davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
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. (OH)

XXXX often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC (TN)

XX/XX/XXXX XXXX XXXX XXXX has apparently sold my " debt '' of {$640.00} ( we have never been billed for this amount by XXXX XXXX XXXX! ) to 2 ( as of this date ) collection agencies, Sunrise Credit Services and XXXX XXXX, with the account # XXXX which is not even an account of ours. They state it was for my wife 's cell phone ( which was already out of contract with XXXX XXXX XXXX ; their representative at our local store said we could n't return a used phone out of contract and even gave her several suggestions on websites to sell it herself ). They call daily while I am at work, as well as late into the evening ( XXXX  CDT being the most recent ). They have been told it was n't a valid debt and to stop calling, to no avail. I sent Cease & Desist Letters to both collection agencies today with backup showing I paid my account off to XXXX XXXX XXXX, with an agreed amount for ALL accounts to be XXXX out, and the check was cashed by XXXX XXXX XXXX, thus agreeing to our arrangement. I have attached copies of my pay agreement with XXXX, copy of the check and letters sent to the collection agencies. I am complaining against XXXX XXXX XXXX XXXX, as well as Sunrise Credit Svcs and XXXX XXXX.
Consumer complaint received 2017-06-21
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: TD BANK US HOLDING COMPANY (IL)

I was the victim of identity theft in XXXX 2017. I have called Target, XXXX XXXX, XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. <P/>Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

I received a notice from XXXX XXXX dated XXXX/XXXX/XXXX staring that I have an outstanding debt of {$490.00} XXXX XXXX id XXXX and the account is currently in collections. I contacted XXXX XXXX XXXX to find out what these charges were in regard too and the representative could not even locate this amount and stated that my bill is up to date and current and my next bill is not even due for another week. He could not explain the charges for {$490.00}. I have nothing but billing errors with this company since I signed up with XXXX in XXXX XXXX. I feel like XXXX is creating erroneous charges to try to make more money as I have had other billing disputes that they have been unable to explain but I paid the amounts in question for fear of them damaging my credit. I even attempted to cancel their services due to the fact that I felt that their charges were inaccurate and they threatened me with large cancellation fee amounts and in addition they told me that this would negatively damage my credit. I have other family and coworkers who have complained about these same issues. Please investigate XXXX as I believe they are inaccurately making charges and sending customers to collections illegally.
Consumer complaint received 2017-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I received a promotional offer from Fifth Third Bank in regards to my HELOC. I was to receive 1.99 % if I used {$5000.00} or more to their line of credit. I had a balance I was paying 4 % on and decided to move {$8900.00} to 5/3. The online banking portal showed rate change PROMO APR 1.99 % ( 15 times on my screen ) so I thought good deal, that was easy. I got my statement and it showed my rate at 5.24 % so I called 5/3. After some run around, they told me I was n't eligible for the rate even though my screen showed I got it. I would n't have moved the money or would have moved it back sooner if the bank alerted me that I did n't qualify. After complaining to supervisors, they changed the rate to 1.99 % but will not make it retroactive to the date of the transaction. Meanwhile, I paid off the LOC because I had the money but wanted to use someone else 's money short term. The difference is about {$65.00} in interest, and that might not be a lot, however, if they are doing this to me, I 'm sure the bank is ripping off a lot more people. This practice is abusive and uses misdirection to make sure consumers are n't paying attention.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (ID)

I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XXXX/XXXX/XXXX an ATM withdrawal in the amount of {$1200.00} was made from a teller assist machine from Bank of America located at XXXX XXXX XXXX in XXXX FL, I was in XXXX, FL. The criminal used some sort of identification to withdrawal the money from my account ending in XXXX. The amount exceeded the limit I had placed on the account but they authorized it anyway. The same criminal than came into the bank to try and cash a bad check on my account and the teller flagged it as possible identity theft and would not allow the check to be cashed, they then allowed the person to leave the bank. I was notified via voicemail. I called back and initiated a fraud claim through the bank on XXXX/XXXX/XXXX. They informed me they do not inform the police, that would be my job, and the money should be returned to me within 10 working days. I then went to XXXX to purchase XXXX gift on XXXX/XXXX/XXXX where I discovered that Bank of America had cancelled by cards, without informing me. I contacted the XXXX Police Department to report the crime on XXXX/XXXX/XXXX when I returned from vacation. I went to the bank on XXXX/XXXX/XXXX to find out why the money had not be returned yet. They informed me that they were doing an investigation and the money would be returned on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and they told me it was still under investigation, and now it would be XXXX/XXXX/XXXX but they could not view the video footage without a subpoena that I had to initiate from the police department, who has still yet to call me back. On XXXX/XXXX/XXXX I went back to the local branch to find out why the money still had not been returned, they told me it may be XXXX/XXXX/XXXX, more than a month since the money was stolen, but that they could not even guarantee that The bank also said they have a right to deny the claim or fraud when they could easily see, from the video footage from both the ATM machine and inside the bank who the crook was. I can not believe that Bank of America can first assist a criminal in committing a felony, but than constantly lie, as to when I am going to get my money back, there must be some sort of rule or regulation governing the return of money to a customer. Also, they refuse to tell me what form of identification was used to obtain the money. I think I have a right to know what form of ID a criminal utilized to impersonate me. Also, is there no regulation that stipulates when a bank has to have an investigation completed by? What boggles my mind is, how can a bank witness a felony and have no obligation to report it? Bottom line is, I want my hard earned money back. I earned it, I saved it, and the only person here who has the advantage is the criminal. I have no idea what recourse I have towards Bank of America, or who could even help. 

*On the account statement attached the transaction is the first one on the page*
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AK)

I do not want complaint ID # XXXX closed until you can provide both signatures from the two different transactions I made to XXXX XXXX. 

When you can show proof of both signatures and they are the same then you can close the case but until then I want this investigated.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, Equifax, AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX  IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, Equifax, AND XXXX or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Consumer complaint received 2018-01-06
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: Experian Information Solutions Inc. (AZ)

I tried to have myself added to my wife 's checking account at XXXX XXXX on XX/XX/XXXX. The informaiton from Experian is that they could not validate my dentity, and caused the addition to be canceled. We made several calls to Experian, the 1st rep said this was because someone tried to enter my Social Security too many times and caused it to block, but could not give any additional information. Called, back and was told that there were no blocks and that we would have to file a dispute with a hard copy of my credit. ( I have a copy, and there is no reason for chase to not be able to open the account ) I called again, and asked for a manager, and the rep was nasty, ( XXXX ) and after 30 minutes on hold, hung up on me, because I insisted that a Manager call me back if not available. 

I had an issue in the past with Experian mixing my credit information with another person, and had to have that resolved. There are also notices on there website regarding my information for my email being compromised, but the reps spoken with have no indication of that. 

The bottom line is that there is some issue with my SS # with Experian, they do not know and can not fix it, and I am unable to change banks because of this. I am am homeowner, and just purchased a new car in XXXX of XXXX, and should not have this issue.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (LA)

OCWEN Loan Servicing LLC serviced my loan from XX/XX/XXXX until I sold the property to an individual ( not a bank ) in XX/XX/XXXX. Last week I applied for a new mortgage loan with both XXXX XXXX XXXX bank and XXXX XXXX XXXX and was declined by both due to a foreclosure reported on my first and second mortgages by OCWEN on XX/XX/XXXX. When the banks ran the application everything on my credit looked fine and I was pre-approved, but when the banks submitted the application into XXXX XXXX, that is where the incorrect foreclosure information was found. I made my mortgage payments when I was able and sometimes they were late, but my loans were NEVER foreclosed upon. I did receive some threatening letters from OCWEN at times when I made late payments, but I was never notified of a foreclosure process or served with any type of legal papers regarding a foreclosure. This information is completely false and I have requested that OCWEN have this false report removed immediately. I am still awaiting an answer from them if this will be done. Unfortunately since the false foreclosure is not showing on my credit report and only in the XXXX XXXX software, I am unable to dispute it with the credit bureaus. I have also accessed my entire payment history with OCWEN and compared to the information they reported to the credit bureaus and there are numerous payments that have been inaccurately reported. For your reference, I have attached a copy of my payment history with OCWEN, a copy of my credit reports with payments reported by OCWEN, as well as a spreadsheet with what I believe should be the correctly reflected for each month that I had a late payment. Please let me know if you will need any additional information to research. Thank you very much!
Consumer complaint received 2017-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC (CA)

Trinity Financial Services is a company built on purchasing old debt and then threatening or proceeding with foreclosure as soon as the value of you home justifies them doing so. We attempted on several occassions to negotiate a settlement with them but their response was to file a notice of default against us and pursue a foreclosure. Even though the foreclosure would net the company less money than we were offering. Their website suggest work out programs but also touts how investors can receive amazing returns on their investments. The tactics and lack of ethics used in our case are well documented and repeated in several cases based on the number of complaints I saw on the CFPB site however they are currently in violation of Reg Z and the servicing laws designed to protect consumers. Since the notice of default was filed we provided the default amount and reinstated a HELOC that was taken out in XX/XX/XXXX ... ... yes they waited 9 years to file an NOD against us. in fact Trinity Financial did not even have the recorded assignment of the deed of trust when the NOD was filed ... which is a violation in an of itself. That said we reinstated the loan in XX/XX/XXXX and have since made two full payments on the remaining balance. to this date as of XX/XX/XXXX we have received absolutely ZERO communications from them regarding our loan balance, loan number, payment received and applied/or not applied ... ..NOTHING!!! I have sent at least 4 emails and made multiple calls with no response or direction. The fact is there is only one department ... ..loss mitigation. When you ask about loan servicing you get the same folks in loss mitigation. This organization is not equipped to service loans and at this time we believe they are violating the law with regards to providing the necessary statements and documentation of the payments received along with what the balance owed is.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

After I log into the Capital One corporate website ( https://www.capitalone.com ), a screen appears that says:"Your account needs attentionFederal law requires us to add your business Employer Identification Number (EIN)Please call us at XXXX-XXXX-XXXXReference offer ID XXXX"HOWEVER, the phone number provided ( XXXX-XXXX-XXXX ) is listed by XXXX Search as being a FRAUDULANT NUMBER, asking all kinds of questions about whether the card is active or not, etc.I first received an e-mail a couple of months ago, checked the phone number out, and DID NOT provide any information.NOW, TWO (2) months later, this same FRAUDULENT NUMBER Appears ON CAPITAL ONE's OFFICIAL WEBSITE AFTER I log into the website using my credentials that have been set up for me on the site – for a long time….After being on hold for over an hour Friday, XXXX XXXX, 2018, I  was finally transferred to a “Fraud Department Supervisor” who did not provide her name in a legible manner. She continuously said that the “Offer Number” was valid and that the phone number was valid, so I was wrong about the fraud. Of course the Phone Number was valid. That has never been in dispute. What is in dispute is who answers the phone and what they do with the information once they get it.I no longer have ANY faith or confidence in the Capital One Fraud Department and desire the CFPB Office to take appropriate action before an unknown number of Capital One Business accounts get scammed and their businesses get ruined.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
Consumer complaint received 2018-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

I called XXXX XXXX XXXX on XX/XX/XXXX. I was informed that I still owe XXXX after my payment of XXXX on XX/XX/XXXX. During XXXX I experienced some financial problems and XXXX XXXX XXXX allowed me to differ 4 monthly payments and stated that those 4 payments would be added on to the end of the term. However, through my conversation with two different supervisors, I was told that there are additional charges even after I have paid the 72 month term. My first monthly bill was on XXXX XXXX and should have ended on XXXX XXXX. Considering my 4 differed payments, my last payment should be XXXX XXXX. The supervisors stated the additional fee's are principal of XXXX. During my conversations with the associates that allowed me to differ the payments, the additional fee's and charges was never mentioned, other than the payments being added to the end of the term. I spoke to XXXX employee #XXXX on XX/XX/XXXX. I asked for her manager, she stated one would call within 24-48 hours and I have not received a call. I faxed a complaint letter to Customer care on XX/XX/XXXX. I called again on XX/XX/XXXX after receiving a past due text to my cell phone. I should not be liable for charges I was not made aware of.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

On XXXX XXXX XXXX I wired {$70000.00} to Coinbase from Coinbase I moved the money to Coinbases other platform XXXX where my money has been locked up since XXXX XXXX XXXX. I can not login in to the account or access any of my {$80000.00} in the account. I have called over 10 times and emailed them 7 times. They keep making excuses for why the account has n't been unlocked. I have contacted a lawyer and plan on sending them a letter. Which cost {$1500.00} from a lawyer. Please help me resolve this issues.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (MI)

I HAD NOTICED A CHARGE ON MY CAPITAL ONE ACCOUNT OF XXXX IN XX/XX/XXXX. CONTACTED THE COMPANY AND THEY HAD TAKEN THE CHARGE AWAY. I HAD FAXED PROOF TO THEM THAT THEY CHARGE IS DIFFENTLY FRAUD. I HAD FAXED THEM A COPY OF THE COMPANY THE CHARGE WAS FROM. 
CAPITAL ONE HAD PUT THE CHARGE BACK ON MY ACCOUNT ON XX/XX/XXXX. I HAD CALLED THEM AND THEY REFUSE TO TAKE THE CHARGE OFF. I HAD REFAXED THEM THE PROOF ON XX/XX/XXXX. WITH A LETTER. I HAD CALLED THEM ON XX/XX/XXXX. AGAIN, THEY WILL NOT TAKE OFF THE CHARGE BECAUSE THEY SAID THAT IT IS MY CHARGE EVEN THOUGH I HAD FAXED THEM PROOF TWICE THAT IT IS NOT MINE. I was contacted to XXXX which is my fraud agent and she was not available. I was unable to leave a message due to her mailbox was full.
Consumer complaint received 2018-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (MD)

In 2012 Statebridge did a loan modification on our mortgage, we were made to understand that we will get relief for the rest of the loan term and our loan term was extended to, unknown to us, they had indicated that the loan will rest to original note after 60 months. Now the original loan was a construction loan through k bank at an interest rate of 5.95 %, after the payment started, we reached out to XXXX XXXX and the rate was reduced to 4.9 % for the rest of the 30yr term, we had trouble making payments and Statebridge modified the loan, however upon selling the loan to other servicer, Statebridge and indicated the loan to be reset to 5.95 % instead of the 4.93 %, please refer to the modification doc and review your existing term and the new term on the last page of the modification. XXXX XXXX had sold the loan to XXXX at rates of 4.93 % and the same was sold to you, why did you revert to the 5.95 % of the construction loan. Now what was meant to be a relief is now a burden, we got a relief for 5yrs and now burden for 35yrs.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I disputed a charge on my account in ref to a simply business and provided police report and the bank is refusing to replace my money with I'm on XXXX and do not work as a consumer I was under the impression that the bank responsibility is to protect my funds