davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (GA)

I have a credit card from XXXX XXXX and they do not credit my account in a timely manner. I made a payment on my account on XX/XX/XXXX it cleared my bank on XX/XX/XXXX and they did not make the credit available on my card until XX/XX/XXXX. I did not question this very much I just thought that was a standard practice since the account was new. However, when I made another payment on XX/XX/XXXX it cleared my bank on the same day XX/XX/XXXX they will not make the credit available until XX/XX/XXXX. I have contacted them and they say it is to ensure that the payment is not returned. I contacted my bank and they said with things being paid by ACH it is all electronic and that the payments are not returned. I feel that this is very extreme to wait ten days to release the available credit on my account. I am trying to rebuild my credit so if I now close this account it will affect my credit score and I refuse to pay an annual fee for a card that is virtually useless. I am not sure if anything can be done, I feel that this is wrong and needs to be corrected. 
XXXX XXXX
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (GA)

This vehicle was reposed during the time I had a lost was a severe accident which i could was hospital bound and disoriented for months. I contacted Wells Fargo Dealer services at the time when i was able to talk about my situation and advised them due to my XXXX i could not continue to pay for the car because i was out of work. That they would sympathized because prior to the accident i made every payment on time and their car was not involved with the accident. The Representative said i would be taken care but they would have to get the car back but due to the circumstance that would not continue to put it on my credit. I was happy but .. i began to get more ill and when I finally did recover enough to get my affairs in order everything changed when i contacted wellsfargo again. Even they got the car back they are still reporting things on my credit and They were rude and said they have know knowledge of it. Please help me
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Good evening. I was reviewing my XXXX inquiries and noticed that an inquiry under the name Cbna/bby appears for the date of XX/XX/2017. I would like to state that I had stated to the Best Buy employee that I had no prior existing credit whatsoever and yet was still told to proceed with the application which was then denied. I believe this act was unjust on the best buy employee 's end because I was mislead into thinking I would even be approved for store credit in order to purchase the item in payments ( which I actually had the cash in hand for ). It is not fair that a store would still have a teenager attempt an application in effort of them to attempt to receive another account receivable who would have to pay a higher interest on their purchase.
Consumer complaint received 2023-07-20
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: PNC Bank N.A. (MO)

I contracted to get a loan with PNC through a dealership and my first payment was due XX/XX/2023. I log into the website XX/XX/2023 and request that my personal banks information be linked to my account. The bank notified me their processing time would be longer than I had to make a timely payment - thats easy, I make the payment over the phone. 

On XX/XX/2023, I received an email from PNC including my name, my banks name, my bank account number, the character of my bank account, and several other key data points in an unsecured, unencrypted email. I recognized this as enough information to compromise my identity and have incessantly reached out to PNC for resolution, and they done very little to nothing in the last XXXX business days. 
I confirmed with them that this is not their standard business practice. 
I confirmed the origin of the email is PNC - meaning it isnt a phishing attempt. 
I confirmed that it is their policy to redact account numbers in electronic communication. They simply did not and couldnt explain why this incident was different. 
The only thing they have done in XXXX Business Days is continue to escalate the matter internally, while my information continues to be compromised.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

I filled a complaint against XXXX XXXX  who bought XXXX XXXX. 
Back on XXXX XXXX XXXX approached to me ( I was ok with my original Mortgage with XXXX XXXX ) I bought my house for XXXX dollars back on XXXX. 
XXXX came over, valued my home at XXXX XXXX dollars. I thought was insane but they gave me all the appraisal documentation and lend me XXXX dollars in a XXXX which according to them it be locked at a low rate. 
I filed a claim through CFPB and looks like XXXX XXXX just send it to collections to a company called Fay Servicing. 
This was a predatory loan. 
I ask for this loan to get removed. 
Its my home and I have paid now more than the cost and not only that. My home is worth way less than what they claim. 
The house is worth XXXX dollars and according to them I owe XXXX XXXX dollars. 
I had to declare bankruptcy on XXXX because I just could not pay XXXX dollars a month instead of the original XXXX I was paying. 
THIS WAS A PREDATORY LOAN AND I AM LOOKING TO GET MY SANITY AND FINANCES BACK TO TRACK. 
I DEMAND FOR THIS LOAN TO BE REMOVED.
Consumer complaint received 2018-04-08
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 (NE)

I have XXXX XXXX credit card with a {$200.00} limit i used XXXX leaving me with a balance of XXXX when my bill was due I accidentally sent XXXX instead of the XXXX that was due. They received the payment but still said I owed XXXX dollars and i also paid the XXXX and my available balance went from XXXX to XXXX for no reason at all. I tried to call I was on hold for 2 hours and no one ever answered and there is no online help. XXXX   is the website there very little contact information and no direct phone line. They are on my credit report showing I've only made the initial deposit. I've given a total of {$430.00} including the {$200.00} deposit at this point I just want my money back and to close the account but I can't get a representative on the phone. I also moved and could not update my info on the website as it saved my address wrong in the system after I applied.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

After XXXX 's security lapse I froze my credit account through an online automated system without the help of a real person. I have tried and tried and tried to speak to a real customer service representative at XXXX to temporarily unlock my credit but get nothing but automated responses. After an hour of truly agonizing and frustrating calling of various phone numbers posted, I got nowhere. I 'm sure you as the reader of this complaint have been in the same situation with some corporate giant. These companies must be held accountable and easily accessible since they control our lives. Please help force these companies to be responsible not just profitable.
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (UT)

I recently had my credit pulled and noticed that Equifax was not providing me with a score. I have multiple lines of credit open that report to them so I'm not sure why they're not providing me with a score. They are the only credit bureau that aren't providing me with a score and I need one immediately to begin my home buying process.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BANK OF AMERICA has stolen {$3000.00} of my money and will not give it back for more than a week. 
On XX/XX/XXXX I deposited a {$3000.00} check drawn on my checking/debit card account at the XXXX XXXX in XXXX. I deposited this {$3000.00} check into the Bank of America ATM in XXXX XXXX and the check was printed on my receipt with a 10-day HOLD. On XX/XX/XXXX I called my XXXX XXXX  to stop payment ( because I would have the bank issue me a cashiers ' check to deposit instead ). The XXXX XXXX informed me that the {$3000.00} HAD BEEN WITHDRAWN. 
I went into a BoA bank and was referred to a " risk assessment '' department and I called several different BoA phone numbers including the one on the card ( XXXX ). I got the same story from everyone : Bank of America will NOT GIVE ME MY MONEY UNTIL XX/XX/XXXX even though they got it two days ago! 
FCPB has just told me on the phone that BoA has 15 days to respond to this complaint. What a disappointment!
Consumer complaint received 2020-02-06
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. (CA)

I've recently checked my credit report from Experian, XXXX, and XXXX   and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX  XXXX XXXX fraudulent account ( Acc no : XXXX ) was disputed and deleted in XXXX of 2019. However, Experian, XXXX, and XXXX  reinserted the fraudulent account after seven months without notifying me.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

XX/XX/XXXX I received an alert from my credit monitoring service of Portfolio Recovery Associates, LLC attempting to collect on a debt that I do not owe. Account number XXXX XX/XX/XXXX I sent a certified letter requesting debt validation. The letter was received and signed for on XX/XX/XXXX by someone named XXXX XXXX. 
XX/XX/XXXX I emailed XXXXXXXX requesting debt validation. I received an account summary dated XX/XX/XXXX which states VALIDITY. Im not requesting validity my request is for DEBT VALIDATION. 
XX/XX/XXXX I emailed XXXX requesting debt validation again. Once again I received a letter dated XX/XX/XXXX from the Disputes Department as an account summary. My request is for DEBT VALIDATION XX/XX/XXXX I emailed XXXX once again requesting debt validation and to advise them I would not accept an account summary as debt validation. Its a big difference in the two. 
XX/XX/XXXX I emailed all three credit bureaus advising them that Ive requested debt validation from Portfolio Recovery and as a consumer debt validation must be provided. 
XX/XX/XXXX I sent yet another certified letter which was received and signed by a XXXX XXXX. No response as of today. 
Ive used every resource provided by the credit bureaus and Portfolio Recovery to get this inaccurate information removed from my credit report.
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (NC)

I have been unable to get a credit report from Equifax since the data breach. When I checked into the matter, I was told that somehow an incorrect Social Security number was put on my account, and I could no longer see my information unless the matter was resolved. Their representative wanted me to send a copy of my Drivers License, Social Security Card, and all of my mailing information by fax to them. My account information was already lost due to their data breach, and someone else now controls it. I finally sent the information to them to have the matter resolved, and still no success. Trying to get Equifax to correct their mistake is impossible. All I get is the run around, and the last customer service agent basically told me I was out of luck getting my report corrected by them. Now I found out that my information was found for sale on over 100 dark Web sites, and I have no way to see what is being reported on me by this company
Consumer complaint received 2023-08-23
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: Duvera Billing Services, LLC (MI)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I would like to pay off my car lease. But NMAC/XXXX XXXX has blocked my online account, making that impossible. When it was active, ( before XXXX XXXX closed it ), I deliberately changed my permissions, so Nissan would stop calling me over and over, with people who are such " hard salespeople '', I feel I can not trust and have not given me the whole picture. Since I have cut off phone comunication, NMAC Finance is perfectly welcome to communicate with me in writing through the mail. 
And yet, no letter has arrived. Though I keep receiving unwanted call after call after call. Yes, we have business to complete. It sending late messages to my credit report. Yet it not allowing me to pay. I would like to do that. How can a company hit your credit repeatedly, without even sending a letter about it? Especially over a few thousand dollars. This is ridiculous. People can be ruined while NMAC sits by and believes that debt-collecting houds are a proper way to do business. All I want is for them to contact me in writing and to pay them. In the latest call, I can not even tell if the rep could accurately capture what I was talking about, based on his English. ( And I am very much ok with foreign call centers in general ). 
But I do know that Nissan should not be calling me, and that I WANT to pay Nissan Finance, but Nissan Finance appears to be deliberately making that impossible.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (FL)

I have spoken to XXXX XXXX XXXX several times and was told the debt was discharged and they are no longer collecting on the debt. I called the original creditor and was told I had to speak to XXXX XXXX XXXX. I was told time and time again that the negative remark and balance would be removed from my account as they would not accept a payment. This negative remark has not been removed. I've been told for months it would take one additional month and still nothing. 

Since XXXX XXXX XXXX will NOT accept payment as it is discharged, please remove the negative mark on my credit report.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third ( 53 ) Bank solicited for XXXX ( XXXXXXXX XXXX XXXX ) account by sending a mailer to my home. I opened the account and initiated a XXXX transfer on the Fifth Third ( 53 ) Bank website. 

Fifth Third made verification deposits into the my account at XXXX, I verified deposits on the Fifth Third website. Fifth Third pulled funds from XXXX. 

Fifth Third decided to close my account citing that i can not transfer funds from business account into XXXX XXXX XXXX XXXX XXXX  ) account and promised to return my funds with in 2-3 at their Branch on XXXX XXXX XXXX 

I have been trying to trace my money since XX/XX/XXXX and Fifth Third ( 53 ) Bank has not returned my money. Fifth Third ( 53 ) Bank customer service has treated my requests with vague responses without any concrete steps.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (IL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2019-04-11
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: CL Holdings LLC (OH)

I worked to resolve this issue with the company at the end of 2018. It was understood that the items would be removed if they failed to provide the required documentation with the 30 day window per the FCRA
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously submitted a Police Report and FTC report because of identity theft. I am trying to purchase a home and there are still items on my report that do not belong to me : XXXX XXXX
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (KY)

On more than one occasion my bank ( Chase ) has charged me multiple overdraft fees towards my account. And it has to do with the way they process charges as they hit my account. They will take the largest item first, which will overdraw my account, and then charge smaller items afterwards. Back on XX/XX/XXXX, this very same thing happened. We had a balance of {$130.00} and I had 3 charges come in to my accountone for {$350.00}, one for {$69.00} and another for {$46.00}. The bank ran all of these in that order and subsequently charged me 3 overdraft fees in the amount of {$34.00} each. When I called to complain about this practice they said they do it that way because they feel that larger items are more important items like house payments, car payments, etc. The bank has reimbursed us before for this practice, but told me this is a one-time courtesy and will not do it again. 
Had those charges been done in reverse order, we would have had only one charge. In my opinion, as well as the rep from your agency, this is a shady business practice and a way for a bank to make more money off of people struggling to make it through until payday!! 
And this continues to happen to this day
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (GA)

Im filing this complaint to have these 6 fraudulent inquiries deleted off my credit file I have not checked my credit and I want these inquiries removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are fraudulent, I have checked my credit and now I have credit freeze, im asking for these inquiries to be removed asap, I am a victim of identity theft I would appreciate that these be taking off my credit report thank you!

And no fraud alert, do not add a fraud alert, I have a credit freeze instead. 

XXXX please remove these fraudulent inquiries off my credit report im sending a screen shot of those inquiries and a police report that filed.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Hello, several months ago I called Capital One to update my name from XXXX XXXX to XXXX XXXX XXXX ( my name changed due to marriage ). I provided Capital One with all required documentation. My name was changed successfully - I was issued new cards with my correct name for all of my credit cards and debit cards. 

My husband called Capital One about a week ago to request new checks on our joint Capital One Interest Online checking account. We received the checks earlier this week. When we reviewed the checks, my name was spelled incorrectly with the former spelling ( XXXX XXXX ). 

We called Capital One to inquire as to what happened. We were told that while my name was updated for all of my credit cards and 360 bank account, the name was not changed with the Interest Online checking account. So we asked the rep to simply look at the existing accounts that I have and make the name update, to which we were told Capital One can't do that without proper documentation ( marriage certificate and drivers license ). We advised the rep that we've already worked with Capital One to provide everything needed for all my other accounts and the rep advised that he still couldn't do it because " the procedures for the Interest Online checking account are different ''. 

I've attached a copy of my marriage certificate and drivers license to this complaint. I'm not sure why one area of Capital One can not talk to the other, but can someone please update my name on our Interest Online checking account to XXXX XXXX XXXX and reissue us a new set of checks with the correct name? 

Thank you.