davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018.. 
I did not receive it. 
May I have a copy of the application filled out online to get this credit card?
Consumer complaint received 2018-05-31
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX client XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent Capital One account established using her information without her consent on or around XX/XX/XXXX. An official dispute of this account was sent to Capital One XX/XX/XXXX ; Capital One then made contact with my client via letter XX/XX/XXXX asking for additional information along with an affidavit for my client to complete ; which my client did comply. As of this date Capital One has not provided any updates as to the status of the investigation which is a violation of FCRA.
Consumer complaint received 2024-11-20
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. (TX)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC XXXX, I am requesting their removal within XXXX days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date Opened>> XX/XX/XXXX
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I disputed a late payment on my credit report from XX/XX/XXXX to just make sure the information was being reported accurately. Screen shot attached. Well when they replied and updated my credit report, it shows I was lateXX/XX/XXXX on XXXX and XXXX and then late XX/XX/XXXX on XXXX. But not only that, they updated my credit report with a new late payment on XX/XX/XXXX saying I was 30 days late when that is not true. I feel that they are penalizing me for disputing a late payment when that is my right per the Fair Credit Reporting Act. I attached the new late payments that they only put on after I disputed.
Consumer complaint received 2018-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (TX)

UPON CAREFUL REVIEW OF THE LOAN DETAIL SHEET, AND THE ORIGINAL LOAN APPLICATION, I NOTICED THE AMOUNT OF THE ORIGINAL LOAN AMOUNT 1 ) {$9500.00} 2 ) XXXX AND THE AMOUNTS 1 ) XXXX 2 ) XXXX ... NOTED ON THE DETAIL SHEET ARE CONFLICTING. WELLS FARGO NEEDS TO MAKE THE CORRECTION. IT IS MY BELIEF THAT THEY ARE ENGAGING IN A FRAUDULENT ACT, BY INCREASING WHAT THE ORIGINAL BALANCE AND THE CURRENT BALANCE IS ... MAKING A PROFIT OF THOUSANDS OF DOLLARS IN INTEREST PAYMENTS ALONE!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (CA)

On XX/XX/XXXX, via a debt validation letter sent by first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I requested validation from Radius Global Solutions of a debt/collection that was reported to my XXXX and XXXX reports. In addition, I then sent copy of the same debt validation letter to both XXXX and XXXX on XX/XX/XXXX via XXXX first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to notify them of my request to the collector to validate the debt. After 30-days, and still to-date, I never received confirmed validation of the debt from Radius Global Solutions in any form XXXX XXXX, thus, removed the collection from my credit report. However, XXXX has still yet to do so.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell XXXX XXXX what is exactly on my credit report. Experian is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell XXXX XXXX what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. XXXX HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

XXXX XXXX XXXX
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (WI)

I've had a mortgage with Associated Bank since XX/XX/XXXX. The last two months, XX/XX/XXXX and XX/XX/XXXX, late fees have been applied to the loan despite paying the principal and interest portions before the grace period ending. I called Associated Bank on XX/XX/XXXX and XX/XX/XXXX in an attempt to find a solution to the same problem occurring again. They said I would be required to call every month to have someone manually reverse the late fee. I asked about calling less frequently and waive multiple fees at once.

The customer care representative said she was unsure if I could do that. I then went to my local branch and talked to the Assistant Manager, XX/XX/XXXX ( spelling? ) about the same issue in an attempt to find a solution. He told me they would no longer waive the late fee unless the full payment was made by the end of the grace period.

So, despite the practice of paying the principal and interest by the XXXX  of each month for the past 12 years, I am now being told Associated Bank will do that. It appears to be retaliation for contacting them in efforts to resolve them incorrectly applying late fees.

I believe XX/XX/XXXX. XX/XX/XXXX intentionally intimidated me and was uncooperative in an attempt to punish me for complaining.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I bank at capital one 360 and I had XXXX credit cards through them as well. They have in the last two months just withdrawn first in XXXX {$170.00} and then in XXXX {$190.00}, Which I did not authorize them to do. I have called 6 times in the last few weeks to get it straightened out.However, each time i am told that it will take 5 days to send back. I then wait 5 days and nothing happens. So I call back and get the same dog and pony show as the time before. I have all the chat messages saved as well as the last phone call which i was put on hold for 30 mins and was on the phone for almost 3 hours which i talked to 6 different people and had reexplain 6 times why i was transferred, I did not authorize them to take the money and this last call she said i would not receive money back even though i have a transaction code from them ( Screen shotted from there own chat ) saying that the money was sent back to me which never happened.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX was statement closing date Balance was XXXX US. At the same statement appears Credits, Fees & Adjustments ( net ) the amount of XXXXus, ending up total new balance of the amount of XXXX. 
I was paying the last two years the payments appears in my statement. I asked numerous of times from Care Credit a written explanation regarding the interest amount but no written explanation given. 

Finally I contact the Care Credit / Synchrony bank on Thursday XX/XX/XXXX at XXXXXXXX. A  representative confirmed the validity of the amount of the medical care card and stated because I failed to pay out the full amount a XXXXUS of two years DIFERRED INTEREST was charge to my account. I explain to her the application was offered from my doctor 's office with free of interest. 

I did receive an email from Care Credit on XX/XX/XXXX increasing my previous balance of XXXX to XXXX, XXXX US more. 

I ask the the representative to help me set monthly payments of XXXXUS. 

She stated '' there is no payment plan available for you now ''. 

I had no other choice but to report the unfair and unprofessional practices of Care Credit card to the Consumer Financial Protection Bureau. 

NOTE : The Care Credit card can be used only for medical purposes. Persons like me with XXXX  XXXX isn't fair treated like that. 
NOTE : I notify the representative I will hire an attorney provide him all the documentation I have bring my case and situation in a Court of Law because the DIFERRED INTEREST CHARGES are OUTRAGEOUS.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

***** NOTE : this complaint was originally submitted to the OCC on XX/XX/XXXX. The OCC sent it to the CFPB. The CFPB accepted the complaint and assigned number XXXX and sent to Chase. On XX/XX/XXXX, I called the CFPB asking if I could attach supporting documentation and the analyst XXXX suggested he cancel the original complaint and asked me to submit a new one with the support documentation.

***** COMPLAINT : ( 1 ) Chase offered a {$200.00} bonus to open a checking account online and make a direct deposit within 60 days. ( 2 ) The ad for the promotion ( attached ) defines direct deposit as : " Direct deposits can be an ACH credit, payroll, pension or government benefits such as Social Security. '' ( 3 ) The confirmation document Chase sent me when I opened the account ( attached ) defines direct deposit as : " Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits such as Social Security from your employer or the government. '' ( 4 ) I opened the account on XX/XX/XXXX. ( 5 ) The {$500.00} electronic deposit from my paycheck was made on XX/XX/XXXX. See statement attached showing the electronic deposit. The Statement also shows in page 2 that Chase recognized the electronic deposit as a Direct Deposit.
( 6 ) On XX/XX/XXXX I contacted Chase through the secure messaging center asking about the {$200.00} bonus. They replied that the electronic deposit on XX/XX/XXXX did not meet the requirement. I replied that the {$500.00} electronic deposit was from my paycheck. I own a XXXX XXXX XXXX, XXXX XXXX XXXX. I am paid a monthly salary of {$5000.00} from the company. In XX/XX/XXXX, I requested that {$500.00} of my paycheck be deposited in my Chase checking account to meet the promotion requirement. I sent Chase copy of my Articles of Organization, IRS letter approving the classification of the company as an XXXX, and a copy of my paycheck. Today, XX/XX/XXXX, Chase replied that they are not going to honor the promotion. According to them, the {$500.00} deposit was not a direct deposit. I disagree. ***** ATTACHMENTS : ( 1 ) Copy of the ad with the terms of the promotion and defining what is considered an electronic deposit. ( 2 ) Copy of document confirming the terms of the promotion. ( 3 ) Articles of Organization for XXXX XXXX XXXX. ( 4 ) Letter from the IRS approving the classification of the company as an XXXX. ( 5 ) Copy of my paycheck. ( 6 ) Bank Statement from XXXX XXXX XXXX business checking account at XXXX XXXX XXXX XXXX showing the {$500.00} electronic deposit into my Chase Checking account on XX/XX/XXXX. ( 7 ) Bank Statement from my personal Chase checking account showing the {$500.00} electronic deposit on XX/XX/XXXX ( within the 60 days timeframe for the promotion ). Page 2 of the statement recognizes the {$500.00} as a Direct Deposit. ( 8 ) Exchange of emails with Chase Customer Service trying to resolve the issue.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Sent debt validation letter XX/XX/XXXX to Portfolio Recovery requesting that they provide me with the wet ink signature contract, purchase agreement from the previous creditor XXXX XXXX as well as a copy ( s ) of any documents that show I agreed to pay Portfolio Recovery what they say I owe. I received a generic letter back from Portfolio stating that they purchased the debt from XXXX XXXX but did not provide me with a copy of the wet ink signature contract, purchase agreement as well as any documents showing that I agreed to pay them what they say I owe. XX/XX/XXXX I received additional documents from Portfolio Recovery stating that this was their proof of validity. The documents sent is a copy of an old billing statement. Removal of this debt off of my credit is imminent due to no validation on the part of Portfolio Recovery.
Consumer complaint received 2018-05-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (NV)

In XX/XX/XXXX We applied to refinance with Bank of the west, ( our bank for 20 years. ) during the process we paid for a appraiser XXXX  that appraisal was ordered wrong and came in undervalue at XXXX. ( according to the new loan with XXXX the appraiser told me that they requested the wrong type of appraisal and they had appraised the building for 200,000.less than the current value. ) When they received the appraisal they were confident that they would do our refinance anyways since we were great customers according to XXXX XXXX. We met 2 or 3 times during the refinance process in the end they denied us saying some lame excuse that our business wasn't strong enough according to XXXX XXXX. ( Every year we have stayed steady in our income or increased even during the crash XX/XX/XXXX.. ) In fact I think they wanted time to have us follow up with their loan we currently have so they would be sure to have there messed up loan processes under wraps until it matured in XX/XX/XXXX. I wanted to refi my building now because the forecast id for interest rates to go up. XX/XX/XXXX, when moving the loan to XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX, they were 100 % in and qualified us in minutes. during the opening of escrow it took weeks to get what we needed from Bank of the west, and all the hold up at XXXX XXXX, XXXX XXXX was due to Bank of the west not filing the paperwork properly and muddying the water therefore charging me interest daily to the tune of over 4,000.plus in interest from their negligence. this is my second complaint against this out of control bank of the west, and I feel based on the fact I was immediately qualified by XXXX XXXX and told by all professionals in their field that bank of the west mishandled the appraisal and escrow they are owing my company XXXX. again this company was my bank for 20 plus years and have poor business practices that end up costing the public money.
Consumer complaint received 2018-05-30
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: EQUIFAX, INC. (CA)

I have been disputing a item on my credit profile, XXXX, I contacted that company and they provided documents of the debt with no signature. I don't recall such a debt so I want proper verification of the debt with my signature, I have a open complaint against this company and the company XXXX another collection company and Equifax. I was contacted by Equifax by letter saying that the debt is verified as belonging to me,
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MA)

My father XXXX XXXX XXXX owned the property at XXXX XXXX XXXX XXXX, MA XXXX. He passed away on XX/XX/XXXX and left no will. I worked with a lawyer to get everything turned into my name and started to begin the process of dealing with the mortgage company Nationstar ( now Mr. Cooper ) I currently reside in the house with my niece age XXXX. I had no access to accounts for my father until after his death and in XX/XX/XXXX I contacted the mortgage company to get the ball rolling on paying back debt etc. I had my fathers insurance settlement and was able to pay the mortgage at this point including the back due amount. I was unable to speak to anyone directly as they stated that they didnt have the proper paperwork. I contacted my lawyer and had her send paperwork over. Lawyer is XXXX XXXX of XXXX, MA. I was still delayed for months and in XX/XX/XXXX got a check for past due amount and mailed this over to mortgage company as someone told me to pay it and they will talk to me. That check was never cashed. I cancelled that check in XX/XX/XXXX and on XX/XX/XXXX mailed another check with amount past due. I tried repeatedly to contact this company, on hold for hours on end. I was switched to multiple agents handling my account and any direct line to them left me to a voicemail which i got no call back, EVER. It was not until XX/XX/XXXX that I was finally able to speak to someone as they didnt realize that my fathers name and my name were the same- they had the proper documentation in front of them all along. I asked what I could do as I was willing to take over the loan and apply for a modification. I asked for information to be sent and by XX/XX/XXXX still had not received documents. I got a call from a collector and was finally able to get documents needed to apply for a modification in XX/XX/XXXX and faxed them out around XX/XX/XXXX. I heard nothing back. I have received no certified mail, I just get bills with my mortgage past due owed. I am now in foreclosure and am able to make the payments but no one will work with me. My foreclosure date is set for XX/XX/XXXX. I did not even get any notification in the mail that this was happening, but rather heard from family who saw it in the paper. This company has swooped down on a XXXX mans house and I am trying to protect myself and my niece ( who is entitled to 25 % of the house. ) I just want to pay my mortgage and get back to normal, but this has become crippling to me as I have been given the runaround for over a year now.
Consumer complaint received 2018-05-30
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MI)

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a XXXX XXXX XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.
Consumer complaint received 2018-05-30
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. (IL)

About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I  replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.