davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have an auto loan with  Capital One Auto Finance.  I n     XXXX   XXXX   2016 I ra n into a financial hardship. I normally pay my auto loan from   XXXX  of   XXXX    accounts connected to  Capital One 's  back office. However, both of these accounts were unable to cover my outstanding balance. My auto loan payment is approximately {$550.00} per month and I had an outstanding balance of {$100.00}. I To cover this balance and prevent my account from falling into delinquent status, I connected another account. However, during the process I inaccurately entered the account information causing the {$100.00} payment to be returned. After realizing this error, I submitted a payment of {$100.00} to correct the error. However,  Capital One  reported my account as 30 days late to the credit bureaus, which has adversely affected m y credit score.      I reached out to  Capital One via  phone and explained my situation to the representative who assured me they would look into my account.  Little did I  know they would only be submitted a dispute to the bureaus, which prompted an inquiry by Capital One and confirmation of the delinquency on my record. This is not what I was trying to initiate, as I understand that it was user error on my part that caused the issue.     I wanted  Capital One to r emove the delinquency in  Good Faith  as I corrected the issue and have never been late on my payment with them before. In addition, I have a previously paid off loan with  Cap One. So  after not receiving any assistance I reached out to the   Executive Office via email.
A representative with the executive office called me and assured they would look into the situation and call me back within 48 hour  s with a resolution. They did not ... I had to call again and a rep informed me that they would not be able to assist and that  Capital One DID NOT issue Good Faith corrections. This is false, as there are many examples of Capital One  working with their customers who have run into hardships. So I do n't understand why they would take a hard line with someone who uses both their auto and credit card services faithfully.     After receiving the turndown via phone, I reached out by mail to express my displeasure with their service and received a form letter stating that they would no longer be able to assist me in the process. Thi s one mistake on my part has lowered my credit score by over   XXXX   points. I am highly  disappointed as longterm customer and would appreciate a bit of commonsense and fairness with my situation.
Consumer complaint received 2017-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

Kia Motors Finance  XXXX .   XXXX    XXXX   XXXX   XXXX , CA  XXXX  Subject : VIN #  XXXX  1 ) I bought a  XXXX   XXXX  on  XXXX    XXXX   and was offered a contract for service that I would only worry about gasoline and wash my car. Those words convinced me to accept it. Last  XXXX   XXXX , I found out that I had to pay for service and I was told that I could cancel that contract. I do think that after paying for 47 monthly payments I should be reimbursed for the whole amount paid until today, since your finance employee tricked me with a disonest explanation.    2 )  Also, I would like to request a waiver on my account number  XXXX  of {$30.00} caused by my typo mistake when making a payment in advance over the internet, instead of bank account, I typed  Kias  account number. I understand it is my responsibility to check it carefully, but I was not late, not even on the due date. It was an honest mistake. After my third call, I was told what was wrong.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Mortgage.  We went to reinstatement asked for a lower payment they wanted {$2300.00} a month we offered {$1600.00} to catch up they did another check came back with same payment  XXXX  we cant afford we want to keep our home but this too k 4months n ow were behind on  11  payments and they want {$10000.00} by   XXXX   XXXX  2017    do n't have and they will not work with us. They want to foreclose on this property so they can make money! Sad ....   XXXX   XXXX
Consumer complaint received 2017-05-08
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: Innovate Managed Holdings, LLC (MS)

I went into a loan agreement with   XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX  was paying according to the loan. However the loan was sold without my knowledge, to Innovate Auto Finance in  XXXX  with my knowledge no information was mailed or phone call I continued to pay. The new loan company cut my vehicle off through GPS tracker that led me to believe there was a mechanical problem with the vehicle so I fell behind in payments. While my car was in the shop my car was repoed by the new company. I called them for the amount owed his exact words were my balance was  XXXX  and it was for an entire year until I disputed it off my credit file. They never mailed me any information of what the car sold for, my balance owed, or any information regarding the vehicle I made several attempts by calling, mailing letters with no response They told me I owe nothing. When I disputed the loan amount went from   XXXX   to  XXXX . I disputed it again they decrease it to  XXXX  dollars
Consumer complaint received 2017-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (UT)

Nelnet in formed me on  XXXX / XXXX / XXXX  that I had a past due payment needed but I did not review the message until  XXXX / XXXX / XXXX . I have auto-payment set up with  Nelnet  and my  XXXX  payment was coming out of my account on  XXXX / XXXX / XXXX  of {$270.00}. I figured I would pay 1 extra payment on  XXXX / XXXX / XXXX  of {$270.00} to bring my account current. Due t o Nelnet 's we bsite ( lag, freezing up, etc ), I accidentally made  2 ex tra payments of {$270.00} totaling {$550.00}. Once I noticed what happened in my bank that a total of {$830.00} came out from "  Dept of Education '' aka Nelnet, I freaked out. I imm ediately called  Nelnet 's   customer service on  XXXX / XXXX / XXXX . The initial customer service rep confirmed he saw what I was talking about and th at 1 extr a payment of {$270.00} was in fact processed. He then transferred me to a " solution '' rep for a refund.     The solution rep was rude and told me the Department of Education would not refund my money even though my account was current and the extra payment of {$270.00} was a mistake. I asked if it could be added to my  XXXX   XXXX  payment and she said no, that because I made the payment within  XXXX  's pay period, it would just be extra for  XXXX . I have a   XXXX   XXXX   XXXX   infant who needed that {$270.00} this month and I expressed that to th e Nelnet solutions rep. She said, " Department of Education does n't care. We will not refund. '' This is extremely poor business practices by Nelnet. They are taking money from hard-working peopl e who need it even when their accounts are paid current.
Consumer complaint received 2017-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

We have an  Equity line of Credit with PNC. The first 10 years were interest only and then reverted to a principal and interest payment plus a percentage. We have tried since the beginning of this mess to get answers from PNC and ha ve never received anything but promises that we will be receiving something. In  XXXX  of   XXXX   our letter of written request was approved by  PNC 's i n house counsel  XXXX   XXXX . As of today we have not received anything in writing to our questions. We have contacted  PNC by   phone, we have sent registered letters and still silence. We did modify the loan into a 15 year fixed principal and interest payment but we are not clear the amount that was modified is correct. All we want is our questions answered.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

OCWEN forced me to accepted a  New Modification in order to hold on to my house. Due to the fact that previous MOD did n ot contained a balloon payment, however, after several court appearance ( which my lawyer that I paid, did not do anything ) and I had to pay the so-called balloon payment including escrow for  XXXX  and  XXXX .     Escrow for  XXXX  was paid and I had a surplus of {$900.00} toward the   XXXX   year.  OCWEN  would not adjust the new mod. I have paperwork from them regarding the escrow. see attachment. file :  OCWEN_letter_pg1 and OCWEN_letter_pg2  I also have a letter from them saying that I had paid the loan in full. Never acknowledge. see attachment : file  XXXX  ( My lawyer did not act upon this letter ).     I have agreed to paid the amount money they said that I owe, but it is under strong protest. However, if I have to pay it, then I will make the payments.     I just wanted to bring this to your attention.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent multiple certified letters to Transunion about inaccurate information on my credit report. They say I hav e 9 bankruptcies ( which I think is impossible ) and a multiple tax liens, but they say its " verified ''. I ask them to validation of these ( physical proof with my name and signatures ) and they just tell me its verified. I called them to today because now they are saying they have no records on me and then the same day I get a 500 page report with mine and a bunch of other people 's mixed together and it shows they multiple bankruptcies that are not mine. The supervisor was kind of shock with the 500 page report and said i have more than one credit file and he was confused why that was. I need this resolved and they just keep giving me the run around and playing dumb, i.e., we ca n't find your file ... we have it mixed with others ... you did n't give us enough information to verified your identity ... blah blah blah ( I sent them certified copies of my drivers license, social security card and utility bills but I still get the run around. Is n't this a major violation of fair credit act or something. My next move is to contact a lawyer which I want to avoid if at all possible so your my last result.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (OK)

I am writing a complaint on the phone number  XXXX 
" Wells Fargo Debt Collections '' They are calling for a   XXXX   XXXX   using the phone number  XXXX 
I started receiving phone calls from the company in   XXXX   XXXX    at    XXXX   XXXX   leaving me a message for a   XXXX   XXXX  . I called the number back and told them the phone number no longer belongs to whomever and to please stop calling me.
I received a second phone call   XXXX    XXXX    with another voicemail for   XXXX   XXXX   . I again called them and asked them to stop calling me.
I received a third call   XXXX     XXXX   with another voicemail fo  XXXX   XXXX   XXXX   . This time with a direct callback number of "  XXXX . I called the number and stated I am tired of them calling my phone for   XXXX   XXXX  . This is harassment and against the FDCPA Laws. They stated they took my number out of there system and I should not be receiving anymore phone calls.
I received a fourth call   XXXX    XXXX  from a  XXXX  direct call back number of  XXXX  for a   XXXX   XXXX   .
I received a fifth call  X/X/2017   XXXX  from a   XXXX    Call back number    XXXX   for a   XXXX   XXXX   .
I call the   XXXX    number on break here at work at    XXXX   XXXX   and notify a  XXXX  that I am not   XXXX   XXXX   and I am tired of these phone calls.
This Wells Fargo account does not belong to me. I do not know a   XXXX   XXXX   I received this phone number when joining   XXXX   XXXX   XXXX   phone plan with my husband. I am sick of this harassment and would like something done about this.
  Thank you
Consumer complaint received 2017-05-05
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: Experian Information Solutions Inc. (PA)

Today I purchased  my credit score and report from  XXXX  via online and also included in the purchase was the same information from   XXXX    and Experian. There was a major discrepancy in the scores at which point I contacted   XXXX    customer service and was informed that the credit score I purchased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score  XXXX  reports to credit lenders when they   inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in  XXXX  and I received a letter from my previous mortgage company that my  credit score th rough   XXXX   was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP (FL)

I have been arguing with Honda Financial Services over disputed late payments for 34 months. They claim they have no record of our conversations and wo n't remove the lates from my credit report. Since our last conversation, they have made changes to previous leases reported to XXXX in an attempt to further ruin my reputation. They are targeting me because I reported them. They are now claiming that a lease I had in XXXX ( acct # XXXX ) was included in a Bankruptcy Chapter XXXX and became delinquent in XXXX XXXX  None is this is true. There was never a delinquency, and there was never a Chapter XXXX B/K. I do n't appreciate Honda Financial bullying me by trying to claim that a lease that ended without incident almost 7 years ago was delinquent or subject to a phony bankruptcy.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

Barclaycard US sent m e blank checks that I can use to write myself a check to transfer a balance at a promotional rate.     I wrote myself a check ( which was allowed per terms and conditi ons ). Two days   later, I get a call from their security team asking numerous verification questions. I spend half an hour on the phone verifying myself, I am finally thanked by them and told that the check would be processed.     A day later, I see that my bank is charging me back for the check ( meaning the check did not go through ). I then shockingly see th at BarclayCard US is chargin g me a " {$26.00} check return fee ''. My bank also charges a {$12.00} fee I call them on the phone, to get this resolved. The first customer service representative puts me on hold for  10 min utes then hangs up on me. The second customer service representative (  XXXX   ) t ells me that the fee is irreversible and fails to provide a reason why. I ask to speak to supervisor and threaten to submit a complaint.  XXXX , the supervisor finally gets on the phone and says that fee will be reversed because it should 've never been charged and reverses the fee.      Barclay Card US  also failed to process the balance transfer, honor the check or provide any explanation for why the check was rejected.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX   XXXX  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .  FEMA  had  XXXX  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in     XXXX   XXXX     the property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien / XXXX   was wiped out at  FEMA  foreclosure.  XXXX  sold the loan to  XXXX   XXXX  as a mortgage. We do not owe them anything. A simple title search by  XXXX  would reveal this. I have made  over seven diff erent phone calls to  XXXX   XXXX  over the  last two mo nths and they refuse to discuss it with me and th e manager has  refused to return my call.  XXXX  has no lien. They NEED to do their own title search & that alone will show them that the loan they purchased was wiped o ut by FEMA  foreclosure    X/XX/2014    due to it being i n a Jr. lien position. I do not own the property nor is this loan a mortgage.
Consumer complaint received 2017-05-06
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. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I requested and received a credit report from Transunion in   XX/XX/XXXX   and discovered that it did not list a long standing (  XX/XX/XXXX  )   XXXX   XXXX   XXXX   Credit card, which had previously been listed. I called Transunion and was told that it was up to   XXXX   XXXX   XXXX   to report the account. I then contacted   XXXX   XXXX   XXXX   regarding the problem and they created a case and said they would investigate. I received monthly letters from them saying they were still working on the issue until   XX/XX/XXXX   when I received the attached letter (   XXXX   XXXX   XXXX   Case Response ) in which they stated that Transunion informed them they were unable to reinstate the account. I then contacted Transunion and, after multiple attempts, was told that I should have   XXXX   XXXX   XXXX   contact their Marketing Department. I then contacted   XXXX   XXXX   XXXX   and was told that they had contacted Transunion multiple times and were unable to get them to add the account. They said Transunion told them it was because of their " purge regulations ''. They also said that they are reporting the account to Transunion monthly, but that they refuse to accept it. I then contacted the WA  AG office an d filed a Complaint, a copy of the context is attached ( Information Provided to Wa  State AG ). I r eceived a response from Transunion, a copy of which is attached ( TransUnion response to WA AG complaint ). They state that they only report information verified by the creditor and that information has not been verified. That is obviously in direct contradiction to the information I received from   XXXX   XXXX   XXXX    I did receive the credit report referenced in their response and it still does not show the   XXXX   XXXX   XXXX   credit card although it does include a   XXXX   XXXX   XXXX   HELOC.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Excerpt from my   XXXX   XXXX   XXXX   letter to C apital One B ank : Dea r Sir/Madam : I  am responding to multiple conversations I had with representatives of your bank on   XXXX   XXXX   XXXX  . I spoke w ith three of  your Representative/Agents :  XXXX ,  XXXX  and  XXXX  regarding the fact that although I barely using the card, and pay the bill in a timely manner, paying an extra {$10.00} in an effort to reduce the balance, the balance consistently increase rather than decrease. Below is the information that I was given by your representatives : They could only go back to  XXXX  ( I have had this card for at least 25 years ) ; I was told that because the interest rate on cash advances is higher than on purchases, that a lesser portion of my payments are applied to any purchase balance with a portion of the purchase balance then added to the  cash advance balance, thus Capital One is allowed to charge a higher interest rate. The last cash advance that showed on my  record was {$20.00} in   XXXX   XXXX   XXXX  . From that {$20.00} I now owe {$1000.00} on cash advances even though I have not misse d one si ngle monthly payment and pay as much as I can afford over the minimum requested ( usually $  XXXX  {$20.00} ) in an effort to pay the balance down In fact, your representative was not able to tell me why I owe your bank {$1000.00}, other than that single  cash advance. One of t hem did offer to refund 3 months of interest at {$25.00} per month, which I declined.