensitive sir. '' I stated this is how you treat customers? he replied " you are not our customer, XXXX apartments are. '' I then stated that it doesnt give him the right to treat me like that, he then responded with " Oh, I am sorry I offended you sir, I am sorry you are sensitive. '' I asked to speak with his supervisor, he then responded very aggressively with " No, you will not speak to my supervisor you will speak with me, I am sorry you are so sensitive but you are not talking to anyone but me. '' I continued and demanded a supervisor, he then sent me over to " XXXX '' who was the manager on duty she said they would listen to the call and take appropriate action and then we discussed the options I had. While on the line with her the background noise was insane with people yelling and cheering and I asked her what kind of establishment was this? She responded " I am sorry they like to be loud sir. '' She ended up taking my payment to resolve the debt and as she took it I heard people in the background taunting and cheering that she got me to pay. I am very upset about how this was handled and it was the most unprofessional interaction I have ever had with any company in my life. I want to file a formal complain on IQ Data International Inc.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

Filled dispute for fraud charges made to card reported on XX/XX/XXXX immediately they close down cc. They would send out replacement card should received within couple of days. I placed a call informed would receive card on XX/XX/XXXX called several times every agent overseas not onshore agents. Informed me I would get the card. Money on the card they refuse to issue my money. Then, called spoke with supervisor inform me would be here on XX/XX/XXXX still no card. Need my money back and to close out this card. Has been nothing but trouble with this card.
Consumer complaint received 2018-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

My student loan payments are being applied to interest only instead of principal, then interest, including extra payments. I have asked for an explanation from the Navient advocate but have only received meaningless double-speak. Meanwhile, my loan amounts continue to increase rather than decrease. I pay {$200.00} per month.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions.
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

Recorded message> Hello this is " Haris & Haris Ltd, Phone # XXXX, Says that the company is a Debt collector. Gives times to Call! I am not in Debt and never have been! May be tryiong to reach another person with a similar name! I an not here for their information ABOUT SOMEONE ELSE I HAVE RECEIVED 4 CALL IN ONE MONTH!!! Thank You!!! 

XXXX XXXX
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was trying to link my Capital One account to my Chime account in order to transfer money and received this message : Capital One is blocking you from enabling external applications File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. 
You can alert Capital One that you need access to your financial data by filing a complaint with the CFPB
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc. (WY)

Company stated my " account '' was removed from their system and I would not receive calls anymore. Never purchased any products or services from XXXX XXXX so there should not be an account in the first place. Still calling with fake spoofed caller ID number that does not belong to them. As of writing time of call was XXXX my time. I will continue to file complaints against XXXX XXXX every day they call my phone.
Consumer complaint received 2018-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

My home equity loan was sold by XXXX XXXXXXXX XXXX to Rushmore loan  management services in XXXX, CA. in XXXX of this year. On their first billing Rushmore billed me {$50.00} each for annual fees for the years XXXX and XXXX. I told them that these fees had been paid to XXXX XXXX on a timely basis. They asked me to show proof. The only proof I have is that I was not dunned by the bank for. this payment. I told them repeatedly to talk w/XXXX   XXXX on this matter. Surely they have proof since these payments were drafted from my checking acct along w/my monthly payments. They apparently have not talked to XXXX XXXX. I have made my first payment to Rushmore, including the {$100.00} in dispute for fear that not doing so would harm my credit rating. I would like this amount to be refunded. It appears to me that the subject of fees was overlooked by the parties in the negotiations concerning the sale of the mortgages.It is my position that XXXX XXXX collected the fees ; how they processed them, or applied them is their business, and not mine. My sole obligation was to p [ ay the fees, which I did. 
Acct. # XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AL)

Western Union was used to send money to the XXXX as we do each month. We sent the money on XX/XX/2018 at XXXX XXXX Central time. Western Union has a new policy where they take the money out of your account but it is not ready for pick up for about 7 days. They are using the consumers money for their gain. 
tracking number is XXXX for the first transaction and XXXX for the other.
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gragil Associates, Inc. (MA)

I am receiving a old medical service Bill ( Please see the attached copy ) that I disputed with hospital in many methods. I believe I have a right to protect my medical information and don't want hospital share my SS # DOB or any other information to the third party company like XXXX XXXX XXXX to attempt the disputed bills. 

As a Massachusetts resident I obtained health insurance policy and accept my health provider and primary care to negotiates with the insurance company before any medical service due and let patients know the results of the negotiation. 
in my case I am billed by XXXX XXXX XXXX {$500.00} for the date of service XX/XX/2017 under my name address and account XXXX. 

I called and give them written notice to resolve the problem but I received a debt collection notice from Gragil Associates, Inc and charged a increased amount of {$570.00} ( the original disputed amount {$500.00} ). This bill is a wrong bill to me and due to the XXXX 's financial administration processing fault and need to be resolved and must assured me that my medical information is not being compromised.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Several Fraudulent charges were charged to my account. I informed the company they were not mine. They began to investigate and would adjust charges off. Very often they would put them back on later. I tried to keep track of the charges and their removals. But they stopped putting the individual removals and just called it an adjustment. So I can no longer keep track. This has been going on for months. 

I have continued to make a monthly payment, because I do not want my credit harmed. 

ALSO, i had taken an 18 month loan for a total of {$1300.00} dollars. I have paid them {$1700.00} as of XXXX. The fraudulent charges, that I know about came to {$1700.00}. My statement for XXXX shows a balance due of $ {$1200.00}. 

These were charges made all over the country and often. I have no idea how much money I owe this company. I do know that I took out a {$1300.00} loan have paid that back plus, and still owe {$1200.00} in fraudulent charges. If they are clearing them as they say they were, This has been going on for months and I do not see that they have given credit for these charges. If they are the balance on my statement is incorrect. 

Another credit card I had was also charged with many charges that were not mine. And a third card also. I will be reporting them also. 

I did not give my cards to anyone as the 3 credit card companies claim, and they were not lost. They were with me. HOW can anyone charge on my account with out my password. I CAN NOT! Some one stole my info from somewhere and it looks like I am going to pay for it. I have a small income. 

I am thinking about destroying all my credit cards I can not afford pay for someone else..
Consumer complaint received 2018-09-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Green Square Company LLC. (TX)

I received a call from PRG this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.