davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (LA)

I had three credit cards with XXXX XXXX going back to XXXX in various credit limits : {$300.00} business XXXX, {$1200.00} XXXX and {$2200.00} XXXX. In XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XXXX and XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from XXXX about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. XXXX XXXX employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XXXX to find the fake XXXX XXXX charge off back on my credit report. The statue of limitations in XXXX for collecting is three years. Equifax is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries, that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for Equfax puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off Eqifax was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX ; the XXXX XXXX alleged debt appears on XXXX  again along with a debt collector XXXX XXXX with fake address and phone number ). XXXX XXXX did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX XXXX account.
Consumer complaint received 2018-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MN)

I have been making additional payments and asking them to be allocated to a specific loan token after paying my normal monthly auto payment, however, they are not applying my extra payments directly to principal and are charging against next months interest. I called customer service and they are making it very difficult and are running me in circles with no concise answer. 

My auto payment is set to cover all of the monthy interest gained for all loans, then I make an additional payment and that is not being applied to principal as requested and has even been dispursed across all loan tokens. They say that interest gains daily which I understand, but this is an extra payment after all interest should have been paid. Plus they are charging me {$69.00} in interest when I just made a payment two days before. 

This has happened many times. Here are some of the specifics : Auto payment made on XX/XX/XXXX - done correctly and applied to all 4 loan tokens Extra payment made on XX/XX/XXXX - done incorrectly, was requested that 100 % of payment go to loan token XXXX. But they dispursed it to all 4 loans. 

Extra payment XX/XX/XXXX - done correctly Autopayment XX/XX/XXXX - this was now applied to only loan token XXXX, not all 4 loan tokens instead of putting earlier payment to it. They are doing it backwards. 

Extrapayment XXXX- done incorrectly. 100 % ahould have been allocated to principal on loan token XXXX, but instead was allocated to all 4 loan tokens. 

Auto Payment XX/XX/XXXX. Done incorrectly and went to token XXXX. They are flipping my extra payments and auto payments around to their benefit for interest gain. 

Extra payment XX/XX/XXXX - done incorrectly. Was also allocated to loan XXXX but dispursed to all 4 tokens. 

Extra payment made on XX/XX/XXXX. Should have processed but they are delaying processing my extra payments which accumulates daily interest. 


All in all, they are flipping my payments around and making not applying extra payments correctly.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (VA)

I have a loan with service finance company. The loan interest rate is for around 9 % but my payments are going mostly to interest at over 50 %. On some cases less than a dollar is going to the principal on a payment. I have called them several times about this.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

Balance due from XXXX XXXX for {$37.00} went to collections Plus Four INC. They are attempting to collect {$47.00}. I have never received a bill from the original company nor a bill or calls from the collection company regarding this bill, so I am not even sure it is true. I do recall having the services performed, so I am willing to pay the {$37.00} owed. I contact Plus Four because I saw the mark on my credit app on my phone. I spoke first with XXXX and offered to pay the original amount. she said no. I asked to speak to a manager she put me on hold. I hung up and called back and spoke with XXXX. He indicated they would take the amount but would still have the remainder owed and on my credit. I asked to speak to a manager, he indicated it was such a small amount he didn't think his manager would want to bother. After placing me on hold he came back and said the manger said no. I reminded him that I wanted to speak with the manager, not him. He said he wasn't available and hung up on me. I called back and spoke to XXXX again asking to speak to the manager and he hung up again. I called again and spoke to XXXX. She indicated the manager was not there and would not be back until Monday. I asked for the manager 's name, she indicated it is XXXX. When I asked for his last name she refused to give it and also hung up on me. I now feel this bill is not mine and am not sure what I need to do. Thank you for your assistance
Consumer complaint received 2018-07-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (OH)

My auto loan was sold to Santander in the amount of approx, $ 12k from XXXX on XX/XX/2018, which immediately dropped my credit score 35 points. It has never been reported by Santander to date. I have called multiple times, and spoken to several representatives who tell me that a XXXX will return my calls, but never do. They also tell me they are required by law to report this to my credit and that they report on the last day of the month. They did not report on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was in the middle of purchasing a home when this happened and it hurt me significantly. They have done nothing to resolve this despite my many attempts of getting them to. They have refused to transfer me to their credit department an every call that I have made. Any assistance you can offer would be helpful.
Consumer complaint received 2018-06-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.
Consumer complaint received 2018-06-26
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. (FL)

Experian had a security breach and my information was accessed and fraudulent accounts are on my credit report that need to be removed. This is a federal violation of the FCRA. These accounts are not mine and need to be removed from my Experian report : 1. XXXX # XXXX 2. XXXX. XXXX   XXXX/XXXX # XXXX, XXXX, and XXXX. 
3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX XXXX. # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX 12. Chapter XXXX bankruptcy discharged # XXXX
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I received a letter dated XX/XX/2018 that Chase was closing 2 of my business credit cards one ending in XXXX and one ending in XXXX. I contacted Chase on XX/XX/2018 and was told there was no reason given for the closing of the credit cards. I spoke to a representative and he informed me that he didn't see any reason for the closure of the cards either. I let him know that I still have my mortgage through Chase and the only reason that I could think of for the closure of the accounts is that Chase wanted to eliminate there honoring the bonus categories on those cards. I have had both of them for about 4 years and have never had a problem with either of them. These cards offer 5x points on specific purchases and the new version of the same card only offers 3x points on that same purchase. The Chase representative let me know that I could apply for the new version and I informed him that the reason I wanted to keep these cards was because of the 5x points. I think the only reason that Chase closed these accounts was so that they wouldn't have to honor the terms and conditions that they agreed to. Please let me know if you need further information. Thank you.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I had a fraud alert placed on my Experian credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Experian several times to advise of my credit being pulled without my permission.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (GA)

I opened a joint account ( XXXX  ) with my wife a couple of months ago. 
Marcus by Goldman Sachs decided to closed our account unilaterally and sent a letter on XX/XX/XXXX confirming the account closure. 
Since then I've called several times trying to understand where the money is, every time I call they say that either the money is going back to the funding account or that they are going to be sending a check. 
In different occasions they have also confirmed that they already sent the money back to the funding account and that is the other bank 's fault, other times they have confirmed that the balance would be sent in a check but it's still in process. Every time we call, every person says something different, on the last call, they stonewalled us and decided to not provide any other information for " security reasons ''. At this point they are refusing to provide more information.
Consumer complaint received 2018-06-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

I took out a HELOC with PNC bank in XXXX of last year ( XXXX ) and promptly set up an automatic payment to be deducted from my external checking account. This loan has an XXXX Only period during the 'draw period ' and the automatic payment is set up to pay this interest payment. PNC initially failed to set up the automatic payment - despite XXXX attempts during which we followed their instructions to set it up - so we made manual payments and eventually in XXXX they confirmed that the auto pay is all set up. But then, they started sending me notices that my account is in default and past due, when I called they assured me the letters were sent in error and it is " all fixed now ''. They attributed the error ( which they said is affecting XXXX of their customers XXXX to a " software glitch '' in their new servicing system. despite this assurance in XXXX, they kept sending me such notices of being in default, ( despite me seeing them withdrawing my monthly payments on time from my checking account ) I spent hours on the phone with them, they kept assuring me all is good and fixed but not so! Most recently I received a XXXX from them saying that they are suspending my " credit privileges '' and I will no longer be able to draw on my line of credit. In fact, as of the time of this writing my account shows as suspended. My most recent communication with PNC was on XX/XX/XXXX with a supervisor who explained that the issue was that the payments, although timely, were erroneously being misapplied by their system and instead of covering interest the entire payment was being applied to principal thereby making it look like I was past due with my interest payment. This supervisor said it will be fixed very soon. I asked why did PNC not send any written communication to those XXXX affected customers, explaining the issue and assuring them this will not affect their credit reporting, etc ...? this supervisor said he does not know why. I asked if he can email me this assurance in writing and he said he is not sure what he is authorized to put in writing. 

At this point I do not know what to do other than turn to you. I am concerned about this eventually being XXXX reported to the credit agencies as a derogatory payment history ( I take my credit standing very seriously ) and although I don't have any immediate credit needs the point of obtaining this line of credit was to have credit available to me and now it is suspended because PNC still has not fixed their issue. I also can not keep spending hours on the phone with them trying to fix this - I don't have the time for this. I just want this fixed once and for all. I am a good customer who pays on time - PNC needs to get their act together and do their part!
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NC)

***Re-submitting my complaint with additional information*** I have applied for an account. The system notified me after providing the requested verification of address that it was not received. I then called to find out why. The first agent advised that the automated system rejected my bank statement. When I asked why, she advised she did not know. She then transferred me to XXXX, a supervisor. I asked him the same question as I did the agent and he said because thats what security is saying. When presweed he continued to say because thats what security said. I advise XXXX that it is my right to know why this is being rejected as my identity has been stolen twice now and if there is an issue I need to know. he then continued with, because thats what security says and we dont have to disclose this to you. Then when I asked why i wasnot allowed to lnow he proceeded to tell me because of security. I then asked him if my bank statement was rejected by the automated system or by a real person and he proceeded to tell me he didn have to tell me this. I also asked XXXX if I submitted another document off the listed since it was for address verification and I redacted other personal information, he advised me that it would also be rejected but refused to tell me why since this is only for address verification and not identity verifcation. 

XXXX also refused to provide me with his ID number so a complaint could be made as well. 

My account has been opened since the end of XXXX, which is the same time that XXXX XXXX received my complaint. I responded back stating the only reason that my account was all of a sudden opened and approved was because of my compliant. I received an email this morning, XX/XX/2018 advising my application was denied even though my account has been opened about a month.
Consumer complaint received 2018-06-26
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: Credence Resource Management, LLC (FL)

I have communicated with Credence in writing via certified letter with return receipts in XXXX and XX/XX/2018. In my initial request to them, I explicitly stated that I was disputing the validity of the alleged debt. Credence did not provide any documentation to substantiate the alleged debt. Credence provided on their letterhead from the latter dispute in XXXX ( see attached ), I did not receive a response from my XXXX dispute, an arbitrary number that does not provide any details nor specifics as to the date this alleged debt became payable, original delinquency date, verification that this debt was assigned and sold to collector, a complete accounting of the alleged debt and the name and address of the bonding agent for the collection agency in case legal action becomes necessary. I received nothing. In XX/XX/2018, I again attempted to communicate with Credence for them to validate the debt and yet again, they did not. 

It is apparent that Credence is blatantly violating my consumer rights by reporting this unverifiable, inaccurate, erroneous entry on my reports. To that end, this entry must be deleted immediately.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There were 2 reports of non-payment submitted to Trans Union from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. OnXX/XX/XXXXthe {$170.00} debt report was removed from Trans Union but the {$200.00} debt remained as an open unpaid debt. I called both XXXX XXXX Trans Union several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from Trans Union which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a no fee checking account with Bank of America some time in XXXX, based on the condition that I don't use the teller / bank-walk-in facilities and I get my statements by email only, while I can use online banking and ATM for doing transactions. It was good all these years until they suddenly charged me XXXX $ fee on XX/XX/XXXX. Since I was honoring all the conditions set by bank till XX/XX/XXXX, I didn't notice the inside details of the statements Bank of America sent through email. Coincidentally in the month of XXXX I logged in the bank account and noticed XXXX $ fee because I didn't maintain XXXX $ minimum balance and they have abandoned the e-checking account or no-fee online only checking account, which I was not aware of. 

When a significant change of this sort is being implemented by Bank of america, I would have expected them to send a letter through mail not just mentioning it in the email statement! which missed my attention because I trusted in Bank of America that they will continue to have the facility they provided initially when I opened the checking account. 

So in total they charged me XXXX $ monthly fee for two months i.e for XXXX month which I was totally unaware of and for XXXX month, when I logged in the account and became aware of the new rule. As soon as I was aware of this, I made sure that I maintained XXXX $ minimum balance by transferring external funds. 

It is totally unethical by the bank to charge the customer by not informing about the new changes they did by proper means of letter through Mail. 

I kindly request you to take this with bank and refund my XXXX $ fee collected by them.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Quicksilver Capital One card has been suspended due to an address change that I submitted. They asked me to submit my social security card, proof of address, and license. I do not have my social security card and I sent them tax documents and the other requested items. I was told that was not sufficient, they needed the signed social security card to unlock my account. I am not going to send them the signed social security card. I have told them it was me who made the change and even provided evidence of the new address that matches the update in the system that is causing this problem. They pretty much told me too bad- and they wont even let me cash in my rewards points to bring my balance down. I rightfully earned those points and want to use them to lower my balance so I can then pay off the card and never deal with Capital One again. They should not be able to hold those funds that I earned - I have verified myself on the phone through multiple questions, provided documentation, and Capital One will not let me redeem them. I am not asking for cash - I am simply asking to use the rewards I earned to pay my balance down. This is unfair and they should not be able to hold my funds.