davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (MD)

I was pre-approved for a home loan by TD bank by XXXX XXXX their loan officer. I proceeded to look for a home with my realtor and when we finally found XXXX and our offer was accepted it was about XXXX dollars less than what the bank offered to us. During the process we were required to pay for the appraisal and inspection for the home. We also gave the bank our deposit. They gave us a conditional approval letter which I believed was unfair since it requested to pay for a cosigned student loans that were not mine. When they realized that and requested the documentation of that it was indeed a cosigned loan, i provided all documentation they asked for. I also did everything else they asked for like taking the home owner class and opening an account with TD bank. After verifying income and employment again and calling my job requesting the same paper work from them again, even pulling me out of meetings, I was told over the phone by XXXX XXXX and my realtor was also informed as well that " I have the house ''. There were multiple closing dates that were moved for XXXX reason or another but as we were guaranteed to move into closing I had given my current apartment notice that they required before I vacate my apartment.The closing was supposed to happen in 2 days and I hadto be out of my apartment in a week when I get a call from XXXX XXXX that I do n't have the loan because they do n't like the amount of hours I 'm working. To me this is crazy because the information about my work they had since day XXXX almost 3 months ago. To waist my time, money and energy and cause extreme emotional distresssince I was left homeless to scramble to find a place to live in a week. That call was the last time I heard from them with no real explanation and its been 2 weeks with no official letter or call. There is no justification is to mislead and discriminate against me claiming information you had from the beginning about my income which was obviously enough to get me the pre approval along with my credit and to even call and tell me that I have the loan as well as my realtor. To lie to me, give me false hope which i made decision based on and that concern my life and my family 's on is horrific! To be at the finish line and to pull the rug out from under me is a disgrace!. I believe that their decision was based on the fact that I am a Woman and a minority. There is no justification to excuse what TD bank has given. They should be refunding every expense that I had to make with regards to this messy situation, our deposit, the appraisal which we never got the report from them on, the inspections, the moving expenses and the realors fees etc. I am out of a place to live which I loved. TD bank needs to do whats right for what they did. Shame on them.
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Kohn Law Firm S.C. (WI)

the Kohn Law Firm at XXXX WI XXXX, has many attorneys, I sent a written cease of communication notice, because I do not deal with 3rd party collection agencies. the 1st atty sent me a fake summons to a real court, I found out it was fake when I contacted the court they did not know anything about it. Then the next atty ( I assume XXXX all I have is the name XXXX on my answering machine ; that calls me once a day for the last few days. I sent each attorney written cease of communication notice. I guess they r pretending that they did not receive them because I did not send them certified mail.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Started having mechanic issues with the vehicle and I have been unable to pay for the repairs and keep the vehicle. I would like have my payments reduced & modified. My payment is currently {$480.00}. I do want to retain ownership my XXXX vehicle.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MO)

XXXX is reporting that I have two outstanding loan balances through Department of Education-Nelnet as of  XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter Nelnet was able to give me ) and my StudentDataDocument from the XXXX XXXX XXXX XXXX XXXX - both showing I have a XXXX balance for all my student loan accounts. 

XXXX  has denied both my disputes saying the information being reported is correct. They have documentation showing Nelnet " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, Nelnet, they are showing they have not reported anything to XXXX  since XX/XX/XXXX. 

When I call XXXX they say that Nelnet is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if XXXX is wrong or Nelnet is wrong but the information being reported on my XXXX  credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called XXXX and Nelnet multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They keep calling my company 's office line and hanging up. When called back, they say they are not calling us, agree that we do not have a debt with them, but say they do not use a do-not-call list and will not stop calls to our office phone ( which they also say aren't happening ). They have called us multiple times per week and it is tying up our line from important calls from clients.
Consumer complaint received 2018-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizen Bank transferred the servicing of our four year old  HELOC to Citizen One Home Loans effective XXXX, 2018. This is a 5 % simple interest loan with monthly minimum principal and interest payment of {$920.00}. The interest amount varies monthly based on the principal balance and days between payments with the remainder of payment applied to principal. Citizen One has twice applied the timely {$920.00} payment as interest only. I have spoken to XXXX, XXXX and XXXX in customer service department three different days over the las few weeks, to no resolve.
Consumer complaint received 2018-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NM)

I started a loan with a company called Springleaf Financial LLC over here in XXXX, NM. That company is now Onemain Financial. The loan was for around {$10000.00} and was meant as a consolidation to my credit cards. I was mislead into believing an account worth {$1200.00} was consolidated in the amount by the associate who had me signing the papers. I asked her why I didnt receive a check for that company, and I was told that it would come after 3 months of on time payments. So after 3 months of on time payments I call to see what is going on and I was told that they could look into refinancing but that the terms of my loan did not include that account. They specifically then told me I should have read it closer. I insisted that the representative even talked to her manager and came back to tell me that information. I then signed the contract and took the checks they offered me. If I had known that it wouldnt have included that account, I wouldnt have consolidated, and it ended up putting me in a rough financial spot. I had asked for a supervisor to call me back, but I never got a return call. I didnt know about UDAAP until recently when I realized I was mislead and could take action against them. I obtained the loan in XXXX but the earliest statement their website lets me access is from XX/XX/XXXX which I have uploaded. I will work towards finding the entire agreement so I may send it in ; however, Im sure based on my statement you will be able to find the account this is in reference to and the signatures of the Springleaf representative and manager that mislead me. In addition, when they called to collect their payment on XX/XX/XXXX I wasnt informed there was a return payment or return payment fee on my account, nor did she give me the option of paying it. Im very concerned about this company and have no trust in them anymore.
Consumer complaint received 2018-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I started my permanent modification payments of {$1100.00} with well fargo on XX/XX/XXXX. They did and escrow analysis in XX/XX/XXXX starting with the XX/XX/XXXX payments and never credited the payments made in XXXX, XXXX and XXXX therw for my escrow came up very short the same in XXXX they 4an an anlysis for a year and a half and escrow was short again. In XXXX of XXXX I started dealing with them as far as reasearch and i kept being told they they i still researching this during this time they accepted the lower payment until XXXX and in XX/XX/XXXX we were served with forclosure papers. I advised them our homeowners insurance and taxes were lowered and asjed them to reanalyze the escrow in XX/XX/XXXX, they refused at this point we are trying to modify the loan again because we cant afford the XXXX payment due to all the escrow shortages they are charging us for and now as of XX/XX/XXXX WellsFargo is transferring our loan serving to XXXX.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened this XXXX account XX/XX/XXXX. They are missing my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements. I have not missed a payment on this card and the majority of the time it is ; aid in full. I have requested multiple credit line increases and have been denied every time. My credit line is {$300.00}. On XX/XX/XXXX i received a letter stating that i would not receive an increase because a payment on this capital one account was recently returned i assume they are referring to my XXXX XXXX account that was shut down due to id theft. XXXX XXXX XXXX XXXXXX/XX/XXXX, i received a letter stating that i will not receive an increase because There are too many missed minimum payments in recent history Presence of a revolving account charged off by a lender Presence of an account that is seriously delinquent or derogatory There have been too many recent inquiries This is not true and how could this have possibly happened within one months time? They claim they are getting the report from XXXX yet my XXXX report does not show any of this. Why are the reasons getting worse as my credit is getting better? They tell me there is nothing they can do because a computer decides.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had a bad stay at an XXXX  vacation rental ( extremely unsafe environment and harassment from the host so we had to leave early ) and asked for refund. They initially ignored my request and so I disputed the charges with my Capital One card. 

After reviewing the case, XXXX agreed I was due a full refund and so issued my refund back to the Capital One card I paid with. Capital One refuses to apply the refund to my account. XXXX confirmed they issued the refunds on XX/XX/XXXX and provided payment codes as proof. Even after providing the payment codes to Capital One, they refuse to apply the {$1700.00} refund back to my card and so have effectively stolen that money from me. I need assistance from the CFPB to get Capital One to apply the money XXXX has given them back to my account instead of stealing it. 

XXXX has been very helpful here. Capital One has NOT. I have filed multiple disputes on the charges to Capital One, and sent multiple correspondences to them that go completely ignored. They return to me generic form letters that do not address my issue at all.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to the fair credit reporting act and found that you are illegally reporting fraudulent/inaccurate information about. The following alleged account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, there are numerous, fraudulent, and unauthorized hard inquiries reporting on my credit. The following unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This is a violation of the FCRA and is also in violation of requisite metro 2 compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and metro 2 reporting requirements.

Attached is a copy of FTC report Respectfully, XXXX
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Orion Portfolio Services, LLC (TX)

I have disputed this debt and I have formally requested validation and they refuse to comply with the law. They responded saying that they sent me information on XX/XX/21 and again that is not validation of debt. I want this account closed, because I have not agreed to do business with them under any circumstance. I have not signed a contract with XXXX XXXX XXXX or Orion Portfolio Services LLC.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (NJ)

i had a Cash App card had XXXX deposited someone tried taking out XXXX i was not aware of. Cash app locked my account on XX/XX/XXXX. i closed or old card got a new one they said everything would carry over, it did not happen. I after month and a half after sending at least 75 E-MAILS because they have no phone support a XXXX said they are working on it and four days ago a XXXX at cash app asked for all my info to merge accounts now they are not responding to me at all. i had to goto XXXX too get an actual response. i am in such a mess because of then holding my money what it seems like HOSTAGE and i see I'm not the only one. PLEASE HELP ME
Consumer complaint received 2023-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

My PayPal is XXXX For the last week, Ive had my time wasted on the phone with PayPal. First my money was on hold for 10 days. Then once it was available, it made me send a photo of my ID and SSN to verify my account. It took me hours to do so. Then, once my account was ALREADY ID VERIFIED, when I tried to withdraw my money it asked me to scan a photo of my ID and take a selfie of my face so they could match them together.

I did this in a well lit room and it was green lit and said it was supposed to be ok. Then it failed to match my face with the id. I was furious when I called back PayPal and they told me I would be locked out for 72 hours, and then I would have to try again. I asked them if it could be overridden since I ALREADY VERIFIED MY ACCOUNT and CLEARLY HAVE ACCESS TO IT, and they told me I would have to wait 72 and try again. I asked them what I could do if it didnt work, and they told me I had to wait another 72 hours and try AGAIN. I was absolutely livid, because I know its NOT gon na work, since it didnt work the first time and I did it the best way possible. PayPal automated systems are absolute garbage, and when I tried to reset my password, it would give me an error each and every time and I had to call an agent to do it manually. This is gon na be the same exact thing, I know. They cant possible tell me that someone in an ID photo is gon na facial recognition match automated when a selfie distorts the face, I look different, and an ID photo is done professionally shot. 

This is a ridiculous and convoluted system obviously put in place to make it hard for people to withdraw their money so they go ahead and use a PayPal debit card or credit card instead of being able to send it to their bank. This is absolutely disgusting and should be illegal. Not even banks ask to scan your face and an ID, and with a useless system that doenst work on top of it. Really losing my patience.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX. 
Date of Collection XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BELMONT FINANCE LLC (MS)

On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX XXXX  demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through Belmont Finance LLC to purchase the XXXX XXXX. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to Belmont Finance , LLC for credit purposes without making it clear to me as a consumer the nature of the inquiry.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NJ)

I had my existing Account without a true issue for years, recently I needed a new card issued. I asked for the card in XXXX, card was damaged/lost I asked for a replacement card XXXX, XXXX, XXXX, XXXX and XXXX. I have been promised each month the card will be sent. I can not unlock my account without the vvc code on the missing card and I have been charged for late payments when my card company has failed to send the card over the last several months. I have no way of actually tracking the day to day usage as I have no way to access the account without information on a card that I do not have. In a conversation with XXXX, a customer rep, she informed me that there were NO reissues of cards sent out since XXXX. I asked for a supervisor XXXX took the call I explained my frustration for the lack of the receipt of a new card. She said they have reissued the card but she saw no requests being filed for a card in XXXX, XXXX and in XXXX the rep *ID # XXXX never placed a request into the system for my replacement card. They did however, send me a letter stating the account was flagged to be closed for fraud, that never happened and the card also NEVER came. I have a small XXXX chargeable credit limit but the concern is IF they can not manager to reissue a card, one of the simplest of acts, my concerns are WHO are these people handling my account overseas? How secure is the company that has my information and If I did just cancel the card would i be effecting my credit adversely.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( GM Financial XXXX ), has violated several of my rights. 
15 U.S.C 1881 section 602 A. Glearty states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Il also states a consumer reporting agency can not fumish an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian is knowingly allowing XXXX to ruin my credit in order to obtain a tax credit of XXXX percent interest, well beyond the state usury limit of Florida. In doing so, Experian is helping XXXX obtain a tax credit write off of XXXX percent interest at the expense of my credit while skirting around the state of Florida usury laws in place to prevent predatory lending.