davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
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. (MO)

XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through  the Dept of Ed a nd that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Lincoln Financial Services (CA)

I gave  XXXX  cash and then I traded in my car so total of  XXXX  to purchase me a vehical but apparently the vehicle broke down with  in 2 we eks on driving the SUV I went up there to the car place were I purchase it from which is the city of  XXXX  California talking to the lady who said I was APPROVE but I still had to put down a payment which was th  XXXX  so she was n't trying to help me than she said call the place who approve my loan which was  Lincoln finance  company in  XXXX   XXXX  California I spoke to  XXXX  which he requested me yo send proof that the car was messed up and how much he will see if he can help me well 1 month go by than mon th 2  came and he told me there is nothing he could do about while after a long wait in the mean time I had no money back are a vehicle for me and my  XXXX  children they knew my situation but apparently did n't care long story short he do n't work for the company no more wow such a mind blower so I go back to the dealer because everyone was giving me a run around from the dealer to the fiance company the lady at dealer said she will only give me  XXXX  back but not cash so I told her no I do n't want another vehicle from you guys I need all my money she said no I will give you another vehicle her name is  XXXX  well she was n't trying to work with me my children was missing school due to the problem so I filed a complaint still no results so I feel this should be removed from my credit report as soon as possible now this whole situation was unfair to me and my children for them ripping me off but yet still sending me letter by mail I will not pay them anything at all because it was there fought and I gave them the vehicle back
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (CA)

On   XXXX   XXXX   XXXX     at approximately  XXXX   XXXX  time I received a voice mail from (  XXXX  )  XXXX  the caller identified himself as   XXXX    with  ext  XXXX . I called the number  (   Prince parker and associate 's in g. ) I was transfer to the collector  XXXX  the collector informed me that I had a bill from  XXXX   XXXX   XXXX  in the amount of  XXXX  USD he ask me how did I want to pay the bill. I told him that i needed to log in to my account with  XXXX   XXXX   XXXX  because i tough i paid my bill I 'm currently an  XXXX   XXXX   XXXX  customer and did not remember getting that bill, I check my account and yes I did have a balance in the amount for a recent closed account. The collector was persistent that pay the bill over the phone he advised me that my account was turned over to them on   XXXX   XXXX   XXXX    , I informed him that I did not feel comfortable paying over the phone since i did n't receive a statement from them, He insisted that he had all my information and confirmed my new mailing address and told me he had my Social security number and recited the last four of my social security number  I  asked him how come they never sent me a collection letter with my debt information and he claimed they sent multiple letters to collect. I then asked him how it was possible since they received my account 3 days ago, i told him i did not have a problem paying as long as I get a statement, I informed him that by law they had to give me a written notice a statement but he refuse and told me he was not going to argue with me and that he could not help me and he cut the conversation. I have no problem with paying my bill in was an oversight on my part, my responsibility is to pay that bill but i feel that your company is violating my rights under The Fair Debt Collection Practices Act
Consumer complaint received 2024-09-18
Product: Credit card — Store credit 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 (IN)

XX/XX/year> - purchased XXXX dresses from Saks online. 
XX/XX/year> - items arrived. Two of the dresses did not fit so a return was initiated and the times returned via XXXX XX/XX/year> - Saks acknowledged receipt of the two returned items. 
XX/XX/year> - no refund/credit has been issued. Called Saks customer service and spoke with XXXX. He confirmed the refund was still being processed but could not provide any timel frame to the refund/credit to be issued.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through th e Dept of Ed an d that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In  XXXX  I effectively closed my account with Ban k of America after mult iple fraudulent checks were cashed in my name without proper verification of identity. I went through the proper channels, filed a claim and once the claim was resolved closed my account.     In  XXXX  I went to a  XXXX  branch to open an account and was told there were " disparaging remarks '' on my consumer report saying I had abused privleges at that bank. I was never called or sent any letters in regards to a debt, no was I sent to collections for anything.   I than visited  a Bank of America branch and was p ut in touch with the claims department who asked me if I would pay the outstanding amount of about {$4000.00}. I was never sent any letter saying I owed them money and my account had been closed for over   three years. I was than forwarded to checks and balances who again asked me if I had any intention of paying the outstanding amount. I was forwarded again back to claims who told me that since the claim was over three years ago I would need to file a new claim in order to get any information regarding why there were disparaging remarks on my account that were preventing me from opening with another bank.
I have given them all of my contact information and was not contacted. I went back to the Bank of America and was told again that nothing could be done except to open a new claim and that the files from the original claim were n  ot accessible to me.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On  XXXX   XXXX ,  XXXX ,  Capital One  assessed an annual fee of  XXXX  dollars on  my Capital One s mall business credit card. This fee is in return for a benefit of  two  percent cashback on purchases. This annual fee was to pay for this benefit the period of  XXXX   XXXX  through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX ,  Capital One offe red me a new, different product for the same account  - 1.5 percent cashback with no annual fee. I accepted the product, which they described as an " upgrad e. '' However,  Capital One  refused to refund the annual fee that I had already been charged, or a pro-rated amount thereof, seeing as how I would no longer be receiving the benefit of  a two perce nt rate of cashback.     Therefore, the promotion that was presented as an upgrade actually is not.     This refusal was made by  XXXX , who I was referred to by the corporate office.     I then made the same request to  XXXX , a senior acct. supervisor, who I was transferred to by the disputes department when I attempted to dispute the fee.      XXXX  said she agreed that I should receive the fee refunded but said she had no option to issue it, saying the refund could only be issued if there was an " offer '' available. She said she would escalate my request, but as of today I have not received any call back or refund.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I accidentally paid my mortgage twice i n one mon th ( due to their system not showing to have received my bank 's " bill pay '' check on time ). They processed both payments at the same time a couple of days after the second payment was made. I called to ask for a refund on the second payment, as it was made in error. They informed me that I would need to submit a written letter, along with a bank statement, faxed or mailed, and that a refund would be issu  ed in 20-30 business days. They would not even handle the request over email or over the phone, the bank statement and letter had to be faxed or mailed.
Upon asking them to apply the mistaken payment towards next months payment, they said that they were unable to do so, that I would need to call back after next month 's payment was due - they gave some excuse along the lines of having to hold the money in an 'un-allocated funds ' bin, and that I would need to call them in 3-4 weeks to re-allocate the money. I was told that even applying it to principal would not count t  owards the following month 's normal payment schedule.     In an era where money can be transferred electronically in a matter of seconds, I do n't feel that it 's fair to hold my m oney hostage for a minimum of 20 days, and require a written, mailed or faxed letter to initiate the refund request. The whole exper ience is unnecessarily complicated. I feel that all of these requirements and barriers are engineered to confuse and perhaps trick consumers into paying additional fees - late payments, online/phone payment fees and/or allow them to hold the funds for internal short-term investments.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

Ive applied for a personal line of credit from Wells Fargo, XXXX, XXXX, XXXX. 
With the intent to pay off my credit card debt. 

My plan is to pay off all my cards, close the accounts and pay off the remaining balance of my personal lines of credit. I 've struggled to pay off all of my cards because interests rates are going up. I 've transfered a balance from one credit card to another credit card but dinner than later the interest rates start to give up again and I can never accomplish my goal.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (KS)

This company is a collection company working for  XXXX   XXXX . There have been several other companies hired by  XXXX   XXXX  and I have had to go through this.  XXXX   XXXX  hired an independent  contractor  to install a  XXXX   XXXX  system in my residence   in 2012. The representative vandalized my h
ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist  ing one. He threw my storm door open in the wind, of which ripped it off.
I have been through this numerous times with different collection companies. I do not ow  e them anything because this was never made right with me. I do not owe this company to vandalize my residence.
Consumer complaint received 2017-04-25
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 (NC)

I,  XXXX   XXXX   XXXX , have a business that uses PayPal to accept payments for  XXXX  auctions and to process payments on my computer service website. I have had my account limited due to an  XXXX   XXXX  department that is reviewing accounts  for PayPal. I have provided PayPal with numerous documents that they requested, and have gone above and beyond what is legally required for a sole proprietorship in my industry. I have given them Proof of  business registration, Supplier contact information, Invoices for purchases, A statement of my business model, and many other supporting documents. I was instructed by a CPA and a lawyer to create a business checking account, and when I tried to add that account, it was not allowed by their system. Adding a bank account would in fact solve this problem of compliance, and would reinstate my account since currently I have no access to my funds. I c alled the PayPal support number to get this fixed, and they said the limitation was preventing adding a bank account.This is n ot true. According to their own " resolution center '' I am allowed to add a bank account, but their system refuses to allow it. I have screenshots of the page before they " fixd '' it so that does n't show up now. I have done everything they asked, and now I do n't have access to my money, and  XXXX  only use s two payment processors, so I ca n't even do business because of this negligence. I would  like to have the compliance department to review this account and figure out why this has n't been handled already.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (HI)

Had my card declined, calle d Barclays and was told my account was closed and needed to wait for the letter that was sent out with explanation. Well the letter came a few days later stating the reason as negative public record identified. Called Barclays  again and was told that was all they could not elaborate and that it was company policy! I told them that I ca n't find any negative public record, so where and how did they. That told me to write the office of the president! Would n't give me an email address, found email address on company site!, told me to write a letter, gave me address! So sneaky!
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have disputed the referenced account numerous times from  XXXX   XXXX  to  XXXX   XXXX ,    2017 wit h the creditor. I still have yet to receive a positive resolution. On  XXXX   XXXX ,  2017, I r eceived another credit alert from  XXXX  reflecting the incorrect balance Capital One is reporting to  XXXX ,  XXXX , and  XXXX .
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servici  ng  messed up my escrow account and increased my payment from approx. {$600.00} per month to over {$1100.00}. This caused me, as a single mother of  XXXX  minor children, to go into foreclosure. I repeatedly filled out the RMA loan modification requests ; more than 10 times in fact. Finally, after literally years of sending the RMAs over and over again and begging them constantly for a loan modification, Ocwen finally sent me a loan modification titled "  Home Affordable Modification Agreement ''. T he modification was incorrect in the amount owed, it said I owed {$130000.00}, when in fact I owed approximately {$93000.00} . ( th e original loan amount was {$77000.00} and I had paid on it for years prior to Ocwen 's mess up with my escrow account ) Even though the amount they claimed I owed was wrong, I accepted it anyway to save our family home. I accepted it, but asked them to correct the balloon payment that was attached to the modification agreement at the end. The balloon payment at the end should have been {$38000.00}, not {$93000.00}. I explained to Ocwen over and over again to please look at their modification agreement and then look at their attached balloon payment. It was simple math on the modification document and the balloon payment attached to the modification agreement was wrong. I begged them to just fix their error and told them repeatedly we would accept the modification agreement ( even though it was tens of thousands more than I owed ) with the balloon payment fixed to reflect the actual modification document it was attached to, i.e., {$38000.00} balloon payment at the end, not {$93000.00}. I have had to pay attorneys to fight the foreclosure for years, I have paid forensic auditors to show  Ocwen  I did n't owe what they claimed, etc. I was willing to pay way more than I owed them if they would just fix the balloon payment. This is almost hard to believe that this is not purposeful fraud on Ocwen 's part. Obviously, we all see in the media the multiple times your office, the CFPB, and  XXXX   XXXX   XXXX   XXXX  's Office of Mortgage Settlement Oversight has fined Ocwen for this exact kind of false and deceptive trade practices. Please, please please help me before Ocwen causes us to lose our family home. I am a struggling single Mom. Our home is all I have. Thank you.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independent Recovery Resources, Inc. (NY)

IRR, Inc .    XXXX   XXXX   XXXX   XXXX , NY  XXXX  Toll Free :  XXXX  Telephone :  XXXX  Fax :  XXXX  Email :  XXXX  XXXX  XXXX   XXXX  started calling my cell phone number several weeks ago to try to collect a debt from the person who must have had my number 4 years ago. They called several times a day from multiple numbers. If I called the numbers back it gave  me 2 options 1- I am  the person they are calling for  2- I am not the person they are calling for. When I selected 2 I was prompted to provide my collections account number- which I do not have because it is a wrong number. I was not able to talk to a real person or select an option to let someone know it was a wrong number. Sometimes I would even choose the 1st choice of being the person they w ere calling still could not get a person on the phone.   I even called the hospital that the debt was owed to. They gave me a number that was also automated and gave me the same choices. Because I called from my cell phone it would prompts me as if I was the person they were looking for. I looked up contact info online. I could not speak to a real person. Finally I called from another number this seemed to confuse the system and I finally got a   3rd choice wrong number.
4 years ago when i got this phone number the person in question used to get many calls. All the other debt collectors had a way I could let them know they ha  d an old phone number.
Consumer complaint received 2017-04-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I contacted  Trans Union about  a collection accoun t that was placed on my account in violation of FCRA Section 623. I contested the amount ( s ) owed to the origin al debtor (  XXXX   ). A s a result,  XXXX  admitted on more than  one o ccasion that the amount sought was the direct result of  XXXX  's ongoing practice of allowing ANYONE to make changes to accounts and actions such as allowin g ANYONE enter into lease agreements on cell phone accounts without proof of authorization or account-ho lder signature. The charge is the result of a " lease cancellation fee '' for a lease I NEVER ENTERED INTO nor signed in agreement. I requested proof of the lease agreement to support the charges and  XXXX  acknowledged it had no executed lease ( and even attempted to get me to sig n one a fter-the-fact ).  XXXX  agreement to cease collections of the amount but the collections agent (  XXXX  d/b/a  XXXX   XXXX   ) placed an entry on my account despite knowledge of the ongoing dispute and failure to provide proof to substa ntiate the debt. The negative information should NOT have been allowed on my credit report.
Consumer complaint received 2017-04-24
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: EQUIFAX, INC. (CA)

I had a tax lien while I was getting divorced and going through a bankruptcy reported  XXXX   XXXX   XXXX , it was paid and released  XXXX   XXXX ,  XXXX . Of the  XXXX  reporting agencies Equifax has declined to take it off my credit report also it does not show it was released. I disputed this with a credit repair company as well as direct dispute with Equifax, also I called.   How do I get it released?   Thank You!