davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/2019, I entered a debt settlement program here in XXXX. Capital One credit card company was informed of this, as I was unable to pay. They did not draw from my account from XX/XX/2019 ( after they were informed ) because first off, I am not on auto withdraw, and never was! I paid my bill online every month. I went in my account and paid it manually. Yes, they call me everyday all day until XXXX XXXX in order to collect the debt. 

Fast forward to XX/XX/2019 Capital one went into my account where my information is still saved, and stole a {$52.00} ... .and 10 days later ... XX/XX/2020 took an additional {$52.00}. The best part is when I called they said they never applied these payments and they now have to do an investigation even though it is their error. Ironically, I received an email stating that if I did not contact them by XX/XX/XXXX, they would place my account in release, and the very next day they without legal authorization withdrew from my bank account. Bottom line, I never authorized in, and I also think it ; s harassment because I am unable to pay.
Consumer complaint received 2022-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

Carrington Mortgage Services , LLC took over our mortgage from XXXX in XX/XX/2022. The account # is XXXX. We made our 1st payment to them XX/XX/2022 online for the regular payment amount. Then I sent in a check for principal only, and put that on the front of the check, for {$1300.00} and sent with their payment voucher and put that amount in the principal only box. They took that payment and treated it like a regular payment. I contacted them XX/XX/2022 when I discovered the mistake and was told it would take 5-7 business days to correct. 

I sent in our next regular mortgage payment XX/XX/2022 online and they have just put it in a suspense account. This should be been treated as a regular payment. 

On XX/XX/2022 I sent in a payment of {$700.00} for a shortage of escrow and they did post that correctly. 

XX/XX/2022 I sent in a payment online for the regular payment amount of {$1200.00} plus additional principal of {$710.00}. I don't know why they posted the regular payment amount to principal. They messed up this payment as well. 

I am fed up with this company. They are rude, and are misappropriating our money. I am afraid this is going to affect our credit score negatively. This is an absolutely TERRIBLE mortgage company. I have never had such terrible service. 

PLEASE HELP.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (CO)

Our loan officer, XXXX XXXX, NMLS # XXXX, from Key Bank, had stated that the processing and closing can take a long time with the bank. We were ok with that and entered into a 75-day rate lock starting in early XXXX. We were attempting to refinance and do a second loan for cash out. 

We received an email from the processor in the first week of XXXX claiming the loan would be closed by XX/XX/XXXX. We sent every document requested immediately. 

After the email from the processor, we did not receive communication from anyone for weeks. We repeatedly called our loan officer and he never answered the phone or responded to our voicemails. We emailed the processor, loan officer and closer, all  copied on the email from XXXX, and nobody responded to our emails. 

XXXX comes, and we still have not heard anything back from the company about when the loan is going to close. Finally, the closer emails us and asks for more documentation that we provide immediately. 

The first loan appears as if it will close before the 75 day rate lock expired, but the second loan did not appear to be able to close in time.

We still have not heard back from our loan officer at this point and we decide we're going to go with a different bank and email everyone in the loop as such. Lo and behold, the loan officer calls and needs more documentation, which we provide without delay. 

Amazingly, Key Bank is able to close both loans on XXXX XXXX, meaning the funds and payoff should be delivered by XX/XX/XXXX. There was money due from us at closing which was something that our loan officer, processor or closer had not communicated to us. 

We close on the XXXX, but the bank did not pay off our mortgage servicer or pay us until the XX/XX/XXXX. When we were concerned about where the money was and why Key Bank did not pay off the holder of our mortgage, we called the loan officer again. He did not answer and did not return our calls until after the loan had funded on the XXXX. The processor, loan officer and closer also did not respond to emails and questions about the payoff being late. 

We contacted our previous mortgage holder, the title company and eventually the customer service line at Key Bank, and no one could provide any explanation as to why the money was not sent on the day it was supposed to be sent. We still do not know why Key Bank took extra days to fund our loan. 

We are extremely upset about the absolute lack of communication throughout the process and are filing a complaint so others know not to trust Key Bank when it comes to mortgages. We also had to pay {$500.00} up front for an application fee.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

Wf/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

A debt collection for XXXX XXXX XXXX with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and experian that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (OK)

I opened BBVA money market account on XX/XX/XXXX from BBVA website, the opening advertisement says : With an account balance of $ XXXX, earn 2.50 % APY plus {$100.00} bonus opportunity. The requirement is : to open by XX/XX/XXXX and maintain balance of $ XXXX between XX/XX/XXXX and XX/XX/XXXX. 

I have finished the requirement since XX/XX/XXXX. But I still haven't received the bonus yet. Try to contact BBVA several times, with no results. All the representatives tried to find excuses to postpone the bonus as promised. 

I attached offer terms of the {$100.00} bonus when I opened the account, as well as my account balance history showing I have met the requirement.
Consumer complaint received 2022-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX IS CAUSING ME PAIN AND SUFFERING REPORTING A DEBT THAT DOES NOT BELONG TO ME ON MY CREDIT REPORT. I HAVE NO CONNECTIONS WITH THIS COMPANY
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2022 I purchased an item on XXXX for {$1100.00}. I opened my Bank of America app and initiated a XXXX transfer in that amount to the seller. I later learned that the sellers account had been compromised and that this was a fraudulent transaction. I contacted Bank of America and while they did file a " billing '' complaint they offer no other protections to their customers. I believe that if Bank of America is going to have XXXX within their own app then they should stand behind the product and offer protection to their customers. Bank of America basically told me that there wasn't much they could do and that I needed to talk to XXXX. I filed a fraud complaint with XXXX and I received an email stating that they will look into the matter to prevent this from happening to anyone else. I believe that Bank of America and XXXX both have an obligation to their customers to provide purchase protection when utilizing their services.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (KY)

Yes, on XX/XX/XXXX my posit was went into my account from Credit Karma that was closed. Have my money even get into that account. If that count is closed and now theyre not even saying anything thats going on with my money they close my account without me even know
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00}.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

I have recently paid off a GM financial lease and purchased at new lease through GM.

during my almost 3 yr year lease with Gm. I never had a late payment and have never had a late payment on my new current lease. 

When I purchased my new lease Gm sent me a bill to pay my last few payment left on my old lease, on my old lease my auto payments were stopped with out my knowledge and my online bill payment account was terminated. Once I received the bill I realized they had terminated my auto pay with out telling me. at that time I called Gm to make a payment to the remaining balance. they took my bank acct info and told me they would pull 4 payments out of acct.each mth. I agreed and hung up. a few mths later I received a late notice On my credit. When I contacted GM they stated they never told me they would auto bill pay each mth and said I was told to call back every mth to make a payment. this is not true and they never told me to call back each mth. they told me the payment would be taken out each mth.. they had no right to cancel my original online payments and then proceed to collect my bank acct. info to deduct payments and then not deduct the payment. when I contacted gm several times I was given the run around after receiving the 30 day late notice. They are stating the the 30 day late was not there error and they will not remove. I asked them for the recording off my originally acct and they stated they would look into it. then I called back and they stated they only keep recordings for 30 days. they also told me I can make payments online and then the next customer rep stated no ability to make payments online. I have now paid the acct off in full.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (MS)

Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GLOBAL LENDING SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2021-09-06
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. (IL)

i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXXXXXX XXXXXXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc. (TX)

Good morning, I just recently contacted National Recoveries in regards to my student loan account. It was 2 weeks ago when I found out they were going to be garnishing my wages. I'M VERY UPSET THAT I DIDN'TGET AN OPPORTUNITY TO DISSPUTE THE BALANCES THEYRE SAYING I OWE. I never received any notices from them. I set up all these different LOAN REHILBILITATION payment plans and do not have any idea where my money is going. I HAVE XXXX XXXX GARNISHING ME AND NATIONAL RECOVERIES. I have no idea where my money is going and I have XXXX agencies suing me for the same balance. THIS IS NOT FAIR and NOR IS IT LEGAL. I've called the Dept of Education, XXXX, XXXX XXXX, XXXX  and XXXX  in regards to all the inconsistencies. All I get is the run around. Having these agencies collect on loan debt is ridiculous and so unorganized. I'm upset that I was never given an opportunity to dispute balances owed that I know I don't owe. The Dept of Education should be ashamed of how theyre allowing these collection agencies abuse their name and ruin peoples lives. 
I would appreciate the opportunity to dispute balances I don't owe. I will seek legal assistance against these agencies that's garnishing my wages and misrepresenting themselves Please have someone from the Dept of Education to reach out to me. I need to know where my money is and who Ive been paying for the past 3 months. 

I NEED HELP IN GETTING THIS MATTTER RESOLVED!!!
Consumer complaint received 2019-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I have no knowledge of this account, I saw it on my credit report and do not know what it is or where was this done. XXXX XXXX, XXXX, Original Creditor- XXXX XXXX XXXX . Opened XX/XX/2014 in the balance of {$7800.00}. XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX.
Consumer complaint received 2020-01-10
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: Army and Air Force Exchange Service (GA)

I've reached out to Military Star and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : AAFES/MILITARY STAR Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

My grandmother is on her death bed went to XXXX XXXX XXXX XXXX during XXXX vacation to help my grandmother and visit one of my sisters in XXXX XXXX spend XXXX. I left my nanny and chef in my home told them not to have anyone in my home while Im gone. I return home afther XXXX My nanny XXXX XXXX and XXXX XXXX was fired due to I left my my two bank cards Buisness phone and ID in my drawer in my bedroom and money was missing from my Navy Federal account and my other banking with another bank.. When asked come find out it was my nanny son birthday and they given him a birthday party in my home while I was gone. Had over 20 people in my home. So I called navy federal my other banking gave me final credit didnt need police report 7 hours later in my account. But with Navy Federal credit union I have problem now. Called fraud department reported. Was sent email no error occurred. Call back was told I need to get police report. Called 3 to four times my police report wasnt attached to my fraud claim. Didnt know I needed one when I first put in the claim. Anyhow had to wait XXXX XXXX for appeal it said same thing. Got hung up in my face from fraud department she said no document was attach XXXX XXXX. Around XXXX. Called back talk to supervisor said they cant reopen my case I need more documents told him I was hung up on earlier. This is unfair and not right my money is stolen. I never had problems with navy federal till now. Ive called numerous of times I was told when I got first email of appeal denial that it was to quickly was error that happens sometimes. This is misunderstanding here. My money is stolen and gone I been good client never had problems this is my first claim. My other banking giving me final credit didnt need police report. Im told I need more documentation to reopen my appeal or it remains closed. XXXX this is wrong I did nothing wrong to deserve this type of treatment here. I want my money back that was stolen is all Im saying Im victim of fraud my staff was fired behind this. Its unfair was hung up on and yelled at and the lady was rude today had call back.
Consumer complaint received 2020-01-10
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. (VA)

All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof. 

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof. 

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least 25 different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

TransUnion/XXXX have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

XXXX is reporting my score 100 points less ( to creditors ) than what they are reporting to me. I have proof XXXX has pulled my credit upwards of 50 times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.
Consumer complaint received 2019-02-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

I would like to see the documents showing chain of title for this loan from XXXX to Real Time Resolutions. Real Time Resolutions reported it to XXXX in XX/XX/XXXX. When I disputed it, it was immediately removed.I am still investigating this loan that I havent heard anything on for many, many years until a strange phone call back in XX/XX/XXXX. A man from this company called and told me I owed {$27000.00} and if I gave him {$3000.00} in two days, I will be paid off. When XXXX took over my mortgage in XXXX, I was told by them, I no longer owe XXXX anything. I never received any bills either.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (WY)

I got cheated by on online seller who sells computer virus protection I contacted direct express they said we will help you get your money and if not we will refund you your money after investigation they said they are not able to get the money from the business nor will they help with the refund all they say is we are sorry you got scammed