davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Auto Loan with Capital One, in XX/XX/XXXX I paid off my daughter 's loan I was the co maker on the loan with her. we purchased the Vehicle from XXXX at XXXX XXXX XXXX, XXXX XXXX, La XXXX at the time of purchase Gap insurance was applied to the loan. when we paid the loan off Capital one informed us that we were possibility due a refund of the unearned premiums due to paying off the loan early, I went to XXXX, to request a refund as indicated by the letter from capital one. XXXX filled out the attached request for the refund on XX/XX/XXXX..as of this date we have not received the refund nor any correspondence, I went to the dealership several time, only to be told it would take about 8 weeks. Almost 14 weeks and no response. I am of the feelings that no Gap insurance exist.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CT)

My initial student loans were with Navient when I was attending XXXX XXXX XXXX in XXXX XXXX- it was not an option to select in the school dropdown box. That school has since closed. But regardless, my loans were thru Navient & with the legal trouble Navient has my loans were sold to Aidvantage, Im trying to understand whether or not they will be dismissed or if Ill be compensated for their fraudulent activity.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

on XX/XX/XXXX I called capital 1 regarding XXXX and I was advised they would be removed all but XXXX which was acceptable as I have had terrible problems with capital one and their sleazy banking so I deducted XXXX from my balance and sent a ck for XXXX. I received my new statement and found I had a balance of XXXX this looks like interest on top of interest.I thought that was illegal! Called to have the interest removed to XXXX out the balance and was told it could not be done .Called again today and was told the same thing system would not allow. XXXX can only be removed 3 times in a year!!!!!!!
Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (SD)

On XXXX/XXXX/2017, XXXX XXXX of XXXX ( VENDOR ) XXXX XXXX XXXX XXXX or XXXX XXXX ) XXXX issued a credit card credit to my XXXX Mastercard account using credit card processor : Elavon Inc. XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX USA https : //www.elavon.comXXXX I believe that Elavon Inc. is holding these funds for an unreasonable period of time in order to earn interest on them and profit from them while denying access to them to me. 
I also believe that if this practice is taking place with all transactions it handles, that the profit generated and the corresponding damages suffered by the affected public must be substantial. I believe this practice is illegal or, at least, immoral and is without any business justification. 
I also believe that Elavon misrepresented the disposition of the funds in question when they explained how funds from credits are handled in my phone call with them today. ( below ). 
Elavon : " The funds involved are immediately sent to the Federal Reserve and that the receiving bank must claim these funds from the Federal Reserve '' I have no issue with the vendor or with my own credit card issuing company, Attached is the running dialog with the vendor, XXXX regarding the issuance of a credit to my credit card account in the amount of {$83.00} on XXXX/XXXX/2017.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NH)

Daily compounded interest is killing me! My payments are always on time and I pay more than the required amount. If I pay early XXXX month and then on time the next, the # of days x interest will not let me get ahead. This is terrible!
Consumer complaint received 2024-08-29
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. (MI)

Upon reviewing my Consumer Report, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I paid XXXX medical collections and WAKEFIELD & ASSOCIATES stated I would receive a paid and full receipt upon payment. I have called multiple times and I keep getting the same run around that They have faxed my receipt in which I have not received. I paid with my debit card and have proof of transaction. The phone calls are recorded and should show as proof to our agreement in full. WAKEFIELD & ASSOCIATES have not validated my debt yet they still are reporting these negative accounts.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I paid my XXXX XXXX credit card bill online through XXXX XXXX 's website after XXXX cst on XX/XX/XXXX-17. When I checked my checking account through bank of america the next morning, I showed a transaction processing on XX/XX/XXXX-17 for the payment I made after XXXX. I am not sure why this payment was processed after XXXX on the same business day when I did not pay with a debit card, I paid per my checking account. I have never had a transaction paid through someones website process the same day. This is not possible.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

RE : XXXX Complaint ID # XXXX CA AG Complaint # XXXX I received a reply to my dispute and complaints with the CFPB, XXXX and AG from a senior regulatory affairs associate at Experian who said that the bankruptcy that is reporting on my file belongs to me because it has the last XXXX of my SSN, previous address and date of birth. I am enclosing the documents that I pulled from the pacer system, XXXX copies of government ID with signatures that do NOT match the ones on the bankruptcy petition as well as the proof that I was out of the country when this was filed. Not only that, but those accounts are not even on my credit file, nor have they ever been. I am also including the police report, affidavit and identification documents. If this is not resolved, I will have no choice but to take them to court. 

I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.
Consumer complaint received 2017-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

OnXX/XX/XXXX, I went into Chapter XXXX Bankruptcy. My School loans which was then serviced by XXXX XXXX, had a balance of {$12000.00}. During the 5 year Backruptcy, the trustee made monthly payments totaling {$7300.00}. I received a notice on XX/XX/XXXX from Navient, that I still owed a balance of {$10000.00}. My interest rate is 8.25 %.
This is the information from the National Data Center 's Claim Summary. I will attach these documents as well.
CREDITOR INFORMATION Creditor Name XXXX XXXX XXXX
Mailing Address ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Contact Name EXT # XXXX Phone Number ( XXXX ) XXXX CLAIM AMOUNTS Claim Amount {$12000.00} Scheduled Amount {$12000.00} Monthly Payment {$0.00} Principal Paid {$7300.00} Principal Owed {$8.00} Principal Due Amount {$0.00}
Consumer complaint received 2024-08-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NY)

The finance company - Selene Finance in XXXX, Texas offered and verbally confirmed that I was approved for Cash for Keys as part of the final foreclosure process. 
There was an error on the date of sale of the house in Selene Finance records and I had to contact the attorney that filed the notice of sale. 
The Notice of Sale filed by the attorney was for XXXX/XXXX/XXXX Selene Finance had a date of XXXX/XXXX/XXXX and it was told to me that it was a clerical error and that they were going to reach out to the attorney office to correct. 
I had to call the attorney office and it was corrected. 
Originally the cash for keys was approved with the sale date of XXXX and it had to be resubmitted because of the date correction. 
They are now saying that they have declined the cash for keys because I " changed '' the sale date which is a lie. It was a clerical error that was corrected by the attorney for the finance company. 
They have teetered back and forth since they first offered the cash for keys option. 
I was not able to accept the modification offer and was told that we could try a short sale. I had contacted a realtor to begin the process and at the same time they issued the sale date. I received notice of a XXXX/XXXX/XXXX sales date on or about XXXX/XXXX/XXXX via regular mail. 
It was on or about XXXX/XXXX/XXXX that I was told about the cash for keys. Since that date they have twice told me that I am approved and twice told me that was denied. 
This back and forth is a clear sign that I am being bullied and there is something very wrong here. I have done all I can to resolve this and I am following all of the rules. I feel that I have no one to turn to to help resolve this matter. 
In my last conversion with them they said that we could renegotiate the cash for keys after the sale date. There is either a policy or there is no policy. They change the offer repeatedly. This can not be legal.
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (NV)

On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX major credit cards were accessed over the past year, XXXX were checking accounts, XXXX did not notify me and I do not routinely check activity as I have a specific purpose for that XXXX card. My checking account needed to change along with several bill payment methods. Theft of my identity was being used over XXXX miles away.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (DE)

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone Number- XXXX Work- XXXX Dear Sir or Madam, I am writing to dispute the following in my file. I have circled the items I dispute on the attached copy of the report I received. 
This complaint is Pentagon Federal Credit Card late payment reporting of {$15.00} dollars not paid for XXXX. This credit card was paid in full in XXXX and then Pentagon automated system pulled the full payment again and I had a large credit amount of {$2100.00}. I then requested the credit card to reimburse me for the overpayment but to make sure all money due was paid so that next month my balance would be 0. I did not want to leave the auto pay on because they double pull the amounts sometimes like they did in XXXX. Please see XXXX statement for verification. 
I have enclosed the last four statements so you can see that the {$180.00} charge was paid in full back in XXXX. They also never updated my correct address and all statements went to wrong address. As my card expired in XXXX they sent a new card I never received to old address. This is after verbal conformation that XXXX their customer care representative changed the address to the correct one back in XXXX. 
I have also enclosed a letter with a recent date from XXXX XXXX stating the account is up to date. XXXX XXXX has denied my dispute with all three credit bureaus and will not change my account from late. Please investigate this as soon as possible as I am closing on a mortgage and this is gravely affecting us financially and my familys personal wellbeing. My score went from XXXX to XXXX in one day. This does not seem fair to someone who has never missed a credit card payment in his life, 47 years. Especially since I over paid the amount and XXXX XXXX credited the wrong amount back. With no statements to alert me or phone calls or emails and I am thinking this card has no balances. 
If something is not clear or you need more information please contact me. I am also inclined if this is not resolved in a timely manner in reporting this to my states attorney general office. 

I have enclosed the following : Recent Credit Report with circled item Pentagon Federal XXXX, XXXX, XXXX and XXXX Statements Letter from Pentagon Federal My Credit Score in XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

We transferred payment in full on our card, the bank received it and posted it but did not credit it for 7 days. This despite the fact that the funds came from an account at the same financial institution. Meanwhile, our card was declined and we incurred late fees as a result -- again from the same financial institution! Discussions with multiple customer service reps involving hours of phone calls over a one week period led to no answers. A promised call from a " manager '' never occurred.
Consumer complaint received 2017-03-13
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MO)

On XX/XX/XXXX my wife and I went into the XXXX, IL. branch of US Bank to transfer out two IRA 's to another bank, each IRA had matured on XX/XX/XXXX. At the time of the transfer the assistant manager processing the paperwork reduced the amount of each IRA by {$30.00} as a fee. We had brought all our IRA paperwork with us to the branch and asked the agent to show us where this fee was disclosed. After looking through all the IRA paperwork the assistant manager XXXX called an internal US Bank support line for help. After the call he provided us a " Consumer Pricing Information '' brochure ( printing XX/XX/2016 ) showing a transfer fee. We opened the IRA 's 5 years prior and were not given any fee information for the future, and there was no mention of any fee until we tried to access our money. We did asked to have the fees waived but were told only the manager ( XXXX ) could do that and was not available that day. We also called the US Bank 24 hour banking line the following Monday ( XX/XX/XXXX ) who referred us back to the bank branch we had already visited. I also called the branch the same day and spoke to the branch manager ( XX/XX/XXXX ) who could not help us in refunding the fee. The attached support documents only discuss early termination fees and nothing about transfers at maturity. Attached please find a copy of all IRA documents ( note : wifes IRA is identical in terms, dates, and fees, I can provide these if necessary ) This practice seems predatory in nature as we were not informed of the fees, never signed anything acknowledging the fees, and are charged this {$30.00} fee on each and every IRA account.
Consumer complaint received 2016-05-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMERCE BANK (AZ)

Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.