davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

Hi, I am currently working on my credit report. At first I noticed system 's collecting for XXXX XXXX XXXX on my report. I was not aware of any such account. I asked for more information and disputed the account. It was not investigated. Decided to research the only account I've had with XXXX XXXX XXXX and soon realized it was an old XXXX from XX/XX/XXXX. That account was closed was to be cutoffXX/XX/XXXX when I purchased my new home. We bought a XXXX. They were suppose to send boxes for Equipment before we moved but NEVER did. I spoke to them several times. I recall this very well. We brought equipment to our new home, XXXX was sending boxes AGAIN. This time, they were sent to old Addr. I wasted more time tracking boxes only to find them wet outside old rental property. I asked them where to drop equipment? I was instructed to drop off in XXXX, Tx, That is what did. They apologized, said : " I would be issued credits. '' PAID {$95.00} and closed this account. I DO NOT OWE this debt and it is marked " D '' on my credit report. I am a single mom working very hard to be a good example. Please look into this. 

Thank you for all your time. 

SB
Consumer complaint received 2018-04-21
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: BARCLAYS BANK DELAWARE (TX)

I spoke with someone, this morning in the disputes department of Barclay Card.Not only was she condescending and kept interrupting, her responses and tone can tell she didn't care, frustrated and unprofessional. 
I was charged for a XXXX rental, that was prepaid, with mileage I earned on their card with their partnership through XXXXThe rep I spoke to today told me they have nothing to do with them, though, they sold me the card because of their joint relationship.I was charged almost {$500.00} for the rental that wasn't suppose to be.And for the last three weeks, have been given the run around by both XXXX, XXXX and of course Barclay card. 
Their ethics of doing business with customers ( at least for me ) is reckless, irresponsible, unprofessional and not obscure. 
Their responses to issues are so bad.In XX/XX/XXXX, my card was fraudulently used and it took them a week to notify me, not by e-mail or phone but via text but you want to get paid on time but fail to neglect your duties to customers
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I recently deposited a check for XXXX with Bank of America into my account through their mobile app, on XX/XX/25 I was told that the check would take 10 days to clear but they cant tell me why, Ive reached out to the paying bank to see what the issue is and was told BAnk of America has not reached out to them to get the funds released. Through the mobile app I was told the check would clear the next business day which it did but Bank of America placed a hold on it and now Im stuck in this situation with no access to my money.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I disputed a transaction with Wellsfargo on XX/XX/XXXX because I was making payments to a company for my credit to be repaired, who wasnt doing the service as expected. My bank credited my account of {$450.00} and left my claim open til further investigation. I received a letter on XX/XX/XXXX stating they were going to reverse the {$450.00} withdrawal from my account on XX/XX/XXXX. I then called my bank on XX/XX/XXXX but claims dpt was closed and I was informed to call back on XX/XX/XXXX. When I called back at XXXX XXXX and spoke with claims. I stated my dispute with the guy and asked him why am I being held accountable, when I paid out money for service I didnt get and they are my bank and suppose to back me. The guy said the creditor submitted documents stating he did service for me. I said to the representative, how is that, when he doesnt have my signature and I have text messages saying if you drop the investigation, Ill pay you {$100.00} & send the letters to the credit bureaus!? Which he had me to believe for 4   months that he done so already. I got upset with my bank and told them I can not afford that reverse and I hung up. I later on did more investigation on the creditor XXXX XXXX to find out he was illegally charging me {$650.00} and is not license to do credit repair ( he was referred to me ). My last step was to file a complaint against my bank. They did not ask me for any proof. They just went off what the creditor said and left me to pay them back. Thank you for your time.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I paid XXXX XXXX a deposit via opening a Care Credit account before possibly having work done for XXXX. This work was not done. XXXX XXXX gave a credit back to the account. I called Care Credit this year and the customer service verified this credit balance to XXXX XXXX and thus I used the account to have XXXX dollars work done. I should have at least XXXX dollars credit left. I then was billed and the account shows a debt of XXXX. 
I was incensed to find out that customer service has no record of the negative balance preceding the work at XXXX XXXX. I am being charged late fees too and should have that removed. 
I paid XXXX just to keep my good credit score.
Consumer complaint received 2018-04-21
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: General Motors Financial Company, Inc. (HI)

I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX  and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-13
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: SYNCHRONY FINANCIAL (FL)

This is a complaint against SYNCB the, I have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
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Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Last month I had sent in an application for a wells fargo credit card. I was denied and received a letter with the reasoning " too many recently opened accounts '' with a credit score. I called Wells Fargo to discuss the situation and all the told me and would discuss is what the paper said. and told me to talk to XXXX. I have since recently requested from XXXX a Credit Report and spent over 30 minutes on the phone and could not get someone to answer. A credit report was requested and is supposed to arrive in 4 to 6 business days. I am XXXX years old and have never missed a payment and have a credit score of XXXX according to XXXX. I have no negative marks on my report ( to my knowledge ) and am in good standing at every financial institution I am associated with. I feel there has been a mistake made.
Consumer complaint received 2018-04-21
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. (CA)

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!
Consumer complaint received 2021-01-20
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: DISCOVER BANK (TN)

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There was a fraudulent charge on my checking account. After contacting my bank, which I was put on hold for 30+ min., I was transferred to the Fruad department which told me to open a new account at a physical location. Upon visiting a location and opening a new checking account, I had called BofA back, another 30+ min hold, to be transferred to a fraud department telling me it was a different fraud department handling my case. On hold for an additional 30+ min, I finally reached the second fraud department that ensured by the next business day that the funds that are mine, would be transferred to the new account. It has been 4 business days and a weekend of time and the money is still not transferred for use. Very frustrating when you have bills to pay.
Consumer complaint received 2018-04-20
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)

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, Equifax and XXXX  credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation (OR)

I made multiple attempts to close my account, they refused to close my account. 

The fax number they provided said No Answer, and I they repeatedly would not close my account. 

This occurred on XX/XX/18. 
I spoke with XXXX at XXXX XXXX, she refused to close my account. 
I spoke with XXXX at XXXX, she refused to close my account. 
I spoke with XXXX at at XXXX, she reused to close my account. 

Fax result says : No answer, therefore fax number does not work. 
I attempted to fax ten times over three days, still No Answer from fax number. 
Fax result does not say Busy or Sent, but it says No answer. 
Fax number does NOT work, it's invalid. 

They are currently charging my account and refuse to close my account. 
I need this to be stopped and my account closed.
Consumer complaint received 2018-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

I was given a line of credit though Speedy Cash in the amount of {$870.00}. I borrowed {$200.00} against that line of credit in XX/XX/2017. Speedy Cash provided the amount that was to be taken out every payday. They have been taking anywhere from $ XXXX- {$68.00} out of my account since then. I just happened to check on the payment schedule to see that I still owwed {$430.00} and at this point I have been paying them every 2 weeks for over a year. Upon speaking with the company this is allegedly how their line of credit works, I was told the payoff was {$500.00} so I paid it. But before I paid that {$500.00} to date I had paid almost {$1800.00} for only {$200.00} dollars I was never late and nerver missed a payment but the payment amounts went up and down over the life of the payments! As the regulating body of agencies such as this one, is there no cap for the amount of money that companies like this can have you pay back? I would like to file a formal complaint as something should be done about predator practices such as this.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

On XX/XX/23 my vehicle was totaled in a car accident. I began the process with having my insurance handle their end, started the process with my Gap and notified Capital one so they could submit the needed paper work. I also called capital one ( all recorded on their line ) many times about getting back my XXXX that was through the same company as my GAP. They kept telling me it needed to wait 60 days and I would get it from them directly. Yesterday XX/XX/23 I called again to check up on things. Only to find out that they never used my Gap insurance even though the process had been started. They took the money from my XXXX after my insurance paid them and applied it to my balance. I found a notice in my junk email from Gap about this. I financed my GAP and XXXX and paid intrest on these items in my loan. It states no where in my agreement that this is allowed. When I asked for a copy of their policy and procedures saying they could do this, they refused. So Gap denied my benefit coverage. There was nothing left to pay and I was out almost XXXX that capital one kept telling me I was going to be getting. I desperately need help with this.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (NM)

On XX/XX/2018 my wife XXXX, as instructed by the call center operator for Lakeview did email to them a picture of incorrect information listed on all three credit bureaus and a request to correct that our mortgage, erroneously listed as an installment loan be changed to a mortgage. We have never heard from Lakeview as to the resolution of this matter. We have called several times and from one operator did learn that the matter had been closed XX/XX/XXXX. We were promised that we would be contacted. 
Nothing on our credit report has been corrected. In fact, somehow, this listing as an installment loan has been made retroactive all the way back through the construction loan.I never signed paper for an installment loan with XXXX XXXX, the original mortgage leander ; I signed mortgage loan papers. XXXX sold this loan in the XX/XX/XXXX to Lakview. 
I understand that technically a mortgage is an installment loan, BUT, not all installment loans are mortgages and to havwe this listed this way on my credit report is misleading, not entirally correct and hurts my rating and my opportunities for credit in the future. I would like this properly and correctly listed as a real estate mortgage loan.
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

In XX/XX/XXXX of this year, I called in to see what options are available. Currently I was on an IDR and thought that I would like to change to something where I didn't have to give over my tax information every year. The quoted me an amount that my monthly payment would be under the new plan, but it turned out to be around {$100.00} more than what they said. They told me I need to pay almost {$1000.00} to exit the plan, I asked why, they said they would not be able to proceed without that payment. After I was notified of what my monthly payment would actually be, I called in to ask why the difference? It was on that call that I found out that the {$1000.00} payment I did was not necessary. They said they couldn't do anything to change my monthly payment or the fact that my interest capitalized ( which I specifically asked about and they said it wouldn't ). They could however, return my payment. I have talked to them on a half a dozen calls over the last 4-5 months. They can't give me any explanation as to why my refund hasn't gone through, but they always need another 2 weeks before anything will happen. 

I've been paying more than I was told I would for the past 4 payments. I'm not sure if I'll ever be refunded the amount they've told me I would or not. They have taken actions on my account that did not match what I approved. Now, they aren't doing anything to fix it. I have never had a late payment and my account has never been delinquent. They get to make decisions regardless of what I call in to ask for. I'm thankful I can afford what they are taking from me each month for now, but no one there can seem to correct the mistakes that one call center rep made on my account. 

I was better off having never contacted them and I really wish I could go back before this all happened. I have no control over my loans or my payments and don't know who I can contact to remedy this situation.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On XX/XX/XXXX Nissan motor corporation fraudulently listed my car as a repo on my credit in an effort to distort my credibility with creditors. Ive paid all of my payments on my vehicle loan with Nissan and had sent them the XX/XX/XXXX payment as well. My mom drives this car therefore although its financed by me she insures and drives it. Im an excluded driver driver because I dont normally drive the car and Im not on her policy. However, we decided that Id get the car back as soon as she get herself another ride. My mom gave it back to me and unfortunately I had a wreck that totaled the car. She hadnt gotten the chance to add me to her policy on that date. 
The wrecker service called by the officer who took my statement during the accident apparently called Nissan as I never knew the location of the car. My mom was handling all of that. She ( my mom ) stated the wrecker service told her the car was being picked up by Nissan when she inquired about it in an effort to take care of the salvage and pick up the personalized tag that was on it on XX/XX/XXXX. When I went to trade the totaled vehicle, NMAC had listed it as an involuntary repossession to the bureaus. They never called or contacted me about their intent to take my car or why they thought they were involved. As my car wasnt in any defaults where NMAC were involved. I was paying and consistently maintained insurance on it, in full compliance of my lease agreement with them. When I called and three way spoke with a representative in the repo dept along with my mom to find out why they came and got my car they told me the wrecker service called them and said no one was reachable to take care of the salvage. So they took it. That is wrong and creditors arent allowed the opportunity to seize possession of any vehicle without first giving the consumer the right to take care of the matter. They just got the car and put it on my report in an effort to discredit my credibility. Nissan was being paid and had no loss here they decided to report false information to the bureaus and didnt give me anytime to resolve the matter. I had the accident XX/XX/XXXX they placed this car as an involuntary repo on my credit XX/XX/XXXX which is a blatant attempt to take money from me and discredit me. The FCRA has laws against reporting false information to bureaus and stealing from consumers by businesses and this is what Nissan has done to me. I want them to fix this or Id like for the FCRA to take action against them if they dont. They told me Id have to pay repo fees and reimburse them for salvage and take possession of my vehicle which they took without a cause in the first place in an attempt to steal money from me and discredit my credibility. Im young I know but Im not stupid.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC (TX)

XXXX XXXX  is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
Consumer complaint received 2018-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have been XXXX and my ex wife was awarded this loan in the divorce. I assumed she had been paying this on time and she fell behind while I was gone. I am now trying to relocate due to my transfer and purchase a home here. I am in dire need of having the last 2 lates removed off my credit report so I can close on a new loan ASAP. Please remove these lates from my credit report.