davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (NC)

XXXX XXXX XXXX XXXX hired conserv to retrieve the overdrawn checking account balance of XXXX dollars I had with them. This company, conserv calls me multiple times a day and with different numbers. they even call late at nights as well. I am a disable XXXX  with so many health issues that I can't deal with it and being on so many medications that I can barely function. XXXXXXXX XXXX also refuses to refund me the XXXX dollars and XXXX dollars I paid them on the XXXX of XXXX, XXXX. Each time I call, they said they can't do anything for me. I contacted my local state congressman already. I also plan to get the state attorney general 's office involved
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (TN)

We were working with and had bank accounts ( Savings and Checking ) with Credit Karma for years, and everything was going great, until XXXX XXXX ago when we noticed our account was " Frozen '' and we had no idea why. We reached out, and were referred to the Fraud Team who just told us that our accounts were in the process of being closed. No reason was given when we asked for an explanation, and when we requested access to our funds so we could have our money before they shut everything down, we were told that they'd be " Transferring the funds to our Externally Linked Bank Account '' within XXXX to XXXXXXXX XXXX XXXX. To this point NONE of that has happened, the accounts still show as " Frozen '' when you sign into Credit Karma, and anyone you call and talk to will give you NO information as to why it's being closed or any ETA on when the funds will be available at our other bank. We need this resolved NOW as we need to pay rent so we're not being evicted.
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

On or about XX/XX/XXXX, these two so-called debts appeared on my credit report. 
The debts are XXXX and XXXX. 
Once I was notified, I sent them a letter in XXXX of XXXX. 
I then disputed it with my Credit Reporting Agencies. 
I sent another letter in XXXX, and another letter XX/XX/year>. 

I have informed them they are IN VIOLATION of 15 USC 1692g ( b ). They have neglected to validate these debts they have been attempting to collect.

The only thing the company did was to claim that the two debts are valid.
Consumer complaint received 2024-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I was gifted a {$100.00} American Express prepaid gift card a few years ago, but it was temporarily misplaced. When I found it and tried to use it, it would not work. I contacted American Express and they said it was sent in as unclaimed property and I would have to submit an escheatment claim. The date printed on the card indicated funds are good through XXXXXXXX XXXX XXXX so I do not understand. They further said that I needed to send in a copy of my drivers license to an email address. I explained that I am not comfortable with that lack of security and just want the funds unlocked. They just keep repeating that I need to send personal information in via an email address. 

I can not find anything on American Express 's website or any FAQ page stating that this happens so I don't even trust that it is a legit person replying to my issue there.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I deposited two separate large amount checks. From my long time friend! They just said they are gon na freeze my account saying I cant get my money especially when it was the day before the hurricane was to hit. And I am a widow and get help from my friend who gave my the checks to deposit. They dont approve it and froze my account with all my money. I have a XXXX XXXX son who is XXXX XXXX. This has caused me so much pain and depression. I cant sleep almost every night. They just say Im under investigation and they interrogated my friend who wrote me the checks. And he said he helps me pay my large bills u til I can sell my house I can not afford since my husband died. They are causing me to become so ohycally sick and my health is deteriorating over this stress. How can a bank take my money when I did not one thing wrong nor illegal. This is chase the power hungry company who gets away with everything without consequences. Im gon na have to hire an atty if they dont give me all of my money out now. I dont want anything to do with chase. The manager at one of the branches even basically called me a XXXX. How is he not fired??!!!!!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please remove/delete the following address from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please UPDATE my address to the following address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following phone # from my credit report : XXXX Please update my phone number to the following XXXX
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Dear Capital One Auto Finance, I am writing to formally express my dissatisfaction with your handling of my loan payoff and lien release process. On XX/XX/year>, I paid off my auto loan in full. As of today, XX/XX/year>, I called your customer service department to request the release of the lien on my vehicle title. To my surprise and frustration, my request was rejected. 

Your agents informed me that Capital One Auto Finance would not send the necessary documents to the Arizona Department of Motor Vehicles ( AZ DMV ) to file the lien release on call beginning XXXX XXXX XXXX XXXX, XXXX XXXX. This is an unacceptable situation, as I have fulfilled all my obligations by paying off the loan, and I expect Capital One Auto Finance to promptly and correctly release the lien with AZ DMV, as required by law. 

Please address this issue immediately and ensure that the proper documentation is sent to the AZ DMV so that the lien can be released without further delay. I expect a response and resolution to this matter within the next five business days. Without proper response from Capital One Auto Finance within timely manner, Im intended following with other legal actions permissible by law.

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have worked very hard to acheive a near perfect credit score. I am constantly receiving phone calls and emails from scammers trying to impersonate banks and companies I frequently do business with. It upsets me when some banks think they are above the law and spray and pray unsolicited credit cards at customers with good credit rating. 

I have been a Kohls customer for many years but rarely used their rewards program. They increased my credit limit from {$500.00} to {$2000.00} without my permission in XXXX. I contacted credit.kohls.com about it and was informed about the pending conversion to Capital One XXXX Credit Card. 
Hence I closed my account right then and there and requested them to send me a letter confirming this, which I received. There were no payments pending or balance owed on my account with kohls when I closed it. 
Kohls/XXXX are now appearing on my equifax credit report as closed. 

I have been receiving junk email from capital one announcing their credit card rollout with no option to unsubscribe or close. 

Then on XX/XX/year>, I received an unsolicited credit card from Capital One bank. When I called the bank, the only way to speak to an agent was to enter the card number. The IVR did not ask me for any other information to verify the account. It straight away gave me the option to activate the card. 
The agent I spoke with initially thought that I was calling to activate the card but got nervous and shifty when I informed him that this was an unsolicited card for a closed account and in violation of FCRA. I confirmed with him that the balance on this account was {$0.00}, I made him cancel the card, close my account, and flag me as someone not to do business with and do not contact. 
During the course of the conversation, the agent informed that they are getting a lot of calls about this since the transition to capital one started. 

I have also recorded the conversation to keep the record straight, as the law allows me to do so in my state of residence. I am happy to share it with any investigator or attorney for the purposes of bringing Capital One to justice.

I am very upset with Kohls for selling/ giving my information to Capital one without my consent.

I am very upset with Capital One for issuing thousands of unsolicited credit cards without doing their due diligence.

Kohls is a dying brand. Many customers don't shop there anymore and do not have their current address on file with Kohls. Innocent people are going to have their credit ruined when these unauthorized cards fall into the wrong hands.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I've been making payments on my accounts and they have restricted usage on all accounts I have with them. They have the payments several payments that were never reversed and cleared and now refused to refund or allow access to my XXXX. They have done this for XXXX accounts for myself, XXXX for my husband and XXXX for my family members as well. They have held over {$800.00} total in funds that have cleared and they refuse access as well as refund. CAPITAL ONE
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX  XXXX Balance : {$3300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1900.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$7500.00} ; DEPT OF ED / XXXX XXXX Balance : {$4100.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$3000.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$1500.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2100.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2600.00} ; DEPT OF ED / XXXX XXXX Balance : {$2000.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (TX)

I am filing this complaint in regards to the company Fortiva. I opened an account XX/XX/XXXX with an opening balance of {$2000.00}. Since then I have paid a total of {$520.00} and as of today XX/XX/XXXX my balance has only decreased by {$100.00}. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest. The total amount of interest paid to date on the most recent statement shows only {$220.00} which is unfair but not even that if {$220.00} was put towards interest then why hasn't the remaining balance {$290.00} been applied to the principal balance that I actually owe? Please see the attached opening statements and current statements.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX 24 Preliminary XXXX XXXX Affidavit filed in XXXX XXXX XXXX courthouse to the successor of interest and estate of XXXX  father with a bogus listed for a named XXXX XXXX XXXX, XXXX Loan Documentation XXXX XXXX 24 Bogus phone number listed on letter from XXXX XXXX XXXX from lender acknowledging third party discussions even though once all parties contacted them ; they denied that they had permissions or that anyone else had been added to be authorized to discuss mortgage account.
Consumer complaint received 2024-08-02
Product: Credit 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: SANTANDER HOLDINGS USA, INC. (MA)

I am writing to file a formal complaint against Santander Bank regarding an ongoing issue with my credit card account. 

In XX/XX/2024, I submitted a claim for {$310.00} related to a product that I was promised but did not receive. Santander Bank credited my account with this amount on XX/XX/2024 ( based on my cc statement, there is no post date for this refund credit ). However, on XX/XX/2024, the credited amount was reversed, and I was recharged the same amount. 

Since then, I have repeatedly contacted Santander Bank 's customer service to reopen the dispute. I was instructed to email XXXX with documentation supporting my claim, which I did on XX/XX/XXXX and again on XX/XX/XXXX ( attached below ). Despite this, my issue was not resolved. When I attempted to file another dispute over the phone, I was informed that the case could not be reopened because it was marked as resolved. 

Frustrated, I informed the representative that I would escalate the issue to the Consumer Financial Protection Bureau. Subsequently, on XX/XX/2024, I was contacted by a supervisor named XXXX. She assisted me in filing a new dispute and agreed that the transaction should be credited back. However, the case was later closed with the explanation that it was " more than 120 days '' since the original claim, implying that it was now ineligible for resolution. 

This entire process has been fraught with inefficiencies and poor communication from Santander Bank 's customer service. Their inability to address and resolve this issue in a timely manner, coupled with their refusal to credit the amount back to my account, is both frustrating and unacceptable.

I am requesting the Consumer Financial Protection Bureau 's intervention to ensure that this matter is resolved and that Santander Bank addresses its customer service failures. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX present sent multiple certified letters requesting loss mitigation options and if there is a sale date ; I have reached out the phone number listed on letter and it is not working ; other times, I have reached out to the lender and I am transferred about three or four times ; some days, they verify my information or call me directly to verify the information and drop the call. I think they are only recording the verified part but then hanging up so we cant address the issues. 

XXXX XXXX XXXX to date options mentioned in the preliminary loss mitigation affidavit from VP of Loan documentation were not accurate ; XXXX XXXX present I was never given the option for a payment deferral, forbearance or repayment plan ; I have submitted a new application several times and was offered a partial payment plan program which never was processed.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX communication about assuming the loan ; county and state records shows that I am the owner access to mortgage account online XXXX XXXX blocked from mortgage system ; uploaded documents to home preservation system ; eventually blocked ; email provided to attach documents ; submitted documents as instructed ; lender claimed that documents were never received; resubmitted the same documents over and over. 

XXXX XXXX XXXX XXXX confusing calculations p1 of mortgage statement shows payment sent but was applied to XX/XX/XXXX ; p2 shows owing XX/XX/XXXX after previous payments were sent to a debt collection agency and some payments were returned
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX foreclosure filed in court without being properly served XXXX XXXX XXXX preliminary loss mitigation affidavit mailed to unknown addresses other than property address ; large envelope zip tied to gate of residential area ; paperwork assures that I would get a " mediation request form '' 28 days after filing XXXX XXXX XXXX letter date stamped as XXXX XXXX XXXX titled " Order to Docket Residential Foreclosure '' from substitute trustees with envelope addressed to " all occupants '' w a subtitle " The Parties Have not Elected To Participate in Prefile Mediation. ''
Consumer complaint received 2024-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMA Advisors, LLC. (CO)

On XX/XX/year> I filled out an application with XXXX for a land loan. The lender recommended a HELOC loan to help with the down payment. I was approved for {$55000.00}. On XX/XX/XXXX the lender advised me the loan could not be approved. I did a written cancellation on " The Right Of Recession ''. I received an email back with approval of cancellation.I found a new lender who was able to give me the loan I needed and started to move forward with the process. He did a title search on my home and found a " Deed of Trust '' attached by Homebridge. this had been filed under 24 hours after the HELOC loan was approved. After numerous emails by me and my new lender we were able to have the Deed removed. The deed was on my home for almost 30 days.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (PA)

An attempt to open an Indigo Mastercard in my name occurred on XX/XX/XXXXXXXX The hard inquiry was blocked on XX/XX/XXXX because credit reports are frozen for all 3 bureaus. 

They had my name, birthdate, social security number correct. I called the credit card company for Indigo Mastercard and reported the fraud XX/XX/XXXXXXXX They are investigating on their end.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been XXXX me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.