davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CAPITAL ONE BANK USA XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I am a XXXX XXXX and am trying to use my limited free time on scant off-days to get answers about why my payment amounts have not started and why they have resumed at {$0.00}. I've spend hours trying to get in touch with them and their website is largely unusable. These are tactics that are predatory and while I ( XXXX XXXX  ) know how to navigate complex systems, not everyone is so lucky, and this is how people end up defaulting or facing penalty fees. MOHELA had MONTHS to scale up their workforce in anticipation of the influx of calls, but chose not to.
Consumer complaint received 2021-09-16
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: Experian Information Solutions Inc. (CA)

This is my THIRD letter to Experian, XXXX, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.
Consumer complaint received 2022-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (KS)

So I contacted this company on another forum to which they responded by sending a bunch of papers and an enlarged photo of an old ID card that I havent had in 7-8 years!!!! To which first off, it wasnt sent in the time allotted for by the FCRA for debt validation, which already makes this debt erroneous, but the papers they sent DO NOT PROVE ANYTHING.! They dont prove that I entered an agreement, nor do they prove that I owe any sort of debt to them and whoever XXXX XXXX is. I have never taken out money from either of these organizations and I demand Ad Astra remove its fraudulent trade line IMMEDIATELY and PERMANENTLY from all my credit reports ( XXXX, XXXX, XXXX ). This is your last chance as Ive already been advised by my attorney to go ahead and pursue legal action seeing how your company has violated numerous rights of mine. But Im willing to postpone by giving you this last opportunity to do whats right and rectify this situation. If you refuse this is just more evidence to bolster the case against you. Make the right choice and delete the fraudulent debt or face the consequences.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (FL)

I received a bill for {$40.00} due XX/XX/XXXX. The payment was made by my bank ( via autopay ) on XX/XX/XXXX. The payment has not been posted to my credit card account and {$51.00} ( {$40.00} + past due amount {$11.00} ) is showing for next payment due on XX/XX/XXXX. This company is not set up to receive phone payments or online payments. You are directed to make payments via bill payment with your bank. It seems this puts the consumer at a disadvantaged for this bank to benefit from late fees charged on untimely posting of a consumer payment. It's impossible to reach them by phone. You are directed on their website to contact them via mail. Please investigate their practices concerning fees and posting of payment. Thanks for your help in this important. I do not want this incident to adversely affect my credit with the bureau. Especially, in the midst of a pandemic.
Consumer complaint received 2021-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (WA)

A loan was opened in my name which I did not apply for. The information given to Explore Credit was all my information but the bank account number the loan was deposited in was not my account. The email address given to them was not my email address either but they would not disclose what email address they have. The loan was applied for in late XXXX or Early XXXX of this year. I called Explore Credit and they were going to file it as fraud but would not give me any information on the loan except the loan number which is XXXX. I spoke to a representative name XXXX on XX/XX/2021 in regards to this fraudulent activity. She said they would try to reverse the deposit out of that person 's account and if they can't she may need more info from me to get this resolved. I wasn't given details in regards to this loan such as amount, bank account number
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

This is the third complaint we have filed. This one is in response to complaint : XXXX as I was not able to respond via the online tool I am presenting a new complaint. 
In XX/XX/XXXX Community Loan Servicing responded to complaint XXXX but did not have the most accurate information regarding our loan modification and subsequent subordination of title to finalize the loan modification that should have been completed in XXXX of XXXX. 

1. The Broker Price Opinion provided in their response was NOT an appraisal. ( See attached document that was sent in Community Loan Servicing response ) ( 126 pages of excuses that are not accurate ) This document was sent to us ( XXXX XXXX XXXX XXXX ) by Bayview Loan Servicing and we sent it to XXXX. 
2. XXXX ( XXXX XXXX ) responded that the Broker Price Opinion was not sufficient and XXXX sent an email to Bayview with the correct documents required. ( See Attached email ) 3. I have reached out to the individual who did the appraisal that was/is required to finalize the subordination of title ( XXXX XXXX - XXXX XXXX ) and requested a copy of the appraisal he did in order to expedite the subordination process to finalize the modification of loan. XXXX 's response was that he CAN NOT send the appraisal to us as it was ordered via XXXX by Bayview, Bayview, now Community Loan Servicing has to send the appraisal they got from the XXXX to XXXX along with the other documents that were requested in the email from XXXX XXXX ) We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
Basically do the job they are getting paid for. It has been over 2 years since this began for us and to this date Community Loan Servicing has not held up their end of the process, giving excuses after excuses and not returning phone calls. 
We spoke with XXXX, a customer service representative on XX/XX/XXXX who sent an email to XXXX XXXX and his supervisor XXXX XXXX - we were told we would receive a call regarding the loan modification and to this date have not heard from Community Loan Servicing via phone.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (TX)

I feel as though I have been deceived and treated unfairly by the Navy Federal Credit Union and the promotional balance transfer marketing scam. 

A credit card with XXXXXXXX XXXX allows for a {$10000.00} credit limit immediately, but for some reason NFCU only allowed me {$500.00}. I feel as though I was given a lower limit due to my race or some other unstated reason. 

I requested to have my credit limit increased to {$12000.00} so that I can transfer my credit card balances for the promotional rate. 

I opened an NFCU Savings XX/XX/24 account in order to apply for the balance transfer credit card. My initial application was declined on XX/XX/24. 

So I called into the bank to close the savings account, since I was declined, but the representative suggested that I wait until I receive my rejection letter in the mail to see why it was rejected. I took her advice and I waited for the letter. 

The letter stated that I was rejected due to the amount of time I had with NFCU and the low balance, and the lack of direct deposit. I took this information and I set up my direct deposit, and waited two pay cycles to reapply. I was approved, but only for the credit limit of {$500.00}. 

I called in to see if I could increase my credit limit, and the representative told me, that credit limit increases are not approved with accounts that are newer than three ( the promotion is invalid after 90 days ) months old. I told her that I felt it was deceptive to have me open these accounts and set up the direct deposits and go through all of this for a balance transfer if they were only going to approve of an amount that is not close to what I originally requested. So she advised that I write this request with justification. 

I have not been applying any new charges to my credit cards, and I have only paid the minimum since I have been trying to establish this Balance Transfer to NFCU to pay off my debts faster. I have no auto loans, no student loans, no mortgage, and a decent income from my job. 

It was not disclosed to me that the balance transfer amount would be subject to my credit limit and it is not clearly stated in the Navy Federal Credit Union Credit Card Pricing Terms.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, If transunion can not verify these accounts truthfully and accurate. Then they need to be removed.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I paid producer XXXX XXXX for music production service through Venmo, in the amount of {$1500.00} ( {$1000.00} for producing, {$500.00} for mixing and mastering ). However, due to contract breach, the mixing and mastering service were terminated and {$500.00} refund was expected. Due to the disappearance and unreachable of the producer, I'm requesting a refund through Venmo. However, Venmo stated it was a transfer between friends rather than a merchant service and refused to provide a refund.
Consumer complaint received 2021-03-21
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. (NY)

As of XX/XX/2021 my credit scores dropped from both XXXX and Transunion 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above 800 across the board.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (MO)

Last month I received a child tax credit check from the IRS and went to Mobile deposit it through the app which I had done with the previous one with no problem, but this one for some reason it kept telling me that it couldn't read it for days I tried and it kept telling me it couldn't read it and finally I got it to accept it and later that day I got a message saying the check couldn't be verified and was not deposited and that I could take it to a third party to cash it such as XXXX. But because for mobile check deposit when you endorse the check you write for deposit to chime only on the back of it XXXX told me they wouldn't take it and chime recommended that I contact the IRS to reissue the check. So I did, but the IRS wouldn't reissue the check they said they would split it up into the remaining checks that would be received. So a month later I got another check and went to mobile deposit it and I wrote very clearly on the back of it for deposit to chime only so that it wouldn't have a problem reading it only to find out that my mobile check deposits had been disabled which I was not notified of. So now I had another check that was endorsed for chime that I couldn't do anything with and I spoke to customer support at chime supervisor after supervisor until the last person told me they were the highest person to speak to and were telling me that they could not turn on my mobile check deposit. That they could evaluate eligibility for mobile check deposit at any time and disable it at their discretion. But this person was telling me that for no reason whatsoever could they turn it back on and this was disabled due to nothing on my part it was chimes system that aired and rejected the check that caused it to be disabled on my account and all I was told over and over and over is that chime reserves the right to determine your eligibility for mobile check deposit at any time but they couldn't turn it back on so due to chimes error I've now had two checks that I can't put in my bank accountand as I said the XXXX at my location absolutely will not do it and so now I have two checks that I have not been able to do anything with except have them canceled by the IRS and wait yet another month to see if they add it to the next one they send
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2021 - I approached a Wells Fargo ATM outside my local branch in XXXX XXXX, California to deposit {$5100.00} to cover a check I had just wrote in the same amount. 

The machine displays a sign warning the machine can only accept XXXX bills at a time at which point I inserted XXXX {$100.00} bills into the deposit compartment, something I often utilize. 

The machine sounded different than normal while counting the money and promptly showed an error machine jam message. It then asked how much did I deposit? I entered {$3000.00} and the machine gave me a receipt showing {$200.00} available now and the remainder the following day. 

The following day I logged into my online account portal only to learn there were additional issues. It reflected {$1000.00} deposit and a WITHDRAW of {$2000.00}!! 

This made absolutely no sense to me at the time so I called into Wells Fargo Customer Service Line and after working my way through the extremely frustrating automated system I finally get a human to look into it and after a few on holds and a chat with his supervisor I was informed that it would show the correct information by XXXX ( the following calendar day ) That leads me to today, I checked yet again and yet again it has not changed. I called in and spent more than 2 hours on the phone to speak to 3 different people. 

All three shred the same information, the only I can do now is make a claim and wait up to 10 business days for them to review and investigate and if they determine a credit is owed they will at that time issue a credit for the money that they currently have in their possession. 

I feel this is unethical and possibly illegal. There is no warning anywhere on, near or within the ATM that warns this can happen. I had no way of preventing this from happening. Had it been warned that the ATM machine WELLS FARGO owns and operates could do this! Moreover, if I had know the ramifications I would experience if their machines malfunctioned I would never had used it. 

I was assured the claim is NOT FAST! I was told Wells Fargo gets thousands of complaints " just like this '' some for merchant issues and some are for fee complaints etc.. I was dismayed that the people they have in claims and dispute resolution feel a situation like this is comparable to that of a complaint against a merchant or a customer complaining about a fee they probably owned.

This bank is a JOKE! FRAUD! WELLS FAGO CRIMINALS!
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NJ)

In prior responses to the Consumer Financial Protection Bureau, XXXX at the business has claimed that the proof of the alleged debt was mailed to me. The individual has my email address based on an email sent to XXXX on XX/XX/2020. Therefore, you can email the billing for the {$75.00} alleged debt that was paid in full. Be advised, that on XX/XX/2020, I received an unsealed plain white envelope with a one page statement claiming a {$75.00} balance. Furthermore, the only receipt of payment received was an emailed receipt dated XX/XX/2020. 

I will await your email with the proof of the alleged debt that was paid in full prior to being provided with written proof the alleged debt.
Consumer complaint received 2021-01-05
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. (TX)

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2022-09-17
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)

Im disputing a hard inquire that was placed by Capital. I received a pre-approval/qualification to be denied that cause a negative impact on my credit score. I find the offer that was sent to me misleading and false. I would like the inquire removed from all 3 bureaus immediately!
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the XXXX  data breach and my information couldve gotten in the hands of anybody.