davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

In XXXX previous complaint response they have used obscene language and continues to attempt to collect on this alleged debt that they have brought. They were also advised to cease and desist collection activity but are continuing conveying false and misleading information to my consumer report about this alleged debt which is beaching the cease and desist I have demanded. This company has violated my right to privacy and continues to violate my consumer rights. Attached you will find my sworn affidavit of fact with exhibits that backs this debt collector false claim.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (PA)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I also told them they knew i was unemployed at the time and should never have given me a payment like that. I called them and explained I was XXXX and on ssdi. That I was not making much money and the payment was too high. That was the first conversation and then the car was repo 'd. my father who has since passed away from XXXX took care of the payment to get it back. Because he knew I was working on trying to find a way to fix my credit or get the loan down. I hired a credit agency because at that time I was hoping to find a way to buy a small home much cheaper then my XXXX rent. I told her I had called and begged them to take the negatives off since I was caught up. she told me to get another job. ok I'm XXXX I can't. then I hired a credit repair place I told her my issue XXXX the car payments and told her they don't care they won't help she said they would. did I explain about my surgeries I said yes they don't care. she called them and said your right I am so sorry they don't care at all.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was sent a promotional offer that included the following : {$100.00} one time cash offer 1.5 % unlimited cash back 0 % intro APR on purchases until XX/XX/2023 For Capital One. 
I applied for the card and was approved, once I received the card I called to make sure I would still receive this offer and they said yes. 
I never received it and called the company to ask why and they advised me that it was not a promotional offer they had even though I kept the letter. They are engaging in deceptive marketing with consumers.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

I am an an independent XXXX XXXXXXXX working as a sole proprietor Delaware XXXX under the name XXXX XXXX XXXX. I have a client, XXXX, located in XXXX XXXX. On XX/XX/2021 I, XXXX XXXX XXXX, issued an invoice to XXXX via XXXX XXXX XXXX in the amount of {$650.00} USD. XXXX paid the invoice with an American Express card via XXXX on XX/XX/2021. 

Approximately 10 days later XXXX discovered a fraudulent transaction on their American Express account unrelated to their business with me, XXXX XXXX XXXX. According to XXXX, when they reported the fraudulent transaction to American Express, American Express without notice or authorization from XXXX, proceeded to cancel and chargeback all transactions that had be made account during the proceeding month. 

I received a notice of chargeback on the XXXX payment from XXXX on XX/XX/2021. I immediately contacted XXXX and they advised me that American Express had " the same problem with ( another vendor ) .... Amercian Express cancelled all payments without telling us. We are so sorry about this. ". 

I attached XXXX 's reassurance that the chargeback was not authorized by them to my response to XXXX however XXXX, on or about XX/XX/2021, determined that my response was insufficient to contest the chargeback and without any further notice to me, proceeded to close the case an issue a refund of the {$650.00} payment and charge me a {$35.00} dispute fee. 

So me, XXXX XXXX XXXX the seller and XXXX the buyer have, and never have had, any dispute with each other over this payment. American Express has, without the card holder 's authorization, imperiled XXXX 's business relationships and deprived me, XXXX XXXX XXXX, the seller of a duly authorized payment. 

XXXX has assured me, XXXX XXXX XXXX, since XXXX that American Express has acknowledged the problem and promised to reverse the chargeback. XXXX has advised me that American Express has in fact reinstated the charge to their account. XXXX however tells me, XXXX XXXX XXXX, that they have no notice a reversal of the chargeback and therefore the {$650.00} debit plus the {$35.00} remain on my account. 

At this point, American Express has effectively robbed both XXXX and I of lawful funds. They have caused immeasurable damage and friction between two otherwise happy businesses.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

On XXXX XX/XX/2022, I opened Business checking account with PNC bank, in-person at XXXX TX branch XXXX Ever since I opened this account, I am facing issues : 1. Signature card was not uploaded so I can not do any external transfers ( like get money into this account using ACH ) 2.I need to work close to 2-3 hours to get this resolved in next 3-4 days.

3. Now I am facing a new issues, I can not cancel my scheduled external transfer. I can reduce the amount of that transaction ( which i want to cancel ) to {$10.00} but can not cancel it. Since XXXX XX/XX/2022- I am having this issue. 
Any time call phone banking ... standard message " we are getting unusually high call volume... wait will be more than 20 minutes ... but even after 1 hour there is nobody to talk '' ... call back feature is there... but call comes after 1+ hours ... worst thing... even when you are talking to a human ... that human is totally incapable, inefficient... they can't even understand the problem... I spent close to 8+ hours on this issue. But still it can not be fixed. Branch has been told... Branch arranged a call but when i called that person... going to voice mail. 

Information team has been highly incapable backed up by totally useless customer service. Customer is feeling hopeless... 

These are the basics of banking... credit and debit from account and PNC is totally clueless. I am very busy and simply just can't keep on following. Today I got a callback from XXXX from PNC ... customer service from PNC feels as if they are doing a favor by talking to the customer. She told me that i can not see what you are doing and i can not simulate it also ... .numerous transfers here and there... but issue not getting resolved. 

XXXX support is more hopeless than phone support. 
Tried various browsers and mobile app - no luck in terms of cancelling the scheduled transfers.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I have XXXX CITI Cards- XXXX for XXXX XXXX and the other for XXXX. Recently they lowered my credit limits on both cards to the point of where my credit cards were now right at their limits. What this means for me is that when they add their interest, each time it takes me OVER the new credit limits they moved me to and are reporting that action to the credit bureaus!!! Up until now I have been making my payments on these cards, true a few may have been late but they were paid inside the same month. I was furloughed for over a year and continued to pay them without asking for any type of recovery or forbearance. 
This appears to be a very unprofessional way to do business and my credit rating is suffering because of it. Until now I have been over XXXX for years and for the first time have dropped below that level due to this hidden money making scheme by CITI. 
Due to this I am in the process of having to take out a Home Equity line of credit to protect my credit. The good news if there is any, I will be closing out any accounts I have with CITI and staying with XXXX XXXX and my own bank card.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I just recently sent a complaint anout Wells Fargo not letting me open account now the day say I owe then 3 hundred dollars I dont owe Wells Fargo nothing yall close my account for nothing yall are XXXX and its getting annoying.
Consumer complaint received 2022-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (OR)

Flagstar is my mortgage lender and they have not properly informed me of the covid loan modifications available to me ( I have and FHA loan ). Since my forbearance ended in XXXX I've been asking to be reviewed for the two covid loan modifications that result in my principal and interest being reduced by 25 %. I call every couple of weeks and have been getting mixed messages about which options are available and everyone I talk to either tells me there's no such thing as covid loan mods, or I don't qualify, or that I'm in review and need to wait, or that they offered it to me already and I declined ( definitely not true ), or that I've been out of review for months and I'm about to go into the foreclosure process and need to fill out a loss mitigation application. After months of the runaround I received with no previous notice an offer by XXXX, ready to be signed and notarized, for a partial claim and regular loan modification. The payment is actually higher than my previous payment and it's not a covid modification. 
I have a HUD counselor at XXXX XXXX who also is wondering why I have not been offered or informed of these programs ( I had to do the research myself online with the HUD press releases etc ). I see now that this is a bigger issue than just me and a group of 20+ AGs have gone to the FHA because lenders have not been following the HUD prescribed waterfall in what they offer to FHA borrowers coming out of covid forbearance.

Additionally, the Flagstar website mistakenly allowed people to re-apply for forbearance for an additional period after forbearance actually ended ( through XX/XX/21 ). I did this application in XXXX or XXXX and was told that I was good through XX/XX/21, but this made me nervous and I called and they said this was a glitch on the website and my forbearance actually would end in XXXX. So I'm lucky I followed up but I imagine this really caused some problems for other borrowers.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2022 : I received a notification from Wells Fargo that there was suspicious activity that needed to be verified by XXXX XXXX XXXX. ( A company I have never purchased from or heard about ) They told me to Reply Y if recognized XX/XX/2022 : I went to purchase a snack at XXXX XXXX  XXXX  and noticed that my card got declined. I just received my paycheck a couple days prior and knew that I had money in my bank account. I have a joint account under my mother, but she does not know my pin and I have never given my pin to anyone else. I looked at my bank account to see it was essentially cleared out with maybe a couple dollars in my savings and a negative balance in my checking account. My bank account had several unauthorized charges by mainly this XXXX person/company. {$1700.00} was moved from my savings into my checking account and the XXXX purchases were extracted from my checking in smaller amounts of {$50.00}, {$100.00}, and {$200.00}. I had class and had to go to work immediately after so I was not able to call my bank ( Wells Fargo ) until the day afterwards. 

XX/XX/2022 : I called and they essentially told me that I would have to make several claims because of the different kinds of bank transfers and that my money would be reimbursed. They closed my checking account reopened another checking account and a couple days later I received an email apologizing for the fraudulent activity happening on the account that I had just opened instead of the one that was closed. They told me to wait 7 days for my new card. 

XX/XX/2022 : I called Wells Fargo to get an update on my claims because I had not been reimbursed yet for the XXXX. One was resolved but I was still charged with overdraft fees and was told that my other claim has been closed and resolved, the claim regarding all of the XXXX charges. Ultimately, they said my claim was denied and that I will not receiving any of that money back. I have chatted with Wells Fargo agents online and they tell me to contact the Claims department, but the Claims department said there was not enough evidence for my case even though they contacted me about the suspicious activity.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (NM)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

As of today, we received a letter from the note holder or investor, XXXX XXXX, regarding our loan XXXX stating that as the nominal mortgage owner, XXXXXXXX XXXX does not have the authority to review or approve loan modifications. When we requested a loan modification in XX/XX/XXXX based on a very serious XXXX, which caused us a considerable loss of income, the response from the unscrupulous underwriting at SPS was to extend the maturity date until XX/XX/XXXX, PLUS a balloon payment of {$110000.00} which does not make sense because if the loan was extended the lender would benefit because we would end paying more interests. SPS alleged that the lender did not authorize to match the amortization term and the maturity term and this statement is utterly false because the investor responded to my letter and clearly stated that they did not have anything to do with this abusive proposal. This modification has been reported to the USA Housing Department and is being evaluated. 

The purpose of this complaint is that after all these lies, I requested on XX/XX/XXXX, an analysis of our escrow account. This evaluation is pretty simple and consists in adding all the money deposited since SPS started servicing our loan in XX/XX/XXXX as of XX/XX/XXXX, and subtract the payments made in flood and hazard insurance and property taxes. A simple addition and substraction that I gathered and reflected in a simple spreadsheet that was contradicted by SPS. On a letter dated XX/XX/XXXX SPS stated that we have only paid {$38000.00}. This amount is incorrect, we have paid since XXXX to the escrow account {$40000.00}. There is not way around when talking about numbers, the sum of all the deposited money appear in multiple statements, and despite having sent to SPS proof of payments, SPS still insists that we have a negative escrow account balance of {$1300.00} and this information is wrong. We decided to close the Escrow account and requested a refund that we have not received yet. 

In short, in addition to the abusive loan modification proposal, SPS is holding our money deposited in an escrow account and is asking us to pay for an inexistent and made up shortage.
Consumer complaint received 2022-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I requested an investigation and the removal of the charge-off status in this account CAPITAL ONE BANK USA N XXXX XXXX No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history on the other bureaus that proves my late charges on this account.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (NC)

Have contacted Credit Bureaus about inquires about XXXX of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid Capital One credit card in full on the due date ( XX/XX/2022 ). They then charged on XX/XX/2022, {$180.00} in interest fees. I called asking them to remove these fees on XX/XX/XXXX as this is double billing and my understanding a banned practice. They refused even after I threatened and closed this account after paying it in full again minus the disputed interest charges.
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PNC Bank N.A. (AR)

We have tried for 2 days to file a financial hardship extension due to Covid. We spent several hours both days XXXX XXXX XXXX  XXXX, 2022 trying to file a hardship. Its been exhausting. They kept saying they couldnt file it. We banked our loan with BBVA and they sold it to PNC without our permission. We were always able to deal with BBVA, but now its with PNC online banking we cant get anything done. We have been denied to talk with an executive who can make decisions. Their process to talk with a representative is nonexistent.We are still in a pandemic due to Covid.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL PAYMENTS DIRECT INC. (NC)

On XX/XX/2021 I attempted to set up a {$30.00} online payment with XXXX I made a typo in my account number and when I tried to fix it, the site wouldn't let me backspace and instead submitted it with the wrong account number. I tried to cancel it, I deleted the wrong info and put in a new account number, but instead of deleting the wrong one it created a second payment. I immediately contacted their online chat and tried to get it resolved, to no avail. After XXXX minutes with their chat person their answer was that they couldn't cancel a " successful '' transaction. I told them it was not successful because it was the wrong account number, but they refused to do anything about it. I emailed their customer service but they also did nothing. I contacted my bank and all they would tell me they couldn't do anything. Then I got a letter from Global Payments Check Services LLC telling me that I now owe them {$55.00} dollars and when I tried to dispute that amount they hung up on me. I have a right to dispute it, but they refused to allow it. This whole thing is because their website screwed up and now I'm being charge an XXXX percent penalty for their incompetence. It feels like a scam to me.