davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Received disclosure notice dated XXXX/XXXX/XXXX from XXXX XXXX. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for TRANSUNION. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from XXXX.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC (DC)

In XX/XX/XXXX I filed a complaint ( case # XXXX XXXX against Envoy Mortgage. The exact same thing happen this year in XX/XX/XXXX. I ( again ) had to call XXXX who indicated Envoy would have received documentation 45 days before the date of expiration of the master HOA policy so there is no reason they need to send me these letters every year. Further, none of the other mortgage holders for units in my building have this problem. So somehow Envoy is doing something that is not industry standard/mandated by the CFPB otherwise why are they they only one harassing the mortgage holder for verifications they have already been sent? Please stop harassing me every year. Please get Envoy to stop sending me harassing letters asking for information XXXX has already sent them.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to follow up on the disputes I have previously submitted regarding several negative items listed on my XXXX credit report. Despite my previous attempts to address these issues, the inaccuracies and invalidities remain unresolved. I am requesting immediate action to correct these errors.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX XXXX did not properly notify of action against my account, and are in direct violation of 15 US code 1666 ( b ). There are no electronic notifications XXXX paper notifications nor calls for my personal credit card account until after XXXX of XXXX. I did not receive statements as requested by mail in XXXX. Additionally, I have made on time ACH withdrawal payments since last year XXXX of XXXX. They have reported my payments late and the amount of XXXX of payments made from XX/XX/XXXX to current and are reporting 30 days over due from XXXX of XXXX through XXXX of XXXX making a severe negative impact of my score causing other creditors to reduce my availability to credit and closing accounts due to their incorrect reporting.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi my name is XXXX XXXX. I got an application for a credit card from XXXX and i call them. They did not give me the credit card. I have had several car accident not my fault, Some the drivers did not have an Insurance so my bills end up in collections. Most of the bills got paid but some still lingers in my credit records. I pay my bill on time but cuz i am XXXX and no t working some times is hard to be on time to pay the bills. I try my best always. Dear sir or Madam the reason i write this letter is some one has changed my name from XXXX XXXX to XXXX I been getting calls and applications for XXXX of dollars to borrow. Calls after calls can i talk to XXXX? I have no idea who changed my name that XXXX XXXX is so good that they lend him XXXX lol. I wonder is this that easy to change XXXX letter of some on and create a new person. I called XXXX XXXX and asked who is this XXXX that has my address and you keep sending applications for loans and credit cards. The XXXX agent told me they get these information from Credit reporting companies and gave me their # 'c so i called now i got all kinds of rights send to me. But not how to correct this problem. Can you help please, XXXX is not fun as it is to put up with this blows my mind. 

Thank you XXXX XXXX
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NM)

I ordered flowers from XXXX XXXX for my aunt 's memorial. That company did n't deliver the flowers in hand to anyone. I gave them my uncle 's phone number so they could call him before delivery. He is XXXX so he may not the door bell if someone rings it.The person left the flowers by a door that was n't used by anyone and no one knew the flowers were outside in the the sun all day, from XXXX until XXXX when my cousin called to tell me they\\\\ they did n't received the flowers. I was terribly upset since it was the last thing I could do to honor my aunt and no one got the flowers for the memorial service. I called XXXX XXXX and told them I wanted a full refund. They offered half my money back right away but said if I wanted a full refund and they said they would have to pick the flowers up to get the full refund. I told them to pick the flowers up. 
This was back in XXXX when the weather was very hot. 
I told them I was n't paying for the flowers and called customer service with Macy 's American Express card and told them to put a stop payment on the flowers. The person I spoke with told me they would take care of it. The next month I called them when I saw they had paid full payment to XXXX XXXX for the flowers, they lied to me. Each month I called about my bill and they lied to me telling me it was taken care of while charging me interest on the unpaid amount for the flowers each month. I have been lied to so many times now that I ca n't trust this company anymore. They never should have made any payment to XXXX XXXX until the matter on the flowers was resolved. I am going tear up myc card and never use it again. I hope you can help me with this situation.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have XXXX credit cards issued by the Bank of America. I have had them for several years. I set up an auto pay to cover the minimum balance in XXXX but I did not owe any money so the auto pay were refunded to me. XXXX XXXX I started carrying a balance on these cards. Today I noticed that I was being charged a late fee of XXXX dollars even though I have an auto pay set up on both of these account. I called the company and discovered that I have been being charged these fees since my XXXX statement. The auto pay was coming out each month on the XXXX day of the month but my due date was the XXXX day. 
I did not pay attention to my statements every month so I did not notice the charges and call the company until today. I thought it would be a simple matter to get this corrected and get a refund. 
Not only did Bank of America refuse to refund my money they did not tell me how to make my auto pay date and my due date the same to correct future errors. I feel that I have been cheated. The woman I spoke to XXXX XXXX told me this was my fault and my fault alone because I did not pay attention to my statements. She refused to refund me any money even for the XXXX late fee because the fee was due yesterday. Can you help me? I feel that Bank of America knew that my auto pays were coming out of my bank after my due date for many months and that we are equally to blame therefore they should accommodate me by crediting some of the late fees. They do get there payment every month via an auto pay system that even XXXX admits is antiquated and confusing. XXXX apologized profusely " for the inconvenience '' but refused to return any money or even tell me how to avoid this in the future.
Consumer complaint received 2016-12-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Selip & Stylianou, LLP (NY)

Letter from Selip & Stylianou , LLP states : I last paid on XXXX/XXXX/XXXX on a XXXX bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.
Consumer complaint received 2016-11-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (CA)

I 'm receiving collection notices from ARS National Services Inc., for debt for a XXXX account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with XXXX over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the account.
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Management Services, LP (CA)

I opened an inquired around XXXX 2016 against CAPITAL MANAGEMENT SERVICES LP for attempting to collect a debt for the amount of $ XXXXPlease look case XXXX. I did n't dispute their response because on his response letter. This company said will cease all collection activity and in its letter states to have the Creditor verify the alleged debt owe direct to me, so far none has verified the alleged debt of {$900.00}. Today I received a letter in XXXX from this company again trying to collect the same debt without verifying the debt as I inquired on my original case against CAPITAL MANAGMENT SERVICES LP Case # XXXX.I would like the CFPB step in to check into this issue if this company has violated any Consumer Protection Credit Laws I 'm attaching as referral the company response letter from the previous case and the letter I received today.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank reported late payment on my credit report even though the entire loan was fully satisfied with 9 days as I was in escrow to sell the house. I had the mortgage loans for 10 years and have never been late. Now I am getting penalized, my credit is damaged as I am unable to get a loan for the next 2 years with a reasonably affordable rate. Chase is unwilling to provide me with a letter of explanation of any sort. I do n't think Chase should have the right to provide this type of punishment to borrowers. As a single mom, it is getting tougher and tougher to survive. At the time ex husband refused to pay any child support or provide any assistance to pay the mortgage. I was only late because the house was already in escrow to sell. Banks should not have the power to ruin a consumer 's credit. Especially when I was current 99 % of the time.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (VA)

I am a part of the Wells Fargo banking scandal. Several years ago I lowered my monthly rate on my XXXX year mortgage. Unbeknownst to me WF added an additional loan and years to my mortgage. What they told me over the phone and the papers they sent for to sign were XXXX different things. Now I am saddled with a XXXX year mortgage and an additional loan. This last fall WF agreed to lower my monthly rate XXXX point, in house. It is now XX/XX/2017 and it still drags on. Their notary did not properly sign the documents they sent me and I was asked to have XXXX RE-NOTARIZED and re-sent to them. Now they have informed me that this paper has been lost and we need to begin the process all over again?? .The incompetence/ dishonesty is breath taking!! I believe that they hope I will go away so WF will not have to give the point reduction. Their attempt to mitigate their nefarious banking practices.
Consumer complaint received 2016-11-01
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XXXX my husband received a notice that we needed to call Capital One 360 due to some questions about recent activity. Since it is a joint account I called support who, after a 45 minute wait, indicated that an unauthorized person had logged into my husband 's account. As directed by support, my husband ran a Spyware scan and verified that his computer was not infected with spyware and sent the scan to their fraud department. Two days later when the joint account was still locked my husband called to have the account released. He was unable to reach anyone in the fraud department and was told he would receive a call back within 24 business hours. It has now been over a week and still no call back. 

I have attempted to transfer money from the joint account and Capital One 360 is preventing access to my funds until their fraud department talks to my husband. However, after over a week my husband can not gain access to anyone in their fraud department. 

It is a joint account and I am being prevented from accessing my funds. 

It has been over a week and we are unable to reach anyone who will release our funds.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (OH)

RE : CBE Account # XXXX XXXX Account # : XXXX Account Owner : XXXX XXXX To Whom it May Concern : The collection of this debt is related to the return of a mobile device to XXXX XXXX ( " XXXX '' ). I obtained a new mobile device pursuant to the terms of warranty agreement related to XXXX Account No. XXXX and was instructed to return the defective phone to XXXX. This account has now been closed, but I am still a XXXX customer under another account number. 

After confirming the address for the return with XXXX, the phone was returned to the XXXX XXXX XXXX XXXX in XXXX XXXX, Texas via XXXX XXXX, Tracking No. XXXX XXXX XXXX, and was delivered on XXXX XXXX, XXXX at XXXX XXXX. The XXXX XXXX label and tracking information can be provided. 

Wanting to allow for time for the return to be processed, on XXXX XXXX, XXXX, XXXX was contacted directly to confirm that the phone had been returned and that the account balance reflected that {$0.00} was due. I was informed that since his account was in collections, I had to communicate with the collection agency handling the account. After contacting XXXX XXXX XXXX ( Acct. # XXXX ), I was advised the account had been transferred to another agency, XXXX XXXX ( Acct. # XXXX ). A representative from XXXX XXXX advised me they had no record of the phone being returned and that it may take additional time for the XXXX records to reflect that the phone was returned. 

No additional correspondence from any collection agency has been received since a statement dated XXXX XXXX, XXXX from XXXX XXXX. Thereafter, I began receiving telephone calls from unknown numbers, but was not left any voice messages. I discovered one of those calls was from CBE Group after I called the number back with my fiancee on XXXX XXXX, XXXX. The above scenario was explained via phone and I was instructed to send a written letter disputing the debt. That letter was sent via regular mail on XXXX XXXX, XXXX and no response has been received. I verified via an online account today that this debt is still with CBE Group and an outstanding balance is still owed. 

The debt is being disputed since the phone was returned. Ultimately, CBE Group is attempting to collect a debt that does not exist due to the circumstances explained above. The phone was returned to the address as was instructed by XXXX.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (GA)

I was evicted by XXXX XXXX and XXXX XXXX XXXX XXXX. I was being harassed so badly by NCC business Inc. so I paid NCC Business services in full XXXX XXXX, 2016. NCC Business Services Inc never validated that XXXX owed the debt and the also refuse to submit validation of my dispute. NCC has not provided proof of payment in writing to me or XXXX XXXX, NCC continues to report the debt as unpaid on our credit reports for my Son and I. I have called and requested a letter to validate they were paid in full and the representatives including Managers, XXXX XXXX, XXXX and XXXX fail to provide written proof. The funds were removed from my checking account but is still showing as debt outstanding on my credit report as well as my son 's credit and he was denied an apartment for rent because of this. NCC also are still reporting to XXXX XXXX this debt is still owed. NCC Business Services also refused to verify payment to the property management company where XXXX applied for housing. As a result the price for the home has increased and he was not approved. I dispute this information because I paid {$2300.00} electronically to NCC Business Services XXXX/XXXX/2016.
Consumer complaint received 2016-08-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: New Century Financial Services, Inc. (FL)

Third party collection agency New Century Financial Services, filed a judgement against me to claim a debt from XXXX to place a wage execution order. According to the judgement this claim was from XX/XX/XXXX. I paid the judgement in XX/XX/XXXX to a collection agency. Additionally, there was no written notices prior to this regarding an opportunity to set up payment plan. Judgement creditor did not provide me notice prior to escalating it to wage garnishment and the agency never contacted me. When I called for more information regarding the wage garnishment order representative could n't provide me with my DOB and address and asked for my social security number. Additionally representative stated that I physically spoke to someone from XXXX XXXX XXXX XX/XX/XXXX to make payment arrangement. This claim is completely false, I have never spoke to anyone from New Century Financials, Inc. or any other firm pertaining to this matter in person. There was no XXXX transactions in my credit report. Creditor XXXX has never sued me in court to obtain a money judgement against me for garnishment wages. I requested in writing a demand for a bill of particulars to include the unpaid balance on the account, proof the Plaintiff owns the account and they have never sent me this information.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good Evening, I wanted to reach out in regards to an issue I have experienced with capital One. I had XXXX credit card accounts with them ( XXXX for nearly 10 years and the other 6 years ) that have never been delinquent. 

I deposited a XXXX check on XXXX/XXXX/16 XXXX XXXX XXXX and I had XXXX checks ACH checks with Capital One that were debiting my XXXX XXXX XXXX checking account on this same day, XXXX for {$40.00} and the other was a full account payoff XXXX {$1200.00}. XXXX XXXX XXXX did not pay the checks at the time ( they NSF XXXX/XXXX/16 ) due to funds being released in same time period but they refunded the overdraft fees and said capital one could resubmit and they would pay them. Capital one did not resubmit the checks so I issued new payoff checks XXXX/XXXX/16 for XXXX of the accounts. XXXX/XXXX/16 I called them because my account said restricted and they informed me that they closed all XXXX of my accounts XXXX/XXXX/16 and said they would not re-open them. I have been a loyal customer for nearly 10 years and have never missed a payment on any of these accounts. This negatively impacts my credit score since XXXX of these accounts still have a balance and these are my oldest credit lines.
Consumer complaint received 2016-08-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am making a formal complaint against employees at the Bank of America Branch in XXXX XXXX XXXX XXXX. This was a bank I used to frequent but due do recent events I stopped going unless I had to.There have been at least 4 or 5 occasions where I came in to get help with an issue and was unsuccessful.Instead of getting help I got a laundry list of excuses of why they could n't or would n't I should say.Not to mention the attitudes of the employees there ( Especially the branch manager ) stink.There have been times where I 've seen some of the employees casually standing around or chit chatting among themselves while they have a long line of customers only leaving XXXX or XXXX tellers to deal with the frenzy.For the record I am not the only one who has gotten irritated by this as I can hear other customers at the branch complaining about the exact same things. Keeping in mind they boast about having excellent customer service but clearly have no interest in servicing the customer. It should also be noted I never have gone through as much of a hassel with any of the other BOA branches.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (VA)

I have a credit card with Citibank. I made some charges at XXXX XXXX, and they were declined due to fraud alerts. I called Citibank and they said the issue was resolved and that I could re-do the charges and they would not be declined. I made the charges again, and again they were declined. I called back and stayed on the line with a representative while she removed the fraud alerts and said I could make the charges again. I made the charges again while on the line with the representative and was told they were fine and had gone through and would not be declined due to fraud detection problems again. The same charges were again declined the next day for reasons of fraud alert. By then, I was in XXXX and had to call from abroad to resolve the same problem for a third time. The representative I spoke to, XXXX XXXX id XXXX ) told me she agreed that I had been misled by the previous representative and that I had been told the issues had been resolved when they had not. I told her that I was now incurring international charges to resolve the problem and had to pay for expedited shipping in order to get the purchases in time for my trip here. I told they I felt they owed me reimbursement for the money I was spending to speak to them to resolve the issue, as I had tried to do so previously and had been told by a Citi representative that the issue was resolved and that the charges could be made and would not be declined, when in fact this was untrue. They declined to address the costs they had caused me in any way. I feel Citi should take some responsibility for the time and cost I incurred in fixing a problem that occurred on their end, caused by their representative telling me that she had fixed the fraud alerts on the account and that I could make the charges without any further interference from the fraud detection system when in fact this was not the case.