davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I've had multiple issues with random fees on my Capital One card as well as my monthly payment randomly being tripled. I've tried for two weeks to contact them, and every time I call the automated message says their call volume is too high and they can not help me at this time. It then disconnects the line. They provide no email address, and their live support is not live at all. It sends you the same phone number. I have dealt with so many inconveniences with this company from the random fees to the unreachable customer service. I've had this card for years. I'm cancelling it as soon as humanly possible and never working with Capital One again. Worst finance company I've ever had to deal with.
Consumer complaint received 2020-01-29
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. (AR)

I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX  XXXX {$540.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$1000.00} RXXXX XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2021-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

In the last XXXX months I have made XXXX seperate requests via email, phone call, text message, and chat to stop the " Pay XXXX '' feature on my account. 

This " feature '' takes overpayment ( payments larger than the minimum payment ) and applies them to future minimum payments. Creating a situation where interest continues to accumulate on larger and larger principle balances. 

The company has repeatedly informed me that the feature is cancelled, that the payments will be applied directly, and that I have nothing to be concerned about. Each time I submit a payment it just pays ahead. 

I am tired and frustrated, especially since I wasn't aware of how this worked. I feel deceived by the company.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX at approximately XXXXXXXX XXXX, I logged into our Huntington National Bank checking account and discovered that four fraudulent bill pay transactions had occurred. Those transactions are as follows : 1 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 2 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 3 ) XX/XX/XXXX - XXXX XXXX - {$9700.00} ; 4 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} -- Grand Total is {$39000.00}. I immediately logged out of my account and drove to the local Huntington Branch to report the fraud. I was clear that we did not authorize these transactions. We never in 40 years have setup or used online bill pay from any of our accounts. HNB indicated that the online bill pay was activated on XX/XX/XXXX the same day as the first fraudulent transaction. HNB Assigned case # XXXX to my complaint. I also filed a police report. I have made numerous attempts to work with Huntington Bank for the past six months regarding this matter with no success. HNB Employees simply will not communicate or return my calls. They have denied my claim stating the reason is that the device used for these transactions was an IP address which was known to them from previous transactions not made a part of the fraud claim. I have assured them that we did not authorize these transactions nor allow access to our computer for others to access these accounts. Our passwords are not saved or given to anyone. HNB can not explain why the two factor authentication codes were not triggered for these fraudulent transaction. HNB Refuses to cooperate with the police detective or us regarding this matter and simply deny responsibility and will not return our money. They have not responded to my requests to provide complete documentation of all correspondence for this case or to provide instructions for the appeal process when HNB issues an initial denial of a claim. I believe I have protections under Regulation E and that our {$39000.00} should be returned to us by Huntington National Bank.
Consumer complaint received 2020-01-29
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. (AR)

I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Once again, this has been going on since XXXX XXXX 2021. The XXXX XXXX Account do not have any account with me or for me. I have no contract with them and just learned, they do not have anything in my nor are they attempting to collect a debt in my name. Equifax is constantly stating they are working on the issue. How can you work on something that is not valid and does not exist. I have also reported this to my states attorney office as well. They can not provide a method of verification because there is no account for them to verify. They have violated the FCRA and also my rights and I will be pursuing this further. They damaging my name and reputation buy having incorrect information on my Credit. There are still 2 other complaints with you all that are open. XXXX  and XXXX  have remove the item because it does not exist.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (NY)

Dear Sir/Madam, I got my XXXX business credit card for its fuel program in XX/XX/XXXX, with Account # : XXXX and business Name : XXXX XXXX XXXX. The credit card 's spending limit is only {$200.00}. 
Unlike other gas companies ' gas credit cards, such as XXXX XXXXXXXX XXXX, XXXX  does not provide monthly auto-payment service to cardholders. If cardholders miss the monthly due date, XXXX charges {$75.00}, a very high late fee comparing with its very low credit line. Cardholders have to be very careful for making one-time only online payment by the due date to avoid the late fee. I phoned XXXX customer service to complain their lacking of auto-payment service, which is very important for cardholder to avoid late fee. However, XXXX still does not provide the important service. 
I forgot to do the one-time online payment to my balance ( {$48.00} ) in XXXX ( statement attached ), XXXX charged {$75.00} late fee on my balance in XXXX ( statement attached ). I wrote online complain to XXXX   on XX/XX/XXXX, who responded me an email ( attached ) on XX/XX/XXXX stating that I qualify for 50 % off the late, finance fee waiver. I wrote another online complain to XXXX to request a 100 % waiver of the late fee. XXXX   responded me another email ( attached ) on XX/XX/XXXX stating that I am not eligible for a fee waiver. I phoned XXXX customer service to inquire the waiver on XX/XX/XXXX and XXXX. Eventually XXXX credited {$37.00}, 50 % of the late fee, to my balance on XX/XX/XXXX ( attached ). 
Since the late fee charged to me is mainly XXXX 's failure to provide cardholders auto-payment service, I hope the CFPB could help have XXXX credit the other 50 % of the late fee to me, and help have XXXX   provide auto-payment service to cardholders for avoiding the very high late fee in the future. Thank you so much for your kind help. 
Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I was never notified of derogatory debt that has been inserted in my credit profile. I have reached out to the company " XXXX  XXXX that has reported this debt with no response for a resolution. Experian continues to report unverified/validated account into my credit profile.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (PA)

I paid the account off via the third party collect dept XXXX XXXX XXXX with XXXX as of XX/XX/2018 when the payment processed of XXXX the remaining balance of the settlement offer of XXXX. I requested a letter stating it was paid and XXXX balance finally received that from XXXX XXXX  after a month. Disputed amount due with credit bureaus to get the XXXX balance reflected but XXXX is stating I still owe XXXX and that their collection company has not sent them any information that the debt is paid and I have emailed the letter twice and been calling to speak with a manager to get this updated for the last 3 weeks with no avail. I feel like they are trying to scam me by offering something lower I pay that but they wont update my report until I pay the rest, that seems like fraud. A bait and switch.
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

First, I am a father of XXXX beautiful children and lost out on several houses due to the lack of communication, the unprofessional communication, and the misinformation provided to me by Navient. I currently have over {$230000.00} in school debt ( from XXXX and XXXX XXXX ). Last year, I was attempting to obtain the necessary information from Navient in order to qualify for a house mortgage. I needed documentation from Navient to provide to my mortgage banker to verify the amount of mortgage I could afford. My mortgage broker can confirm, that I spent several hours each week on the phone with Navient trying to obtain the correct information. It took several weeks to obtain the correct documents, which in return caused me and my family to miss out on qualifying for a mortgage and missing out on houses. The lack of professionalism and misinformation from Navient also caused the financing rates to increase ~1 % for the housing mortgage. Both myself and my mortgage banker attempted to obtain the correct documentation and loan repayment information from Navient. I even recall on one occasion, the Navient representative was threatening to hang up on me because I asked to talk with her supervisor. I can go on about how horrible my experience was and is with Navient, but words can not express how much sleepless nights I have had because of Navient. I even asked about loan consolidation to help save me money and was told I was not able to consolidate.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX has reported two different accounts on all three credit reporting agencies of which one account is completely FALSE!! They have one account stating that I have three different episodes of 30-60 times lates which they have verified that I dont.
Consumer complaint received 2023-04-06
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: REGIONS FINANCIAL CORPORATION (TX)

Last year, I bought 2 vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

XX/XX/XXXX I need these inquiries removed from my credit report ASAP. 

Thanks!
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NH)

Three to four weeks ago American Express sent the credit bureaus an " update '' on an old account that had been closed for years. The update attempted to re-age my credit and stated that the date of delinquency was XX/XX/XXXX although that was more than two years from the correct date. They then sent the credit agencies notice that it had been charged of on XX/XX/XXXX although I was never contacted and it had never appeared on my credit report before XX/XX/XXXX. I contacted XXXX  and got the date of delinquency changed but they then added a charge off on XX/XX/XXXX. They have now reported me as having missed XXXX monthly payments for an account that was closed years ago. Almost every single thing they reported is wrong and once the damage to my credit is done going back and correcting the errors does not actually fix the damage to my credit. If they had reported truthfully correctly and in a timely fashion this would not have caused such damage to my credit. I spoke to American Express and was told a supervisor would call me to discuss it and no one ever called. I have literally not received anything from these people in years and they have completely destroyed my credit over the last four weeks.
Consumer complaint received 2019-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My spouse filed Ch. XXXX the first of XX/XX/2019, she is not on the mortgage and I did not include this loan in the settlement. Immediately after Lakeview Loan Servicing LLC received a courtesy notice of the spouses ChXXXX. They promptly pull account in into their bankruptcy section, tried to overcharge me for property taxes, which wife attorney called them on. Now they are charging me approximately {$1100.00} for their attorney fees for an account that was never officially include in the actual bankruptcy. 
I tried to call them a few week after the filing when I could no longer access my account online. The representative treated me like I filed for bankruptcy ( very poorly ) and said they are entitled to take such actions solely because Texas is a common law state. I asked if I could speak to a supervisor and they said one was not available and he would re state the same policy. 
I am a XXXX  XXXX veteran and the purchase on my home has been the first benefit I have used after 20 years of service, this company has ruined this thus far. I feel this company is trying to seek fees and extort this situation just for profit, which is very concerning that is a common business practice for the 4th largest  mortgage company in the USA.
Consumer complaint received 2021-06-25
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. (IL)

Sent request regarding bankruptcy on my file with transunion XX/XX/21 and responded on XX/XX/21 with file # XXXX that the bankruptcy was accurate. On XX/XX/21 sent letter to reinvestigate and TU received on XX/XX/21 and responded XXXX & XX/XX/21 data furnisher XXXX verified information as accurate. Appalled, I went to XXXX to verify the information and during their investigation, could not verify the information as accurate themselves so in turn has deleted and removed the inaccurate bankruptcy information from there file as of XX/XX/21. On my behalf XXXX initiated a dispute with TRANSUNION on XX/XX/21 stating the results of the investigation which couldn't be verified and the bankruptcy was removed from there file, letter enclosed. So I also contacted TU with letter dated XX/XX/21 and received by TU on XX/XX/21 which included the letter from XXXX to prove bankruptcy was removed from there file and TRANSUNION responded on XX/XX/21 that the bankruptcy was verifed by data furnisher XXXX as accurate. Looks like to me TRANSUNION has ignored the dispute sent on my behalf by XXXX and my follow up to show the information should be deleted from my file also. Any investigation done after XX/XX/21 on this information would have shown the information couldn't be verified and should be deleted immediately. Either TU ignored XXXX dispute or never reinvestigated my information and just did a computer generated response.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX  I received a call I have a past due account on Dicover card which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from Discover I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Loan Servicer Mr. Cooper has collected additional payment amounts than what's allowed per the promissory note. My loan does not include any escrow payment, but their recent " analysis '' in late XXXX, led them to deduct more than my prescribed monthly contribution on XX/XX/XXXX. I tried the loan servicer 's chat to talk to someone, but got an error. I submitted a ticket through their website and got no response. After I further noted that my checking account debited had been overdrawn as a result of their higher payment, they said the issue has been escalated. It's been a week and I have got no update.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (GA)

To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CA)

I called to work out a settlement offer and the company said I have to contact progressive insurance to work out a settlement. This can not be done because it was passed on to the collection agency already. My rights allow me a settlement to fix this debt. Ad Astra only gives me option to pay in full. I called them XX/XX/2019. The amount is {$610.00} for XXXX XXXX XXXX.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

When I received a bill from Capital One I have noticed that the amount charged for the stay in XXXX did not match the reservation that was made on XXXX. 
Furthermore the charge was in US $ and not XXXX as originally made and charged. 
The merchant did not give me any receipt upon check in or check out stating only that the booking is " taken care of. '' I disputed the amount with Capital One on the phone and subsequently sent them the claim form with supporting evidence by fax on XX/XX/2019 along with mail. 

Today I received a letter dated XX/XX/2019 that the Capital One close the dispute alleging that nothing was received from me. 
This is the second time that the Capital One closes the dispute alleging that nothing was received as it is violating its own terms and conditions provided to me when the card was obtained. 
Also Capital One refused to provide an electronic way to dispute the purchase and provide the necessary evidence leading me to the conclusion that the bank 's way of handling disputes is specifically designed to deny them while blaming non receipt.