davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION (PA)

On XX/XX/2023, I received the following email from WSFS : " We recently sent you a new WSFS Bank Visa Debit Card, equipped with advanced contactless technology. Please note there was a delay in the mailing of your new WSFS Bank Visa Debit Card. If you have not yet received your new debit card, you can expect it to arrive today or tomorrow. We apologize for the inconvenience.

Its important to activate your new debit card as soon as you receive it, as your current debit card will expire today, XX/XX/2023. To activate your new debit card please follow the instructions on the sticker. '' I did not realize that the email arrived 1 day before the card was set to expire and not having received the card on XX/XX/2023 or XX/XX/2023, I tried to use the card at a vendor on XX/XX/2023. The card was declined and when I called to have the Bank honor the transaction, I was told that ( 1 ) replacement card was mailed on 1/5/203, ( 2 ) they can't honor the expired card and ( 3 ) that I should use my business card and then seek reimbursement. I explained that I did not receive any cards and that I did receive an email on XX/XX/2023 that the cards were delayed. I was told it should be there today ( it was not ) and advised to use a business card for my personal purchase. Neither the delay or the unprofessional advise is acceptable for a regulated entity. I had to incur a 3 % fee to use my credit card because WSFS did not send me a replacement card timely and refused to honor a point of sale transaction. I ask for reimbursement of {$8.00}.

Moreover, when I later stopped by a branch about this problem, I was told that many customers have come in with a similar issue i.e. that the debit card was not working.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

So my credit card with capital one is always due on the XX/XX/XXXX of every month but somehow they wait until the beginning of next month on the on the XX/XX/XXXX to add an interest in the Cash feed that to me seems a little sketchy when I have asked on numerous occasions came they change my due date to the beginning part of the month so that way I can factor and the interest rate and the cash advance fee and with my regular payment. And I asked for a copy of my new statement to be emailed to me the statement for XXXX for XXXX I was told I couldnt receive it via email last
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is for TransUnion company. I've tried to contact their customer service and was not willing to help me with getting the negative inquires off of my report. The following unknown and unaware to me inquires off of my credit report and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (AL)

The First Progress bank is completely unable to be contacted after collecting a deposit from me and requiring me to contact them to verify my identity.

Their phone line is a complete scam, every option ( none of which were press # to verify your identity ) leads to a message telling you their operating hours and then hanging up on you.

Theres no queue, no wait, no call back option, just a message that tells you theyre busy and hangs up.

So they collected money from me, found some arbitrary reason to hold up my application, and then are completely unable to be contacted.

First Progress bank is a scam, and I have already contacted my bank who are investigating. I am writing so that Americans without the resources of a bank are no longer preyed upon.

Im glad I found their predatory, money stealing practices BEFORE I opened an account with them, because they are unable to be contacted in any event.

Please do something about this predatory, sketchy bank. It is absurd that something like this is legal in America, if it is.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last Friday he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX XXXX lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and will all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX XXXX CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... 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. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... 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. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC (FL)

NOTICE OF DEFAULT ON DEMAND TO CEASE AND DESIST ALL COLLECTION ACTIVITIES OF ALLEGED DEBT, NOTICE AND DEMAND FOR PAYMENT, INTENT TO SUE, AND OPPORTUNITY TO CURE AFFIDAVIT OF TRUTH AND FACTS, SEEKING RELIEF AND MONETARY DAMAGES. This matter arises from XXXXXXXX XXXX XXXXXXXX committing security fraud by recording a tampered fraudulent mortgage with XXXX XXXX Florida on XX/XX/XXXX, XXXXThis is an action for damages that exceed {>= $1,000,000} ( XXXX XXXX ). On XX/XX/2023, XXXX XXXX and XXXX XXXX executed and delivered to XXXX XXXX XXXXXXXX a Note and mortgage, Security instruments for a loan. XXXX XXXX and XXXX XXXX hereby certifies that the mortgage, dated XX/XX/2023, executed by XXXX XXXX XXXX and XXXX XXXX, and delivered to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX is tampered and Fraud. ( attached, copies of both mortgage with tampered recording and original mortgage ). Mortgage recorded on XX/XX/2023, in Official Records Book 140, Page 251, public records of XXXX XXXX, Florida, in mortgage INSTR # XXXX. XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Title altered and tampered with XXXX XXXX XXXX and XXXX XXXX signed mortgage security instruments. XXXX XXXX XXXXXXXX and XXXX XXXX modify the physical security instruments documents by removing XXXX XXXX name and related information about XXXX XXXX after it has been signed and concluded by XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Title, loan documentation fraud. Altering and tampering with loan documentation is a serious crime. Contracts or Legal documents signed and notarized or recording for official records against real or personal property can not be altered and tampered. When it is reported that a document was forged and that the forgery was committed with the intent to injure or defraud another person, law enforcement officers and prosecutors take an aggressive stance when investigating and prosecuting these crimes. Under Florida Statute 831.01, forgery is classified as a third-degree felony. XXXX XXXX XXXXXXXX and XXXX XXXX, falsifying a notarized document in Florida to commit fraud is a third-degree felony. XXXX XXXX FRAUDULENT PRACTICES, SECTION 535. Unlawful filing of false documents or records against real or personal property. 
19. ( 1 ) As used in this section, the term : ( a ) File means to present an instrument for recording in an official record or to cause an instrument to be presented for recording in an official record. LoanCare LLC and XXXX XXXX XXXX XXXX XXXX are third-party debt collectors Under the Federal Debt Collection Practices Act ( FDC PA ).
Consumer complaint received 2019-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have contacted XXXX, XXXX and Equifax about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I closed my checking account at Chase Bank and an amount {$1800.00} was withdraw and used today balances on two credit cards which do not belong to me It was used to pay accounts ending in XXXX XXXX
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (TX)

I have attempted to contact the creditors as well as the credit bureaus directly with no resolve. Most recent attempt was today XX/XX/XXXX. Previous attempt was XX/XX/XXXX. I have frozen my accounts as well. 

XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have two XXXX showing only one correct is XX/XX/XXXX ( not correct is following XX/XX/XXXX, XXXX, XX/XX/XXXX ) Experian : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

I opened a checking account that had an online promotional bonus of {$100.00} if I met the following 2 requirements : 1 ) Minimum {$25.00} deposit ( completed XX/XX/XXXX ) 2 ) Pay a utility bill of at least {$25.00} ( XXXX & XXXX XXXX paid XX/XX/XXXX ) Customer service representative XXXX XXXX messaged me XX/XX/XXXX through the BBVA account that I would receive the {$100.00} account bonus within 90 days from XX/XX/XXXX. This has not happened. 

On XX/XX/XXXX, customer service representative XXXX sent me a message through the BBVA account that I had opened the account in a branch location, not online, so I'm not eligible for the promotional bonus. This is utterly false ; I've never even been in a BBVA branch office.
Consumer complaint received 2021-07-15
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: FIRST HERITAGE CREDIT LLC (TX)

I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

The mortgage company refers people to HUD if they need help at the beginning of the call. However, the agent makes it clear the government makes them do this. They dont actually accept help from the programs they referred me to. Instead they give me XXXX options sign new mortification increasing the payments and restarting the 30 years. Are they allowed to refuse help I was approved for. The only document that AHEAD needed was a loss mitigation statement and the Carrington representative insisted there was so such thing. How can they ignore this and ultimately force me into a worse financial situation. They want to foreclosure so they can have th equity.
Consumer complaint received 2019-01-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Have been faxing since XXXX XXXX XXXX on loan, signed POWER OF ATTORNEY AND GRAND DEED TO XXXX XXXX both ON LOAN MODIFICATION APPLICATIONS!!!!!!!!!!!!
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Texas Guaranteed (TX)

My part-time employer, with whom I do NOT share and office, and for whom I do NOT have a work phone, received a voicemail for ME SPECIFICALLY and PERSONALLY with personal information in the voicemail. I have the transcript of that voicemail. This was on her personal cellphone, not some office number - there is no office number. 

They used my NAME and left DETAILS. That is horrifying. I have a screenshot of the transcribed voicemail.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (FL)

My vehicle was totaled on XX/XX/2019. Accordingly, there was an insurance payment made by XXXX XXXX to payoff the loan on XX/XX/2019. The lender, PNC Bank, received the payment on XX/XX/2019, but failed to process the check.

On XX/XX/2019, PNC claimed the check was mailed to the wrong address. I notified XXXX XXXX and they cancelled the check and reissued another. XXXX XXXX called to confirm the address and it was the same address the first check was sent to.

The second check arrived XX/XX/2019, but PNC is not processing the payment.

They refuse to provide information on the delays. As of today, XX/XX/2019, they have been in possession of funds for a total of 33 days and stating it could be at least another 10 days before they know anything.

I believe they are either incompetent, or worse, approaching insolvency. Their staff can not provide information, stating " it's a different department '' when I attempt to discuss. Other members simply fail to return calls altogether. I have communicated with : XXXX XXXX - XXXX   XXXX ( XXXX ) - XXXX XXXX XXXX - XXXX And XXXX XXXX XXXX ( Supervisor ) refused to speak with me.

This failure to process my payoff is abusive and has cost me additional monies. In addition to Per Diem fees accruing daily, my insurance carrier terminated my rental coverage when payment was received at PNC. The rental termination cost me {$440.00} in non-covered rental fees.

Additionally, I am still without transportation, and will be until this loan is paid off, which is creating a hardship on me and my family.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I saw a promotion on Capital One website for Savor card. Two of the features attracted me at the top of page were {$200.00} cash bonus and 0 % interest for 15 months. I read the details of the terms carefully and was confident I was eligible for this promotion. I followed the instruction on the page and clicked Apply Now button to start application and completed successfully. I got approved immediately. I also downloaded and saved the webpage the same day. Attached please find a copy of the webpage. 
After I received my card I spent {$500.00} on purchase to meet the requirement for the {$200.00} bonus. For the 0 % interest offer I setup auto-pay for minimum payment. However, on XX/XX/XXXX I found there was a {$5.00} interest charge posted on my account. I called Capital One immediately and was told the promotion offer I applied for was not attached to my account. 
Trying to find out why the bank did not offer the promotion they advertised, I talked with two representatives on the phone on XX/XX/XXXX and anther one on XX/XX/XXXX. I was given three completely different answers. The first one told me my credit score was not excellent for the promotion. The second one, his supervisor, told me because I had Spark business card when applying for Savor card. The third one told me because there was no promotion for this card. All of the three answers are false. Please refer to attached copy, there is no credit score requirement in the terms on the webpage. The terms do not say having another different credit card would prevent you from getting the promotion on Savor card. The webpage shows clearly there was promotion for this Savor card. The webpage was downloaded the same day when I applied. The downloading time of XX/XX/XXXX XXXX pm is clearly shown at the top left corner of each page. Even the first two representatives admitted there was a promotion for this Savor card.
Consumer complaint received 2019-01-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (FL)

XXXX XXXX There is a BANK called XXXX  which main Company are in XXXX Texas XXXX. 

This Bank acquired a REVERSE MORTGAGE on my Property at XXXX XXXX XXXX XXXX in XXXX FL. XXXX under my name XXXX XXXX about more than 5 years ago, and under the account # XXXX. 

As having a Reverse Mortgage I do not pay any monthly Mortgages Payments I just Paid annually the Property Insurance and the Property Taxes. 

It seems that there was a balance of {$680.00} that I was owing to this Bank XXXX  but this BANK never let me know about this balance. I just knew about it three ( 3 ) days ago when I received a letter from a lawyer from XXXX telling that my house was going to be foreclosure and this Lawyer attached to his letter a Filing # XXXX filled for a Lawyers from XXXX XXXX Company named XXXX, XXXX XXXX XXXX XXXX phone # XXXX. 
This lawyer Company also never made a server to XXXX XXXX of this Filing for a NOTICE OF LIS PENDENS. 

When I XXXX XXXX received this letter from this XXXX 's Lawyer I asked my neighbor Named XXXX XXXX to read this letter as It was in XXXX and I only speak and read spanish. She told my that a BANK is trying to foreclosure my Property and my neighbor inmmediately called the XXXX XXXX and asked what happened?? 
Then a Representative from XXXX  told my neighbor XXXX XXXX that I was in default and owing this BANK the small amount of {$680.00} for a balance on a Property Taxes of the Year XXXX. Then the same day XX/XX/XXXX I get a CASHIER CHECK for {$680.00} and mailed by certified mail directly to the address the Employee from XXXX  told my neighbor. My neighbor told them that XXXX XXXX never ever received and statement from the XXXX XXXX that he was owing this money.. And never ever received a summon o a server from the attorneys XXXX, XXXX, XXXX XXXX XXXX. 
Then without any information from the XXXX XXXX in Texas and from the lawyers in XXXX XXXX, this BANK is trying behind my BACK to foreclosure my Property that has a REVERSE MORTGAGE from the Goverment. 
This is the complaint I would like to place with the CFPB because what this BANK XXXX  and the lawyers from XXXX XXXX they are trying to make me is a kind of FRAUD against me and my Property as I XXXX XXXX stated that never ever received any information from this BANK that I was behind or owing any MONEY to them. 
Then they are trying to FORECLOSURE my Property to a man o XXXX years OLD. 
I am enclosing support documentation and a copy of the check for {$680.00} I mailed to them on XX/XX/XXXX when I knew from the BANK I was owing this money and with a certified and return receipt letter. 
The BANK never ever sent me and statement notifying me that I have a debt with them. 
Thanks, XXXX XXXX XXXX XXXX/ Legal Representative XXXX ( XX/XX/XXXX )