davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have requested VALIDATION of the debt bearing my signature form Capital One on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 on account # XXXX, # XXXX, # XXXX on the accounts they are reporting to the XXXX major credit reporting agencies and have not received it. They have repeated responded stating that their records showed that an application was received by phone/internet and the account was opened. Since there are damaging reporting problems exist with respect to what they are reporting I request such validation. Also to certify that the debt was incurred legally during the period it may be payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit.. They have also violated the law by not adding the dispute remarks to my credit file in a timely manner.
Consumer complaint received 2017-12-06
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: Experian Information Solutions Inc. (CT)

I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting XXXX it 's not mines I ca n't utilize that service in my area, Experian and XXXX are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX now XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Brelvis Consulting, LLC (TX)

Spoke with a agent with student loan hrlp center about consolidating my loans to get them paid. In doing so i was not aware of them being a third party lender. So i asked them to cancel it and they would not. While going back and fourth with them i filled out an application with XXXX and it was a way better program. My first payment will be on XXXX. But this third party lender has taking payment in which i did not authorize.
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

I am having a problem with TD Bank. They have charged XXXX of my account for overdraft of another account after I asked them to shut the account off. They shut both accounts off then charged the opened account over {$1800.00} to fund the other account. The fees are continuous triple charges for the same charges. I have not received help from the branches and been on the phone for numerous hours just waiting to talk to someone with no help at all.
Consumer complaint received 2017-01-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo home bank has securitized my mortgage and stolen money from my escrow account and owes me funds that was never applied to my account. They have also created multiple accounts in my name. The original servicer was ASC and is Now Wells Fargo Home Bank with a different fraudulent account number. I want full accounting and disclosure on Loan. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST I am writing to you to dispute the accounting and servicing of my mortgage, and to inform you of my need for additional information regarding various charges, credits, debits, transactions, reversals, actions, payments, analyses, and records related to the servicing of my loan from its origination to date. To date, the documents and information you have sent me, and the conversations with your service representatives, have not answered my questions. 

Because of concerns regarding predatory lending, I am disputing the validity of the current debt you claim I owe, including, without limitation, the principal balance, calculated monthly payment, calculated escrow payment, and any fees claimed to be owed and any trust or entity you may represent or service. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (CA)

On XX/XX/XXXX I took out an installment loan with CashNet USAfor XXXX. This was done over the internet. Payments would be XXXX a month x XXXX payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. 
One month later XXXX was due on XXXX/XXXX/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and XXXX to principle. Next payment before due contacted 5 times before due date, harassing me. 

Even though I had not defaulted they were always threatening me. I look them up on their website, and found CashnetUSA is not licensed for installment Loans in California, only payday loans. My agreement with them was an installment loan.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have two credit cards with Bank of America. I made two payoffs on Monday XX/XX/XXXX which usually post the next business day. I went online to ensure those payments hit my bank account I did not see the payments post. I called Bank of America Credit Card customer service and said I do not see these payments posting and they told me they do not see these payments being scheduled on either account. I asked the rep on Tuesday the XX/XX/XXXX are you sure and he assured me no pending payments were completed and said it may have not gone through. He suggested I make the payments again. Today I come into work and check my account to see if those payments were posted and they posted not only the two they said they did not see, but the ones I paid yesterday. I am now overdrawn and my mortgage and car payments etc are in jeopardy of being returned. I called XXXX XXXX XXXX at XXXX and he said they can not do anything and the earliest I they could credit me is three days. I called back and asked to speak to a manager they said it would take 5 days and said they could only give me refunds for all my trouble if my checking account is with BofA which it is not. I asked to get a address or phone for complaints to the office of the president and he said they do not give that information and I need to go look online. The floor manager never came on the line but relayed the information through the rep which was very humiliating. I am out almost 6k and they see the large credits on my credit card account but refuse to make me whole.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (SC)

I received a Promotional mailing from Synchrony Financial for my Synchrony Home credit card stating that I would earn {$150.00} cash back on a purchase of {$1400.00} or more with my Home Credit Card on purchases made before XXXX XXXX, XXXX. I made such a purchase at XXXX XXXX XXXX for furniture in the amount of {$1800.00} on XXXX XXXX, XXXX. When I contacted Synchrony in XXXX about the promotional credit I was informed by them that they " posted '' my purchase on XXXX XXXX, XXXX, ( one day after promotional ended of course ) and therefore I am not eligible for the {$150.00} credit. Purely fraudulent in my view.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 2017-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (ME)

I have an account through XXXX XXXX for a store credit card. In XXXX, my total balance due on the account was {$75.00}, due on XXXX/XXXX/XXXX. I paid that total amount due of {$75.00} on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I received notification through a credit monitoring service that I have that something had been reported on my credit report. I discovered that XXXX XXXX reported my account as being delinquent. I called XXXX. The first person I spoke to said that my account had been charged a finance charge after my XXXX payment, but it was an error and the account would be put back to a zero balance. I said that my main concern was that this has now been reported on my credit report. He said he did n't know what I could do about that other than contacting the credit bureau, but he would transfer me to their customer service department. The gentleman in customer service told me that the previous gentleman had misinformed me. He said there was no error on my account, and that I was charged " trailing interest ''. He said that they can charge this additional interest even if the account is paid in full by the due date because this is their new way of calculating interest. I said there is no way that they can charge interest on a balance of zero dollars. He said that in light of the situation, he would attempt to have this removed from my credit report, but it would take at least 35 days and there 's nothing he can do about that. He said that I should be receiving something in the mail to document it. In addition to them charging me interest on a XXXX balance, I went back through my emails, which is how I receive all my communication regarding this account, and I have never received a single email from XXXX stating that I had a balance due, a past due balance, or that my account was in a delinquent status. I receive emails from them about every other kind of activity on my account, so I find it odd and unsettling that I received no notification of this situation.
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NC)

For many years my husband and I have struggled with our credit - we lost our house in XXXX due to an outrageous ARM loan, moved a couple of times before getting settled, lost a job, etc. -- all while raising XXXX children. When the oldest wanted a vehicle of her own to drivXXXX, which would help me out with the other XXXX kids, we went to a small lot and purchased a two year old vehicle with some cosmetic damage, but it was perfect for her first car. Credit Acceptance Corp was the only company who would finance me, alone, for that car. After paying {$1500.00} down and agreeing to {$400.00} a month car payments, we took possession. Ten months later, the dang thing has been repossessed three times. They were taking the payments every two weeks after the first repossession, and then I lost my job and the payment was returned one time. They kept trying every day to take that from my checking account, and it caused a " decline '' fee each time. Once I realized it, I contacted them to tell them to please stop trying and I 'd pay a different way. I made a payment, but apparently, that did n't catch me up because although biweekly payments were resumed for several months, at an amount they indicated was to cover the repo fees, they came and snatched the car again from my driveway. Once I realized it, I called them and they said it would be {$850.00} to recover it ( AGAIN ). They said I could pay {$250.00} by XXXX XXXX and the balance by XXXX XXXX, but would also owe the payments that would have come due over the time period they had it. Then I had to go through a nightmare with the repo company ( which are not regulated in NC ) just to get personal belongings back. They informed me the car has already gone " to auction '' so what is the point of me trying to get it back? After reading hundreds of complaints on the internet, I realize I am not alone. Although there have been numerous class action lawsuits filed against these folks, I would n't be able to afford to pursue such action. So now I am without that car and from what I read, I 'll have to file for bankruptcy just to get rid of these people because consumers are reporting that they are vicious in every aspect of the car loan industry. Someone needs to investigate and help the consumers who are only trying to get out of their situation. It is bad enough to have to pay almost 30 % interest on a XXXX used car, but their collection practices are out of control. I feel completely frustrated and violated.
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I WAS IN NEGIOATION WITH WELLS FARGO CONCERNING A LOAN MODFICATION AND MY HOUSE WAS SOLD. I SENT IN ALL THE PAPER WORK THEY WANTED BUT I KEPT GETTING DIFFRENT HOME PRESERVATION PEOPLE EVERYTIME IT WOULD BE A DIFFRENT ONE AND THEY KEPT SAYING THEY DIDNT HAVE THE RIGHT PAPERWORK I INLISTED COMMUNITY ACTION TO XXXX ME AND WAS TOLD THAT THEY DIDNT SEND ANY PAPER WORK WHICH WAS NOT TRUE THEN THEY SOLD THE HOME ON XXXX2016 AND I THOUGHT THE SALE WAS THE XXXX I KEPT CALLING WELLS FARGO AND NO ONE WAS RETIURNING MY CALLS WELLS FARGO IN MY CASE DID NOT GIVE ME THE PROPER HELP IN PRESERVING MY HOME I BELIVE THEY JUST WANTED IT BACK
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I first heard that something went into collections, the first thing I did was dispute it with Experian, 1st one was denied, and I tried 2 more times to only get same response, after I spent explaining my situation, sent documents, only to have them gave me the same outcome, its like their not acknowledging the documentation, or anything. I spoke to XXXX so many times, to where they do t want to resolve the issue, like i said before the policy was started in early XXXX. There were XXXX claims filed, due to mechanical issues that I thought were covered. I later learned that mechanical breakdowns were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was front end damage and also damage underneath the XXXX XXXX XXXX. The extensive damage was documented and an assessment at a local dealership was performed. The XXXX stated that there were aftermarket parts on the vehicle, which XXXX would not cover. There were never any aftermarket parts added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a BBB complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over XXXX months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. My Car WASNT DRIVABLE, hence why I cancel the insurance, and was going to cancelled my policy in XXXX for no reasoning, so if I would pay the money, if would of been no point, and that I was up to date with my XXXX payments.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NV)

On XXXX XXXX 2016, I lifted my credit freeze successfully by internet, with XXXX and XXXX. Per the credit bureaus policy, we were required to pay {$10.00} to each bureau to do a temporary lift from XXXX XXXX to XXXX XXXX 2016. Now : I then tried to lift my credit freeze with XXXX by internet and the website stated to contact XXXX. I figured that I did something wrong so I tried three times. Each time I submitted the request, XXXX denied my lift request stating that I need to contact XXXX. On XXXX XXXX 2016, I contacted XXXX and explained the issue. They transferred me over to a representative to handle my request. On XXXX XXXX 2016, I checked my bank account online and found that XXXX charged my debit card XXXX times in the amount of {$10.00} each, a total of {$40.00} and was pending on XXXX XXXX 2016. On XXXX XXXX 2016, I contacted XXXX an notified them of what had occurred. They stated that I need to speak with personal solutions. The representative then transferred me. At XXXX, I left a detailed message with XXXX personal solutions and requested them to call me. As of XXXX XXXX 2016, XXXX failed to contact me regarding the XXXX charges that I did not authorize. On XXXX XXXX 2016, I rechecked our bank account online and found that Wells Fargo Bank N/A has now changed our statement to reflect that XXXX charged our debit card XXXX {$10.00} payments on XXXX XXXX 2016 instead of XXXX XXXX as documentation reflects. On XXXX XXXX 2016 at XXXX, I contacted Wells Fargo Bank and filed a complaint, claim # XXXX. I complained about the XXXX extra charges from XXXX that were not authorized and that Wells Fargo changed our bank statement postings. On XXXX XXXX, these charges were pending transactions. Then Wells Fargo changed these transactions to XXXX XXXX reflecting pending transactions. The question is, did XXXX commit fraud by over charging us? Also, why did Wells Fargo Bank change our pending transaction dates? We have a printout of our account on XXXX XXXX and XXXX XXXX 2016 for documentation! Willing to provide the documentation if needed!
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc. (TX)

On XX/XX/year> I went to Conns located on XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
I purchase a washer for {$600.00}, with sales man XXXX XXXX. XXXX tried to get me into a credit card for {$3000.00}. I told him " I do not want to be put into a line of credit, I do not want a credit card. I want to do this purchase by the term. '' He told me that was fine, and stated " XXXX XXXX approved you for the Credit Card but we can sign you up for a loan with Conns instead ''. I asked him twice to clarify I was signing up for a loan not a credit card. He said yes. 

Today I am trying to make my first payment and find out I have a credit card with XXXX XXXX  for {$3000.00}. I don't even have a card, card number or even know my interest rate. Conns did not send me or give me any information in regards to my purchase or how to make a payment. I went to the store and informed the manager XXXX XXXX about my situation and told them they needed to fix this because I did not ask for a credit card. She stated " there is not anything we can do to fix this, plus we are going out of business ''. I was very upset with this response. They did not care and took advantage of what information I gave them. When I called another store and asked to speak with a store manager I was told from the agent over the phone. " I can let my manager know but we are all out of a job soon anyways so there is not much we can do for you, call XXXX and ask if they can help you ''. 

I need this to be fixed, I did not approve a credit card under my name for {$3000.00}. I was told I was going to be doing a 12 month loan.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Secure Capital Management, Inc. (FL)

On XX/XX/XXXX around XXXX PM eastern time I received a call at my place of business/employer from a man name XXXX from Secure Capital Management advising that he is calling to collect debt or a court judgment will be place on my behalf. XXXX XXXX from Capital Secure Management stated I owe {$1700.00}. He stated XXXX XXXX XXXX is taking legal actions on my behalf due to me financing furniture with a mattress company in XXXX, FL. I asked XXXX XXXX if he can give me more information because I was never aware that I owed XXXX XXXX XXXX money. He proceeded to say I dont know, I am just calling because your file was forwarded to us and we have to take action I informed XXXX if this is true this XXXX XXXX XXXX needs to be investigated because when I financed with them back in XXXX I authorized XXXX XXXX XXXX to have my account set up for automatic payments monthly, XXXX then advised me that only XXXX payment was received and the rest of the payments could have bounced back due to low balance on my bank account. I informed XXXX that if this was true why I didnt receive a call from XXXX XXXX XXXX advising me of this issue. I explained to him I never got a phone call from them or a letter advising me of this. He then stated He doesnt know why this wasnt done on their behalfs then attempted to work out payment plan with me and was very adamant that I have my debit card on file with him even though I advised him I am unable to make a payment until Friday, XX/XX/XXXX. He stated he will not charge my account until Friday XX/XX/XXXX, but he needs to have it in file to start the process. I informed him I can not do that and requested he contact me today XX/XX/XXXX at XXXX ( XXXX ) to discuss this further. 

I am aware of my rights and aware that contacting my place of business or employer to collect a debt from XXXX is ILLEGAL.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I am XXXX and have applied for verses financial loans which have been declined because of incorrect information reported on my credit report, such as delinquencies, derogatory reports, and collections which not correct. I have many accounts placed on my credit report, that are not mine which I have disputed many times. This report is Equifax based out of XXXX Ga., address XXXX Ga XXXX. I would appreciate a full investigation with an identity theft inqiuryXXXX XXXXXXXX XXXX PA XXXXXXXXXXXX