davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I had a flight with XXXX XXXX, Flight Number : XXXX that was purchased Through Capital One Portal with Flight Disruption Assurance / trip delay insurance which was an additional charge on top of the Flight price. This Protection promised to find me a flight on the same day or next day if my flight was more than 3 hours delayed.

The flight did indeed exceed 6 hours delayed and so I called the number that I was prompted to. One thing to note is that Capital One assures that it will notify you if they detect the delay. That notification never called. It required me to be proactive in order to even get the person on the phone to agree to look at options. The first person to assist me and the manager there as well said there was nothing they could do. There were no flights on any airlines from any nearby airports that day or the next day that they could book for me. However, when I searched for flights on my own, there were plenty of flights that could be booked without issue. I called several times to look for assistance as I believed in the product I bought. The first two times they said there was no incidence number they could provide me, no are they required to give me their names so that I can make records of the call. I continued to ask for helps as I saw possible flights available. One representative told me that because there were NO flights available on their end, my ONLY choice was to have them cancel my flight and nothing else could be done. This was already an option by XXXX XXXX. I also know that the representatives are able to talk to airlines directly for rebooking as my representative did contact XXXX to look for options from their end. Due to my time constraint, I purchased my own flight with the same origin and destination on that day so I could make the event that the protection was supposed to help me with. I am extremely frustrated that a fake and deceptive product was sold to me that cost me money and in the end I had negative benefit. Not only did they give me false protection and reassurance, but I also had to find my own solution after they left me stranded.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

In XXXX XXXX, I opened at auto loan with Regional Acceptance through XXXX XXXX XXXX in XXXX XXXX, Maryland. I received at loan in the amount of {$25000.00} with an interest rate of 29.9 % ( payments of XXXX monthly for 66 months ). After making on-time payments for over a year. I lost my XXXX position in which I notified Regional Acceptance and asked for a loan modification ( due to my current income and past on-time payment history ). At that time I was told that they do not do refinancing. In turn, I attempted to refinance the loan with my credit union and was told that the vehicle has too much negative equity and that they would n't help me. I also attempted to trade the car in at several dealership and was told the say thing. Over the years, after making payments to the loan, I asked Regional Acceptance to allocate the payments in a manner that would result in a credit towards the principal balance versus just the principal. After making payments for over 3 years, the account balance never dropped past {$20000.00}. In XXXX XXXX, the vehicle was stolen from my residence. It was later found was deemed totaled by XXXX. The value of the car at the time was {$13000.00} which was almost {$8000.00} less than was owned to Regional Acceptance. Regional Acceptance is still reporting late payments on my credit after the car was totaled in XXXX XXXX. The car was sent to their Insurance lot and they are still attempting to collect this debt.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.
Consumer complaint received 2017-11-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (TX)

This is an update to my prior complaint number XXXX. I was advised today that XXXX from Ally Financial, who I have previously complained about has attempted to contact the pastor who married my wife and I on XX/XX/2017 and  contacted the woman who did my wife 's make up. He has contacted my old employer on too many occasions to put down in this complaint. He has also contacted my ex-wife, her family and all of my family members. I have no issue with him contacting me, but this is clearly harassment now and a violation of the law. He needs to be stopped or I will take legal action.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I paid my XXXX payment through my bank 's website as I do every month and they received it on the due date ( payment is due the XX/XX/XXXX of every month ). I was surprised to see a late fee on my XX/XX/XXXX bill so I called and was told that the late fee would be waived. Then I paid my XX/XX/XXXX bill through my bank 's website on the XX/XX/XXXX to avoid the hassle I had the month before. Earlier this week, I started receiving calls from XXXX XXXX. I called them back and they said I shorted my XX/XX/XXXX payment {$33.00} so I needed to pay that plus an additional late fee because the {$33.00} was late. I informed them that the {$33.00} was the late fee that was waived. They said they took the late fee off my balance and I still owed them the additional {$33.00} plus late fees. This did not make sense to me because any time I have been charged a late fee and had it waived it was always waived from the total amount due that month.I was told this most recent late fee could not be waived because they had just waived a late fee. I informed them that the first late fee was erroneous because they had received my payment on the due date. I was basically told they could do nothing and I needed to pay these additional late fees.
Consumer complaint received 2016-06-26
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ECMC GROUP, INC. (OR)

My taxes of {$7400.00} were taken and being a single mom needing to move to better my life this was definitely a huge barrier. Please review to see if any money can be returned. thanks and XXXX bless!
Consumer complaint received 2017-11-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Bought my 2nd home since XX/XX/XXXX, with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for 5-6yrs. In XX/XX/XXXX, I decided to modify the account but has been very difficult for the past 6 years. Tried short selling the property through an agent you helped me in finding a buyer, submitted all necessary documents and down payment. They refused I request deed-in-lieu of foreclosure, they refused. All while, they have trying to sell my home. All the time I am getting a new relationship manager. The loan has been sold or transfer to different company. Several time they will call my phone, when I do pick up, there is always a silent on the other end. This is very frustrating. About a week ago, I call the company, someone did answer, and I now request4ed to have my house back, I am no longer interested in modifying the loan. Please, can someone help me, I have been having a hard time with this company. The aggravation is affecting me health wise. Need help.
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have a Title loan with XXXX. 

I lost my job and the job I have now only pays minimum wage. These are aggressive collectors and I need help. 

They repossessed my vehicle last year and did extensive damage to it. After I recovered it from the Repo yard, i found that it had been crashed and had significant damage to the front end & interior. Both front fenders had been ripped out and were thrown in the back seat. The interior smells like methamphetamine smoke and cigarette smoke. Even now over a year later, I ca n't get the horrible smell out of the vehicle. 
These criminals call me over 15 times a day. Call and threaten me and friends and work associates whom were named as references when I first applied for the Title Loan. The interest rate on this loan is upwards of 30 % and I have been charged ridiculous penalties and junk fees by this criminal enterprise. I need help. I need to have my loan re-structured with them and new payment arrangements. I can barely afford to keep my family housed and fed and without my vehicle, we will be completely ruined. I have limited access to documents right now but I will certainly have any documentation you may ask for. Please help me as soon as possible. This is an urgent situation. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2017-02-12
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

I believe that I am a victim of predatory lending. I have asked several times that my mortgage company Ditech who is servicing my loan for XXXX to provide me my original loan documentation to me for the last six months. As of today I have not received them. I found out last year that I have a 2nd mortgage that 's a thirty year interest only at 9 % for $ XXXX.This loan was originated in 2007. This is unheard of.
Consumer complaint received 2016-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Campus Partners, my loan servicer, has been consistently tardy in their repayment notices. Last XXXX I received a demand letter for {$450.00}. The payment was due on XXXX XXXX, but I did not receive notice XXXX XXXX. The demand letter had been composed at the beginning of the month, but was postmarked XXXX XXXX, rendering it unlikely to arrive before its due date - a fact of which Campus Partners should have been aware. 

In addition, Campus Partners have made themselves deliberately difficult to reach ( no email address, no way to contact them online, a nonresponsive call center that offers no path to speak with management and routinely hangs up ), and have obscured or otherwise failed to provide relevant information about loan information ( such as the ability to consolidate loans, or the actual deadlines for payments ). 

Rather than dealing with them, I have resorted to working directly with my college finance office. The finance office has been helpful, but they should n't be placed in the position of having to do their servicers ' job.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I made a charge with my Bank of America credit card on XXXX/XXXX/16 to XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$810.00} for XXXX car payments on my daughters auto loan. On XXXX/XXXX/16 I learned via XXXX and my daughter that to date the money had not been sent to XXXX. To date this has been triple confirmed with XXXX including at their corporate level. I have spent over 20 hours on the phone with Bank of America since Tuesday XXXX/XXXX/16 trying to resolve this and have been practically brought to tears by XXXX of transfers, holds and complete lack of tracking my missing payment. I believe there is an issue of internal fraud. Bank of America has stated that my money is in limbo and they would have it credited back by XXXX/XXXX/16. It has been over 60 days!! To date it has not been credited and the new round of phone calls I have made to Bank of America this week have not led to a complete abandonment of any responsibility to do so. I have asked for proof of the electronic transaction number ( XXXX said they should absolutely have this if they made a payment ) with Bank of America refusing to provide XXXX. Then today XXXX/XXXX/16 after being on hold for 2 hours and 40 minutes I was transferred to a " XXXX '' in the " Dispute Dept. '' who informed be that my payment went to XXXX Bank and I would need to call them to arrange a charge back. This not only was a complete new excuse given for where my missing money has gone but I nor XXXX has any affiliation to XXXX Bank!! Bank of America refuses to explain how or why my payment to XXXX went to XXXX. I never ever authorized a payment to XXXX for any reason. Bank of America refuses to provide any documentation. To date we have already paid interest on money that is in Limbo and late fees to XXXX for the payments I made on XXXX/XXXX/16 that I never knew were never sent to XXXX. We have since had to bring those payments current with additional payments and are now getting the most extreme case of the run around from Bank of America about crediting the {$810.00} back to my credit card. I talked again today to the corporate office for XXXX that for the 3rd time combed my daughters account just to be certain the payment was not applied to her account. He verified it is not. He states he has never seen or heard of anything like this in the banking industry. He, like me suspects there is internal fraud behind my " limbo '' payment but I can get no where by calling B of A. I have called every day since XXXX/XXXX/16 and each call results in 3 hours of holds and transfers. Please help.
Consumer complaint received 2017-03-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Would not identify themselves with phone call at first. Threatened to sue me for illegal activities associated with taking out the loan because my bank account was closed, etc. I filed for ch XXXX bankruptcy and it has been discharged in XX/XX/XXXX. This debt is from XX/XX/XXXX I think & is included in ch XXXX. I phoned my attorney & asked them to send information to this collector to stop the harassment. They are calling me everyday.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and negative source who is saying. And to keep responses and when it was sent.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

Hi, I want to seek help regardig my auto loan with Santander Consumer USA. We had the loan with them since XX/XX/XXXX. Up to now, my balance is still the same. We kept asking why did not go down for almost 4 years and my loan is supposed to end up this XX/XX/XXXX. It is a hard earned money and a waste of money finding out my balance isnt going lesser even i am paying.i might had late payments sometimes, but i do my best to paymy monthly and it is so ridiculous it isnt going to my principal for 4 years. Please help! 

Thank you and looking forward to hear from you. 

Sincerely, XXXX
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I have been a loyal customer with Chase bank for a number of years. After making a series of purchases that I had the funds for according to my available balance, I was charged three {$35.00} dollar overdraft fees when the merchants charged the money several days later. In one instance a bill I paid on XXXX/XXXX/XXXX did not get taken out until XXXX/XXXX/XXXX. I know that other banks such as XXXX have been sued on the grounds of accumulating charges in order to assess more overdraft fees and this may in fact be a similar case. 

When explaining the misleading available balance and my frustration with the excessive {$100.00} dollars in overdraft fees, the representatives called me a valued customer although there was nothing that could be done by the first respresentative. I explained that I understand if all three cant be reversed but at least two or at least one would have made the burden a little less.

I waited nearly 30 minutes to speak with a supervisor who quickly informed me of my value but there was also nothing she could do about the charges. When asked how am I a valued customer when there was nothing that could be done, the representative changed the subject and restated there was nothing that could be done. I would appreciate someone looking into the matter and I am happy to bring relevant charges against the bank institution for their financial misrepresentation.
Consumer complaint received 2017-11-22
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: EQUIFAX, INC. (FL)

My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.
Consumer complaint received 2017-11-22
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)

My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STONEGATE MORTGAGE CORPORATION (CA)

Complaint # XXXX Questions : 1. When did XXXX XXXX first pull XXXX XXXX credit report? What was XXXX comments on her credit score? Did XXXX XXXX tell XXXX XXXX to inform XXXX that her credit is not good enough and there is a possibility that she might not get the interest rate she wants or worse she might not get a home loan? 
2. What was XXXX XXXX FICO score the first time XXXX XXXX ran her credit report? 
3. Did XXXX XXXX provide a copy of XXXX credit report to XXXX XXXX to give to XXXX? 
4. Did XXXX XXXX receive any relevant information regarding the townhouse in XXXX, California from XXXX XXXX? If so when? 
5. Did XXXX XXXX provide any loan and/or mortgage disclosures to XXXX XXXX to give to XXXX XXXX? If so, what are they? 
6. Can you ask Stonegate to get copies of XXXX and XXXX XXXX email communication relating to the home loan application of XXXX XXXX? 
7. Are there any disclosures that XXXX XXXX should have provided to my sister prior to writing the pre-approval letter? 
8. Can you ask Stonegate to provide a copy of their SOP in pre-approving a borrower in XX/XX/XXXX? 
9. Attached herewith is a copy of XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. Can you confirm from XXXX XXXX if he wrote the attached information, emailed it to XXXX XXXX and asked XXXX XXXX to discuss it with XXXX XXXX? 
10. XXXX XXXX convinced my other sister XXXX XXXX XXXX XXXX XXXX and her husband to apply for a home loan through with Stonegate Mortgage as well. XXXX XXXX and her husbands pre-approval letter is dated XX/XX/XXXX. XXXX XXXX and her husband submitted their financial documentation to Stonegate weeks after XXXX provided hers to XXXX XXXX. But XXXX pre-approval letter has a date of XX/XX/XXXX. Thats a week later than XXXX XXXX pre-approval letter. I also noticed that the font used in XXXX pre-approval is different from XXXX. This makes me suspect that XXXX XXXX forged XXXX pre-approva letter. XXXX told the truth when he spoke with XXXX XXXX around the last week of XX/XX/XXXX. XXXX said I never gave you a pre-approval letter. But he changed his statement after XXXX asked him for a written statement. Why is XXXX protecting XXXX XXXX? Did he receive money from XXXX XXXX? Did XXXX XXXX bribe XXXX? Did XXXX go along with XXXX XXXX dishonest plan because of fear that XXXX XXXX will not refer XXXX XXXX XXXX XXXX and her husband for a home loan application? 
11. XXXX XXXX told XXXX that her loan was not approved. Where is the letter from Stonegate dated XX/XX/XXXX that says XXXX credit is so poor that her loan was not approved?