davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

My mother was the payee rep and guardian for my XXXX cousins. They are the nieces and nephew of my grandmother who is deceased. In the XXXX 's their parent passed and my mother took over making sure they were cared for. Last year my mom had a XXXX. In XX/XX/XXXX my mom and I went to PNC XXXX branch. She attempted to add me to the accounts for the XXXX cousins, but was told I could not be added. We would need to go to courthouse and get verification of guardianship and payee rep changed. We were afraid of closing the accounts because their social security XXXX checks were direct deposit. We went to social security and they changed me to payee rep as of XX/XX/XXXX. The courthouse had set a date in XXXX to have a hearing for both mom and me to change guardianship, but mom had another XXXX and was in XXXX. Since my mom could not go to court the courts appointed a GuardianAdLitem to represent the XXXX cousins. After she checked out everyone they granted me guardianship on XX/XX/XXXX. I have taken these papers to the PNC bank and they sent them to their legal department. When I check to see if they will allow me access so I can start a new account with me on there to pay the XXXX XXXX and nursing homes they tell me the legal dept denied me. My mom had called them several times, I have been there several times, my sister and my dad all have gone to see if we can get this changed so I can pay the people taking care of the XXXX cousins. My mom use to transfer the money to her account and write a check. Now mom passed away in XXXX and my dad is living with me and he had a XXXX. I am a single mom, work full time and care for my dad. Now they tell me that even if they do give me access they will have to issue a check to the social security office. The Social Security office worker told me to tell them no don't do that because it would take up to 6 months to get another check issued. That will be 8 months their XXXX XXXX would not be paid and I can't pay the pharmacy bills for any of their medicines. I called my House of Rep and they suggested I call a lawyer because this no right. I called the NC Commissioner of Banks and they said they would get a lawyer too and suggested I contact Consumer Financial Protection. I just want to be able to pay the facilities that my cousins are staying at for their services and for their medicines. I have no money to get a lawyer and I have missed a lot of time taking off work just to take care of them and get this straight. Now I understand why families just end up turning their family members over to the state.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in May of XXXX I mailed Transunion and XXXX XXXX dispute letters for negative information that is mixed into my XXXX XXXX XXXX because two accounts were illegally combined into XXXX and left as negative. At one point my account was purchased by XXXX XXXX and I am devastated to find the old account information form XXXX XXXX appearing on account XXXX XXXX XXXX Mortgage # XXXX. I have asked the bureau displaying this mixed information to delete the account all together because even though they have attempted to change and fix the reporting their attempts have not removed the old information that is damaging and was tagged on to my account. I don't m ind at all if it is deleted all together because the inaccuracies start on XX/XX/XXXX and end at XX/XX/XXXX. This was a government transferred loan due to fraudulent activity by XXXX XXXX and the transfer was supposed to fix this issue and help the delinquencies drop off. The account was deliberately sent to a negative status to allow that transfer. 

I pulled my XXXX and I have attached it here to show you how confusing and wrong the readings are. from XXXX it is showing as 120 late repeatedly and then for some reason in XX/XX/XXXX it is showing as 30 days late and then it is X until XX/XX/XXXX then thereafter it is OK. This is all wrong so please delete this account all together so I am done with this nightmare. This is not fair to me because this loan was transferred 3 times and XXXX XXXX is not able to modify anything claiming the account is closed and accurate but it is clear no one is following up. I have been transferred throughout 3 difference finance companies who have had their hands in this account and I am getting now where. 

I dont understand why Transunion has dubbed my last dispute a " Duplicate '' when they have not properly followed up with me and I am not sending any duplicates because I have written them asking why this account is negative when it is not. I has put an incorrect email before and I have no access to their response. 

Please assist me here. Thank you
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (ID)

I was unfortunate enough to have to file bankruptcy. The filing date was XX/XX/2019. 

My checking account where my paychecks are deposited is with US Bank. 

I was expecting to receive the direct deposit today, Friday, XXXX XXXX. The funds are usually in the account first thing in the morning. When I saw that they were not there I figured something was wrong but I was not sure what. I first called my corporate payroll coordinator and she told me that everything looked good on her end and that the funds were sent as an ACH deposit like normal. She recommended I call my bank and ask for the ACH department. I called US Bank and spoke to customer service who told me that the ACH department is not " customer facing '' which I found strange. I was then told that my account had been frozen due to the bankruptcy filing. I had no idea that this was even a possibility or I would have changed my direct deposit or better yet requested a paper check from my employer. 

The amount of the deposit was supposed to be {$1800.00}. There is also a {$100.00} deposit from Thursday, XXXX XXXX that did not clear because of this freeze. 

I am assuming that the bank has a legal right to take this action, but the fundamental problem here is the fact that it was a surprise and that I was not given an opportunity to create an alternative solution. Now, what's done is done and I am without my desperately needed funds for a period of days or weeks while my company and the bank communicate and decide to send the funds to me in a different mode, whether that is a deposit into another account, or issuing a paper check. 

Over and over banks unilaterally make decisions that injure vulnerable consumers. 

This is not my first complaint to CFPB. I am hoping that someone who has some influence can do something, anything to hold these wealthy and powerful institutions accountable. Right now it is so one sided, they can do as they please while consumers are left high and dry while they figure out how to solve a financial crisis.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any documentation
Consumer complaint received 2019-02-15
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX/lXXXX XXXX XXXX XXXX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-08
Product: Credit reporting 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)

I XXXX XXXX currently have some unauthorized inquiries appearing on my credit report. 


XXXX XXXX Date Of Inquiry XX/XX/XXXX Experian XXXX Credit Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX Of inquiry XX/XX/XXXX
Consumer complaint received 2019-02-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

This loan was taken out in XXXX for roughly 10093 dollars, which is currently at 28000 dollars roughly. At no time did the school tell me this was a private loan when we was going through the process. I was told this was standard. First time ever taking out a loan. Did not know until XXXX that this was a private loan when the information started coming in the mail. Tried to fight this by calling Navient with no help. It was either pay or this will go on your credit, which it did. I was finally able to get someone to seen me documentation in XXXX about this promissory not. No where on the application says anything about this being a private loan. On a separate piece of paper, without my signature, saying this is a private loan. The only signature on the document is from a person at the school. I was completely mislead by XXXX XXXX and been trying to get this fix with Navient for 9 years now. Finally gotten some where by getting this website to fill this paperwork out.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I applied online for a Capital One credit card on XX/XX/XXXX orXX/XX/XXXX and I was immediately approved. On XX/XX/XXXX, I was notified that my card had shipped. On XX/XX/XXXX, I received an email from Capital One stating that before I could activate the card, they needed to do one final check to make sure this wasnt someone else applying for a card in your name. The email included a link to take pictures of the front and back of my ID to confirm my identity. I tried the process 5 or 6 times, but I got a message saying that the process timed out. I called customer service and after over an hour on the phone, got frustrated and used another link in the email to find a physical address to mail my documents through XXXX. 

My card arrived today along with a separate letter from the Customer Fraud Protection department requesting that I call them. I called the number in the letter and was told that a fraud hold was placed on my account, but they will not give me any further information about what triggered this hold. I am sincerely concerned that something like identity theft is happening and feel that I have the right to know what has happened. They refuse to give me any information. If a consumer is denied credit, the company is legally required to notify the consumer as to the reasons. As far as I am concerned, this may be even more serious, yet they are not required to give me any reason so that I can take measures to resolve it? 

It is suspicious that a company would approve me for credit and then almost immediately place a fraud alert on the account. 

I closed the account today and will never again do business with Capital One, but again, I am left in the dark if there is a problem with my identity. I am concerned that whatever caused this problem may happen to my other accounts with other businesses.
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

The debt with the company XXXX XXXX was paid in full on XX/XX/2017 however nobody filled this paperwork with the court. When you attempt to contact this company you get a recording stating to call back during working hours even though I have called during those hours. The other company involved in this case is Midland Credit Management. When I call this company I am told they are unable to talk to me because there is an attorney involved. When I ask for that information they are unable to provide it to me. I have paperwork showing I have paid my debt in full but nobody will submit that paperwork to the court and remove the lien. It has been removed from my credit but still shows up in the court system as an active case. This is now preventing me from getting a home equity loan that I am more than qualified to receive. 

I am not sure what else I can do at this point as the company has my money but will not file the proper paperwork.
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

My loan servicer is listing the incorrect number of PSFL qualifying payments on my loans. I began making qualifying payments in XX/XX/2013 and have had more than 60 qualifying payments. However, they list only 40 qualifying payments on most of my loans. They tell me that my qualifying payments are " under review, '' but this review has taken an unreasonable amount of time ( more than 5 months ).
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (PA)

I got on behind in payments in XX/XX/2017. I am being charged all kind of fees and i dont know what they are for.They say they have a 3rd party coming to the house every month to see if i am living here. There is a {$15.00} fee for that. I have no proof they were here. And they wont tell me who it is. I signed a paper to have payments owed to be added on to my loan. I was to start out fresh in XX/XX/XXXX. Now they are adding on late charges and fees again. I havent been late. They keep telling me they will check it out but I never hear from them all they do is lie.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Requested removal of inquiries, XXXX XXXX x 2 ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) of XXXX XXXX and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; as well as, XXXX from Transunion credit bureau and was advised by XXXX that the inquires are not verified and she can not request validation due to it being over 6 months. In regards to the creditor, afni no validation info will be provided. They verified it was my debt but no actual proof provided
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2018, I did a balance transfer for {$1400.00}, however ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient. 

Yesterday, I received a letter ( attached ), dated XX/XX/2018, saying that " After careful investigation, we have determined that you are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. '' Checked my account today and no credit is issued. I called today and was told that because they re-issued the dispute that it could take another 90 days, before things are resolved, despite them acknowledging that THEY made a mistake in a letter. 

NOTE : I was told by a CFPB to refile this complaint.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

The primary cardholder of my Capital One Cabelas Visa Credit Card was changed to my father who cosigned for me to get the card and I am not able to administer the account. 

I discovered this when I ran into an issue with my Capital One Cabelas Visa Credit Card where I am not able to login to or even create an account to the online portal where I would go to view my balance and pay my bill. I called customer service on XX/XX/2018 and was told then that I am not the primary card holder on this account. 

I am the primary cardholder, and I should be the only card holder on this account so this should not be an issue. After about an hour on hold with the customer service team at Capital One, I was told that an issue had happened where my father ( who was a cosigner on the account - not a joint cardholder ) was converted to the primary cardholder before Capital One took over the Cabelas Visa card. I was told that other users were experiencing this problem and that they would look into it. 

Capital One never attempted to contact me back, so on XX/XX/2018 I called them back. I was greeted again as the secondary card holder and transferred to a manager. The manager tried to tell me that they attempted to contact me and that my voicemail was full. This is a false claim as I have received several voicemail messages within the last few months. The manager also told me that they had completed their investigation of my account and that the account is how it was received when it came from XXXX  XXXX XXXX. I was then told that there was nothing that they could do to help me. 

I need to be reinstated as the primary cardholder and my father needs to be removed from the account. Unfortunately, Capital One is unable to help me fix these issues with my account.
Consumer complaint received 2019-02-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XX/XX/19 the Vice President of Human Resources at work received a phone call stating that if I did not call them back today they would have me served either at home or at work. When I called the company back they didn't not give me the mini miranda disclosure they said that there was a pending case against me that included 3 charges. The lady on the phone said that I can be served and settle in court for a large amount. Or I can try and settle out of court but she didn't know if i would qualify for that. But in order to get my case out of pending trial I needed to make a payment that day. I did set up a payment and set up a reoccurring amount. When I asked if they would send me something stating we had a payment arrangement and my payment schedule they stated that the only communication they would send me would be when I finished paying off the amount and my account was paid in full, and in order to receive that letter I had to call them back and request it otherwise nothing would be sent. 

I called back on XX/XX/19 to see if there was any way I could set up lower payments because I would not have the funds available on the second withdraw do to my rent payment. They lady I spoke to today said there was nothing she could do to help me and i stated I'm willing to make payments to pay this back but after I pay rent I may not have enough to cover the payment she stated that if they processed the payment and it failed then they would proceed with court procedures.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website. 

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

XXXX  : XXXX