davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am submitting this complaint in regards to Capital One Credit Cards, I just realized after so long since my last complaint directly to this company that my over limit balances continues to increase over and over again, due to Interest increases, past due fees ( due to the fact that even if paying regular payments and not the minimum, that purported late fees and over limit fees of XXXX ) keep superseding the credit limit balance even when the card has not been use or charge for any purchases in the last 3-6 months. I need help I continue to make more than minimum payments and it continues to go over the limit and incurring over limit fees, so far each month I am incurring fees and charges. These are the charges that I have become aware I am getting charged every month regardless of how much I pay to this company XXXX interest ( which is acceptable ) past due fee {$39.00} along with a XXXX over limit fee. I was told by a friend that I needed to submit a complaint with the respective authority that oversight and supervise these type of abuses or deceptive practices from these credit card companies, I have already dispute and discussed these abuses with Capital One representatives and then escalating the matter to a supervisor, but they continue to be reluctant and pursue with the same pattern of deception and misconduct which makes it impossible to correct any problems with late payments. Please I need your help so far more than half of the outstanding balances is due to fees and charges this year alone.
Consumer complaint received 2018-04-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

In XX/XX/2017, my wife and I were pre-qualified to purchase a new construction home. We were pre-approved for {$380000.00}. During the loan process, our loan officer from Wells Fargo ( XXXX XXXX in XXXX Alabama ) told us that our loan was fine and authorized us to give the builder a non-refundable {$4500.00} for the builder to build a fence on our new home. This was all done prior to close. Three days prior to close, XXXX called to tell us we were not cleared to close and we lost our XXXX. 
We filed a complaint with the consumer board last year with no help or resolution, in fact, the board took what Wells Fargo told them and essentially closed our case.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

I have been trying to get a refund from Aidvanatage for the last several months. I made the refund application the first day and was told 4-6 weeks, which was for the amount of $ XXXX. We are well past this mark now and I have reached out every week asking about the status of my refund, whether it is approved, and how much time is left till I should see it back on the student aid website. Every time I call I see to get different answers on how to proceed or if I should see it by X date. I feel like no one knows over there and they are just saying things to get me off the phone. I now call every week to see if I get someone competent answers and is able to help me. It shouldn't be this hard to check the status of the refund, seeing the status on my account or a simple email update telling me they actually did it and did it right would help more than they do.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

Im reaching out as Im concerned my federal loan servicer FedLoan Servicing is not providing sufficient information and action to ensure eligible borrowers can take advantage of the incredible one-time opportunity for student loan forgiveness. 

I paid off my student loans in full during the COVID payment freeze. 

On XX/XX/2022, upon learning of the forgiveness program including the possibility for borrowers to receive refunds for payments made during the COVID freeze I contacted FedLoan Servicing. At this time, the loan provider discouraged me from requesting a refund to reinstate my loan, as they did not think reinstated loans would be eligible for forgiveness. 

When additional guidance from the Department of Education and news articles exploring this issue were released, I re-called FedLoan Servicing on XX/XX/XXXX. The loan provider quickly confirmed that I was eligible for a refund and processed my refund of {$19000.00}. They told me the processing time would be two weeks to 6 months. 

On XX/XX/XXXX, I called FedLoan Servicing to ensure my XX/XX/XXXX request was processed. The representative could only tell me she saw the request in the call notes and could not provide me with any additional information. 

This leaves me with great concern that FedLoan Servicing is not prioritizing these requests to process loan refunds and reinstatements so borrowers can qualify and get benefits for loan forgiveness. 

I am seeking assistance to expedite this process to ensure I can have my loans reinstated in time to apply for forgiveness before the XX/XX/XXXX deadline.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  XXXX XXXX XXXX {$610.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} XXXX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX  XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Local Data Recovery, LLC (KS)

received a phone number from XXXX on XX/XX/XXXX saying they are from lgr wanted me to verify my date of birth to verify to see what this was even about I have no idea who ldr is and I have received six phone calls within XXXX minutes on XX/XX/XXXX which is a violation of the fair deck collection act I have filed a complaint with the attorney general office of Kansas about this also I received another phone call today that was rejected by my phone sent directly to voicemail stating that I had to call if I didn't call they would send it to the shared server would come to my door and issue me a summons I've researched this account online and I found out that other people have had similar experiences as mine have they are completely in violation of the protection act as well as harassing people they will not give you any information unless you're willing to give them your personal information if they're truly were they can provide limited information such as who they are and what they're calling about or anything all they ever tell you is that regarding allegations against you but nothing specific
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

XXXX services my mortgage loan and escrows for both homeowner 's insurance and flood insurance. XXXX failed to pay the homeowner 's insurance and stated that they never received evidence that homeowner 's was paid and therefore they were going to force place insurance on me. My insurance broker called me up and informed me that the mortgage company had not paid. I paid directly the insurance premium. I called XXXX and specifically requested that they pay the homeowner 's policy. They insisted they were going to force place unless I showed them proof of insurance, even though they had the obligation to pay the insurance premium as they were escrowing for my insurance. After raising issue to a resolution specialist, I was assured that they had evidence of insurance ( even though I paid for the insurance premium effectively twice ). 

Now I just received another letter saying that there was a lapse in coverage from XXXX. XXXX was required to pay the premium ... if there was any lapse in coverage it is their responsibility. And now they are claiming that I need to pay them {$28.00}.
Consumer complaint received 2022-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PRONTO FINANCE INC. (IL)

Pronto Finance The company had my wages garnished, and the total amount was paid in addition to fees. They continue to report the account as a NEW Account each month when it is NOT a new account. This is a violation of federal law and regulation. I do NOT have a new account with this organization, and the creditor violates anti harassing law. I am demanding that this abuse and tactic be investigated. I will escalate the issue to a higher federal authority.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX  doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/2015 and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: TRUIST FINANCIAL CORPORATION (MD)

I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than 36 inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been disputing a business account that is reporting to my personal credit profile by the credit provider, I have disputed this item for some time now and have not received any documentation from the credit provider or the credit bureaus regarding their investigation process or any documentation they reviewed regarding my dispute.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

To whom it concerns, Wells Fargo and Company still have not addressed the concerns which I have reported more than 3 times now on the same issue. There was an Account for a Wells Fargo XXXX XXXX XXXX card, Which I applied for. In XXXX of XXXX, and through several different transactions, Fraud had occurred on the card. I had reported the Fraud right away as soon as I was able to determine that fraud had occurred. The card was stolen when my wallet was stolen, and I did not authorize any purchases in XXXX, XXXX or XXXX, for that matter on the card. Someone had used the card for unauthorized transactions, This was in the sum of almost {$28000.00} USD. Once I notified Wells Fargo, I was never contacted again I did call back several times on this same issue to see if someone could address the fraud with me, Wells Fargo stated they concluded an investigation and have determined It was my liability for the Fraud even though Wells Fargo, Knew I didn't have the card in my possession and states they have a {$0.00} Fraud liability policy. This issue is still ongoing. Wells Fargo recharged the card all of the fraudulent transactions, I have reached out to a few of these merchants on what I could see from the statements, a few of them being XXXX XXXX, and XXXX and XXXX XXXX. I asked the company via email if they had ever seen me use any of these apps, and gave them some of my information. The Company 's replied back saying I do not have an account on these platforms and that I never had. I sent an email back advising that Wells Fargo has numerous fraudulent charges from their company on my credit card statements during the fraudulent transaction period. XXXX told me Wells Fargo never sent them any documentation on the fraud, or they would have been more than willing to cooperate in the investigation. Wells Fargo didn't address my concerns in the last complaint and instead tried charging me a minimum payment due of {$2800.00} Which is absolutely absurd and due to the fraud they never corrected. I have tried reporting this numerous times by calling in and it never gets investigated. Per the last solution from Wells Fargo they told me because i made a payment to the account that I am responsible for the fraud. I do not believe this is a proper resolution. Wells Fargo then, Closed the Card as of Saturday XXXX/XXXX/2020, Without even contacting me to RESOLVE THE FRAUD that still is on the card and still billed to the card. When I spoke to a personal banker they advised I should definitely dispute this as if someone used the card fraudulently I shouldn't be liable for the fraud, and wells fargo prematurely reported it to the credit bureaus as deliquent and closed the card, without even cancelling the fraudulent transactions that I DID NOT COMPLETE. I am more than willing to send in an Affidavit if wells fargo requests one.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. The debt showed up on my credit report with no validation of debt or my rights regarding the debt sent to me nor was I ever contacted by the company in any way regarding this debt.
Consumer complaint received 2023-07-24
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)

XXXX. Called Transunion after troubles being able to log into the website from my computer. 

First Call : Employee number # XXXX assisted and was unable to provide a process for me to get a credit report as per my rights under the FCRA. The complaint from Transunion was that they can not provide a report to me, not even for the purpose of refuting potential fraud or misinformation. When asked for a solution, the only one offered was to send a report to an address I no longer resided at. When asked for information on the particular legal entity I was speaking to to confirm and accurately fill out this form, the phone was hung up after the response that the employee was not allowed to give this information. 

I do not have reason to believe the employee was acting out of malice. However, my rights as a credit consumer were not met and I am still unable to receive a report.
Consumer complaint received 2020-11-09
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: CBC Companies, Inc. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/XXXX I have been trying to solve a problem that I have with this company in my credit report, where backed by the laws that protect the consumer according to the FCRA, all the information shared by the companies must be accurate and precise or else it must be removed from the consumer report. 

For more than 10 months I have tried to reach a solution by sending reports by all means even sending a report directly through this CFPB portal, where unfortunately the results remain the same, the laws imposed on fair credit are not respected. 

The company XXXX XXXX XXXX, in the report it has with TransUnion, expresses that the status of said account is " account paid in full ; the a charge off ''. 

As you can see in the attached document of the company the payment history of that account is OK, during multiple occasions I have asked the company to please verify the information and it is modified, or otherwise deleted from my report. 

As you can see in the document they respond that the information is correct and accurate, which in the documentation there is nothing correct and precise because if the account shows an excellent payment history, how can it show that the account had a charge off, so I demand it by relying on the laws to the fair credit that this company in conjunction with TransUnion, take all the measures, I am notified by postal mail all the research they carry out, where they demonstrate in which month the account was in charge off, what are the months that was not paid so that the account was in said charge off. 

The account says that it was closed on XX/XX/XXXX, with an excellent payment history but in the status I see a charge off.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (AL)

I got a call from someone who said they were the CFO/CEO of kia. Then he proceeded to use profanity saying the XXXX word and calling me the XXXX. This is how men treat women in the south and I didn't have a right to be treated in such a manner. Nobody cusses at me when I didn't do anything to him. He doesn't handle complaints very well is he uses profanity to people. I will never do business with kia. I will sue for discrimination.
Consumer complaint received 2019-03-20
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: JPMORGAN CHASE & CO. (TX)

XXXX is incorrectly reporting me as an Authorized User on Chase Card ending in account # XXXX. I called Chase Bank and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX and XXXX, however XXXX  has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.