davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is gouging people on interest, continuing their unethical business practices. I have been a cardholder for approximately 1 year. I have a credit score of approximately 710+. I have no late payments or over limits with Wells Fargo. Wells Fargo has insisted on charging me their highest interest rate, nearly 27 % on my credit card once my promotional period ends. It is completely unacceptable to have a rate this high, especially with my credit profile. I have asked repeatedly for the rate to be reviewed and lowered to the range of my other credit cards which are 13 % to 20 %. They have refused - in what seems to be violation of US federal law which requires rates to be periodically reviewed. Their customer service pretends to care but really just gives you the run around so they can continue to gouge you. It is appalling.
Consumer complaint received 2018-09-30
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: EQUIFAX, INC. (FL)

I was denied credit from XXXX ( XXXX XXXX ) on XX/XX/2018. They used Equifax 's credit report. I then logged into Equifax website to obtain my credit report for being denied credit. 

1. ) I entered the info requested by equifax at : https : //aa.econsumer.equifax.com/aad/landing.ehtml 2.  ) Received a prompt that I will receive an email with further instructions, which I did with the following link provided by equifax : Use the link below to login now because the " status of my requested report failed. '' http : //myservices.equifax.com/AAD_dashboard Your product is ready to use right now. 

Your order transaction number is XXXX and username is XXXX. You will use this username and the password that you created at registration to login and view your products. Be sure to keep this information in a safe place for future visits to the XXXX XXXX. 

After you log in you can : - View your current product ( s ) and features - Edit your profile, including Username, Password and e-mail address - Access educational information and utilize easy to use financial tools Thank you for your order. We look forward to serving you in the future. 

Your Equifax Customer Care Team Copyright Equifax 2018 | Privacy Policy | Terms of Use | FCRA 3. ) Once I log into their website following the above link, the only options are to PURCHASE they reporting products. Nowhere can I find a resource to get my credit report from the " failure '' or even an option to speak to someone. The 800 number provided is 100 % automated and speaking to a person is not an option. 

My issue is : I am entitled to my credit report WITHOUT unnecessary burdens in place. Please investigate this matter further. It should not be this difficult to obtain information. Also, they circles Equifax puts you in gives you no choice but to purchase their products. This is unethical and taking advantage of people. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Sir / Madam, I had taken Auto finance from Capital one auto Finance for my XXXX XXXX XXXX car in XXXX, XXXX for 4 year lease Account # XXXX I have paid early and my last payment of {$1800.00} paid through XXXX XXXX XXXX Check not through my personal check on XX/XX/XXXX. 
I called Capital one auto Finance department and asked them when can I have my lean released from your side. The reply from them was it will take 15 business days and after 7 more days they will post me release of lean after that I can take it to XXXX. I asked the lady why is this like you have to wait to have clear a XXXX XXXX XXXX XXXX so long? she said this is policy of Capital one auto Finance, I asked her can you please E-mail me the policy she refused, than I asked her that I want to talk to manger, When I asked manger she replied the same, I asked her I am on you website please let me know where I can find you policy, she said we do not have. 
I thought I am living in XXXX period of XXXX ; ; ; ; ; I told her that I am going to make a complain about it, she said we are not bother about it this is our policy. I told her that we are in XXXX so please do not push XXXX to XXXX XXXX XXXX. 
They should have develop a system online with XXXX to clear lean, I think they have link with XXXX for loan and insurance with all XXXX in all states that benefits them but not for people benefits. 
When some one has paid full amount why he or she have to wait so long?? 
I will highly appreciate it if you please look in to this. 
Thanks and Best Regards XXXX XXXX
Consumer complaint received 2018-09-30
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. (TX)

On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I clicked on links to take advantage of a XXXX  AMEX platinum card marketing offer that ended XX/XX/2018 ( I did this on XX/XX/2018 ). The offer was for XXXX miles and XXXX MQMs, dependent on purchases within the first 3 months. The link redirected me to AMEX ' site, where I applied for platinum status card and was approved. I met the requirements of the offer, yet to date I have only received a portion of the offer and am still due 25,000 airline miles.

I have called American Express multiple times, and each time they offer only portions of the complete marketing campaign. Calls on XX/XX/18, XX/XX/18 ( they credited me XXXXk miles on this call ), XX/XX/18 ( they credited me 20k miles on this call ) and XX/XX/18 have been met with partial credit for what I am due. American Express claims that I upgraded my card vs applying for a new card, and therefore was not eligible for the credit, yet the website application was extremely misleading and nowhere was this presented to me during the process. 

On my last call to American Express on XX/XX/18, I indicated that I would be submitting a formal complaint if this matter was not resolved within a reasonable timeframe of 30 days. At this point, the terms of the offer have not been met, and by my records I am still owed XXXX airline miles. If American Express honors this and credits the additional XXXX miles, I will consider this matter resolved, but unfortunately I have been unable to get them to proactively act on this and need assistance.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Complaint : PennyMac mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX XXXX XXXX sold our mortgage to PennyMac in XX/XX/XXXX. They did not report any payments until XXXX of XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, PennyMac hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. PennyMac has reported these months, ( XXXX, XXXX and XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XXXX, when XXXX XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when PennyMac took over as my mortgage company in XXXX of XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but PennyMac has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
Consumer complaint received 2018-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc. (OR)

I was called and offered a XXXX dollar loan that I've been needing to help with bills. They deposited XXXX dollars into my account and they wanted me to buy 2 XXXX XXXX cards to put this money on too and send them the card information which I already have done. I filled out a loan agreement with my signature as well. Along with sending them my bank information.
Consumer complaint received 2018-09-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years  later I received a letter from another collection agency regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted to me.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

ou are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (LA)

To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from IC Systems. I have made several calls to the original collector XXXX and XXXX XXXX collections and Fraud and no one is able to help me or tell me what this is about. Today they advised this may be fraud and that I should dispute this account. The only account number I have from collections company is XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have. The account that is showing on my Credit Report is XXXX and thats also a violation because account number should be dislosed. 

Please resolve this. 


Thank you
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I was scammed out of XXXX dollars using the chase  quick pay feature. I was buying tickets that I never received from the seller. I contacted chase immediately as this happened and they were unhelpful and did absolutely nothing to help me. This happened on XX/XX/2018. Chase does not provide any safety to their customers and I feel like they could have easily helped me after this scam but they refused to.
Consumer complaint received 2018-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (ME)

In XXXX of XXXX my husband became very ill requiring several weeks of hospitalization. He has always paid and handled all finances for the home. In trying to take over all payments of the bills, it came to my attention that a loan modification had taken place, as far as I have been able to research on or about XXXX. My name was not on the loan. My husband was apparently told that they didn't need my income to quality for a loan modification. The application was processed without my knowledge of being removed from the mortgage. 

I have contacted a lawyer, and was advised a loan modification should not be done to remove a person from the loan. If the home was in jeopardy of foreclosure, my income was provided as part of the process. 

Since my husband has been ill this has left my hands tied trying to pay for my home that I have lived in and supported in payments for close to 23 years. I have contacted Provident to obtain the documents they say I signed. I have never signed anything that I was aware of to be removed from this mortgage. I am on the deed, and this has been difficult to say the least to sort through. Provident did not provide due diligence to protect my assets in the home I have been paying on for years. I have been since XX/XX/XXXX trying to get the home back in my name, since my husband was diagnosed with XXXX. This has been a hardship for me and an expense I should not have to take on at this time in my life.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have an item on my credit report from Transunion, XXXX, & XXXX that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
Consumer complaint received 2018-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BTH Management (KY)

I have a payday loan on my account that I did not request. I have talked to the company before about this but they are leaving me liable for it. I do not know what to do at this point but I do not think it is fair that I am on the hook for this.
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (KY)

The option I chose was the best one I could. I cancelled my insurance policy and there was an attempt to charge me the remaining amount on my premium {$430.00}. Any car insurance company I have had where I have cancelled it before my insurance policy was up never had me pay the remaining premium. I currently have XXXX  and I have brought this up with them and they have not responded back to me. I have disputed this with all 3 bureaus but XXXX  has still kept this error on there.