davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

capit al one 360 has close d my checking account ending  XXXX  without giving me any reasons or communications. They also refuse to release the fund of {$3000.00} in that account, claiming that the originating bank of those fund has to pull those back, which is absurd and virtually not possible for me as a consumer to realize.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MI)

On  X/XX/2017    a complete Loss mitigation package was submitted to the lender - On  XX/XX/2017    the package was denied review due to a sale date being 9 days away. The loan modification package was then sent to the lender again on  X/X/17    - The sale date was postponed until  X/X/17    - again on  X/XX/17    we were advised the package was not received so it was refaxed again for review - We feel that the lender is still refusing to review this clients file and docs being submitted since they were received initially on  X/X/17    and denied due to a sale date - the lender has failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i  ).
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (LA)

In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The date of last activity is incorrect on a XXXX collection account. The date of last activity was to be XX/XX/XXXX however it was somehow updated to XX/XX/XXXX. I have tried to correct this error repeatedly since this is the single issue that stands in the way of me and home ownership. I have now received a letter from XXXX telling me that any inquiry will cause the date of last activity to be updated. I would like to know if this is true. That being the case, any further attempt by me to get this information corrected would simply put me further and further behind at every attempt. I can not express how frustrating this is in that we can not purchase a home in the foreseeable future due to a mistake that I can not get anyone to correct. And, if I understand the letter from XXXX correctly, any future attempt would hurt me further. XXXX claims that they contacted Equifax but they declined to correct the information. I served our country honorably for many years and want to take advantage of my VA benefits to purchase a home. Any further guidance and assistance would be greatly appreciated.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

I found a listing on XXXX for a XXXX XXXX. I contacted the seller and was asked to pay through XXXX. I agreed after receiving an invoice to send the payment through XXXX. I sent the {$200.00} dollars and shortly after was blocked on XXXX and the phone number I was given to communicate with. That same phone number was used to send the money through XXXX along with multiple emails and accounts.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I purchased vehicle in XXXX of 2017 through XXXX XXXX XXXX. I changed insurance company XX/XX/2017.and at the end of XXXX I cancelled my old policy with XXXX and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. XXXX XXXX XXXX contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.
Consumer complaint received 2019-05-30
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. (TX)

Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP (NY)

I forgot to mention the financial person.left me and took my lease paper work. ..which.showed.the amount of the car. I believe he told the bank the real amount of the car. So he can get a commission. Because when I seen him he said this car is XXXX.so that might.be the mole he is the financial person in XXXX mall on XXXX XXXX.I believe he is the thief. But US bank should know and the people in XXXX this car was leased already. U can not sell it for the same price like I just came too buy it. .so there is something going on. And I really hope something is done. I'm not the only one. THANK YOU
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (NE)

After calling and confirming that  Barclays  was waving fees for military members, I applied and was approved for the  XXXX   XXXX   XXXX . Shortly after I recieved a statement from  Barclay  's confirming my annual fee would be waived along with a reduction in my apr to 0  %. One year later, Barclay 's has come  out saying this will no longer be the case, and that I will be responsible for the annual fee of the  card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implication s only after being told that the conditions would remain the same " as long as I remained on  XXXX   XXXX . '' I have been and will continue to be on  XXXX   XXXX  for the foreseeable future. As I am continuing to meet my obligation under the original terms, I woul d ask that Barclay 's  honor their original agreement with me.
Consumer complaint received 2023-07-18
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. (NV)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-03-10
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 (CA)

For the past several months I have come to learn that Capital One has been hiding/misleading I and possibly every other union member ( XXXX ) regarding Balance Transfer offers and fees. They have blatantly refused to honor the terms and conditions of their own terms and agreements provided with our accounts. 

For each of my credit cards, one business and the other consumer, I have a standing offer to execute a Balance Transfer at the current market APR % rate without a transaction fee. This is not a promotional offer, and can be opted for use at anytime of my choosing. 

However, whenever I attempt to execute a balance transfer online, the transaction ( s ) fail, thus forcing me to call into Capital One to process the transaction over the phone. 

My call is usually routed to a foreign country where the agent 's accent is very thick and the person rambles through the disclosures in the hopes I won't notice the fact my balance transfer now gone from {$0.00} to 3 % of the amount being transferred. 

Whenever I question this hidden fee, which again had not been disclosed within my original offer, the agent begins repeating the same canned response over and over, stating that there are no other Balance Transfer offers on my account. 
Which of course would not be true, because I would be looking directly at the terms and conditions of my offer in real time within the dashboard of my account, which again states a NO FEE per transaction offer.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

This is about Wells Fargo Bank. 

I opened a New Saving account and the first interest paid is NOT correct. I contacted the bank over 5 times and spent OVER 6 hours starting with regular support then sent to the Executive Office to correct this problem and credit me the additional interest. Not one person knows how to calculate interest manually or actually say how many days interest I was owed. I am an XXXX-XXXX and was the head of different departments so I know how to calculate interest on accounts ( DRF ). Time after time I tried to explain the process but no one, not even the Executive Office, would listen. They wouldn't even let me know what they was entering into their computer to even check the calculations. They kept putting me on hold and supposedly asking someone else for help. They even put me on hold and NEVER came back to the phone even though I asked them to call me back of we got disconnected. I always asked if my call was being recorded because I wanted a record of ALL of my calls. The always said yes. One Executive Office person even said interest does NOT start earning until the next day. Now that is DEFINITELY WRONG. The last person I talked to in the Executive Office said I was NOT getting the additional interest because they paid me the correct amount. I asked her how they calculated it and she would NOT explain it to me because she didn't even know how since it was all computerized. I even XXXX and did XXXX XXXX of new products when I was a XXXX  to be sure EVER aspect was correct. Wells Fargo has to be doing this to EVER NEW account with new money and that has to be MILLIONS of dollars in interest NOT being paid to new customer depositing NEW MONEY and maybe existing funds. My few dollars is owed to me but my concerns is that thousands of customer are, I am sure, being shorted interest.
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (NJ)

In XX/XX/XXXX, my wife 's mortgage loan with XXXX was sold to Caliber Home Loans beginning in XX/XX/XXXX. Our issues with the sale of our mortgage are many beginning with XXXX. Their claim was that our payments were late even though our payments were sent return receipt requested showing payments arrived on time. XXXX began returning our payments and threatening foreclosure even though we had a agreement from one of their representatives to fix so called problems. In any case the loan was sold. My wife has since passed away ( XX/XX/XXXX ) and I as her executor and beneficiary I have beentrying without success to get any reasonable or knowledgeable responses from Caliber Home Loans. They are as follows ; 1 ) We had a modification in XX/XX/XXXX with XXXX and with the contracts mandated for my wife to sign was a life insurance policy for the principle of the loan. With the sale of the loan to Caliber, which we were never given a notice of, this life insurance policy disappeared and were never given the choice of continuing on with the policy. XXXX was the beneficiary of the policy and XXXX paid for the policy through our mortgage. The mortgage was bought by XXXX who has changed the loan with no agreement from us. 
2 ) We have tried to get an explanation and accounting of how this mortgage grew from {$200000.00} to XXXX. Enclosed is a copy of the last XXXX statement and the first Caliber statement. 
3 ) Enclosed is a copy of the modification that Caliber has given me 15 days to sign even though I have repeatedly requested this information. We are willing to continue to make payments while this issue is being resolved. 

This could all be resolved if I did not keep getting different answers from everyone I communicate with.
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

XX/XX/XXXX, I filed a dispute on a 1 account through XXXX. The account is owned by a debt collector, who also owns another account with me. Both accounts paid off. I only have an issue with one of the account, which is a XXXX ( original creditor ). On XX/XX/XXXX, after speaking with XXXX, I contacted the debt collectors to set up a automatic payment to be schedule out of my personal bank account on XX/XX/XXXX. XX/XX/XXXX, the debt collectors received my dispute notice. XX/XX/XXXX, they took the money out of my account. I was told by the debt collector they do n't accept payments on disputed account, but because I set it up to be taken out before they received the dispute notice, they still took the money. although, they could 've canceled the automatic payment before XX/XX/XXXX. I was never told that they received the dispute notice, until the dispute was settle through XXXX ( original creditor ). I did n't have a problem with it, because I figured once the dispute was won in my favor they 'll refund the money back. on XX/XX/XXXX, I received a letter from XXXX ( original creditor ) stating " the investigation was completed, and the claim has been resolved in my favor. I contacted the debt collector to let them know, and they wanted proof. I faxed the letter after being told a number of different things to do from many different representatives. on XX/XX/2017, I finally get a letter regarding my dispute and it stated that the believe their information is correct according to the information received from XXXX ( original creditor ), and they 'll need a police report to further process my dispute. They never contacted XXXX ( original creditor ) for recent information regarding the dispute. long story short, they 're giving me an extremely difficult time with refunding my money and verifying XXXX ( original creditor ) information on the disputed being won in my favor. I been told lies, contradictions, and questioning me on why I paid a disputed account. There is so much more information that was wrongfully said by there representatives. I am currently waiting for all recorded conversations and information regarding myself.
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (TX)

I have tried since XX/XX/2017 to have XXXX, Equifax & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?
Consumer complaint received 2019-05-30
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc. (GA)

I was contacted by Caliber Home loans associate named XXXX in the re-finance department she wanted to go over some options for a possible refinance she told me that she would just be Checking rates to see if it was possible to lower my payment I asked her twice if she would be pulling my credit report report and she said No because is not needed to check rates I know that to be true because I spoke with XXXX XXXX XXXX XXXX and did the same thing and they did not pull my credit. she never once stated or ask me for my permission to pull my credit report I woke up this morning on XX/XX/2019 and my credit report has been pulled a Caliber Home Loans without my consent. I know thats against  CFPB rules
Consumer complaint received 2019-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

I have XXXX sets of loans with Navient. I have stafford loans and signature loans. I have been paying on both for quite some time. Navient promises to remove late pays and fees on the account and has not removed them on the account. Recently I was told that I would be current on my loans if I made additional payments yet my balance has not moved and all that can be seen on the account is that a payment was received. The payment was taken from my bank account within 24 hours. 
I have a issue with loans that I acquired for XXXX in XXXX school it is as if I am paying for loans that the school supposedly returned back to Sallie Mae which is now Navient. I think Navient is set to make buying a home and car affordable for any individual by adding fees and keeping loans on the account that were returned by the school. Something is not adding up. I have loans that are stafford loans ( XXXX through XXXX from XXXX however XXXX states that they returned the money back to Sallie Mae and I still have like I owe for those loans ) I supposedly owe XXXX for {$10000.00} that should have came back to Sallie Mae yet online says I owe it to Navient. 
When I call to inquire about my account the rep states that my account online is handled by a third party when it should be accurate and up to date information. Someone should investigate Navient for several reasons : debt accrued in school does not guarantee a job, I can not purchase a home because they refuse to send me a statement that would show what my loan payments would look like indefinite payment. Borrowing money has been my biggest downfall in life because I can not afford to buy a home. However, Navient is stealing money from people who are trying to pay the loans and not applying the money accurately to my account. I think they just come up with payment plans to keep you in debt forever. The rep told me to call in three days to see if my payment would be placed correctly on my account and it has not yet to this day. They still have me in the negative and being behind when I overpaid the three required payments that were supposed to bring me up to date.
Consumer complaint received 2019-05-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC (UT)

Week of XX/XX/XXXX, contacted at work. Asked them not to call my job. 
Week of XX/XX/XXXX, again contacted at work. Told them I have already asked them not to call at work, gave them my cell number to contact after business hours. 
XX/XX/XXXX, contacted by cell at XXXX Again at XXXX Right again after at XXXX And again at XXXX, at which point I answered and told them I couldnt answer at work or Id get in trouble. 
XXXX said shes already tried that and if I dont talk to her they will send my documents to my job for garnishment. I told her I couldnt talk at work or I wouldnt have a check to garnish.