davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

You have committed a Trespass by way of Material Misrepresentation, Fraud, Negligence, and Identity Theft pursuant to XXXX XXXX XXXX ( q ) ( XXXX ) and, Texas XXXX and XXXX XXXX XXXX XXXX. You are a financial institution, and data furnisher who shared, disclosed, and transferred, my nonpublic personal information, personal identifying information, and identifying information to a nonaffilliated third party, and consumer reporting agency without my consent pursuant to XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX XXXX, and Texas XXXX XXXXXXXX XXXX XXXXXXXX. You did not legally obtain consent to sale, transfer, or disclose any account information, or nonpublic personal information with any other third party, or nonaffilliated third party as regulated by XXXX XXXX XXXX of the XXXX XXXX, XXXX. Additionally, you failed to provide me with FULL disclosure regarding your intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of XXXX. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I paid American Express a total of {$1700.00} in Membership fees this card member year. Due to an unwarranted account closure I am not receiving the spending ability and the associated benefits that I have paid for. American Express stated " We are unable to credit the Annual Membership Fees In the last year, the Cards that were billed Annual Fees are listed below. These accounts are ineligible for an Annual Membership fee credit '' I am unsure what this is supposed to mean, it is akin to saying " We are unable to return your money that you have given to us in return for goods, though we have never supplied the goods as promised '' Annual Membership Fees are charged to the consumer so that the consumer is a able to take advantage of the perks and other related benefits of that credit card, not so that the bank can take the consumers money and not provide the benefits of that card. American Express states " In your complaint you referred to the annual fees you had previously paid on your accounts and that you would like them to be refunded. Per the terms of the Cardmember agreement ( CMA ) that you agreed to when you used signed or kept the cards, the annual fee may be refunded if you voluntarily cancelled your accounts within the billing period the annual fee was billed. Since the accounts were not voluntarily cancelled by you no refunds are due for the annual fees previously paid ''. Practically speaking American Express is stating they can decide to shut down any consumers account after the consumer has paid the annual fee without recourse. To me that sounds illegal and unethical ; to be able to shut down a consumers account at whim after charging the annual fee without having and or proving a valid reason for the shutdown. Especially in my case, where the reason for shutting down my American Express account has been proven false and unfounded. I hope that the CFPB can take the necessary action against American Express for the unwarranted closure of my accounts and for falsifying information
Consumer complaint received 2019-09-26
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 have an issue with the way Experian is handling my investigation requests..I disputed the accounts I noticed that had inconsistant and inaccurate information about me on my credit. I wrrote to Experian over 7 times and they have NOT performed the investigations at all .. The other 2 bureaus DELETED the accounts listed and wrote me. Some of the companies I disputed wrote me too. I pulled a new credit report from Experian and they are the ONLY company still reporting the information on my credit. HOW? I know they have ignored my requests which is a direct FCRA violation and this manipulation of my score is causing damage and harm. I am incurring postage fees and spending money I dont have to make Experian comply. I am writing CFPB for help with this issue and a record of them receiving my complaint before I have an attorney review this case. I do not think this is right and I will find out if Experian is targeting me.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

During COVID my wife was unemployed due to XXXX, so I requested Forebearance from my lender XXXX XXXX XXXXXXXX which I was approved, this lasted 18 months. after 18 months the bank gave me XXXX XXXX XXXX, I declined it because I thought modification would be better for me. I started modification application back in XX/XX/XXXX, every week the bank will ask for more docs, finally XXXX  XXXX XXXX sold my loan in the middle of the Modification process to Selene Finance on XX/XX/XXXX. 
Since Selene took over servicing of my loan I've been sending them docs and more docs, on XX/XX/XXXX I received letter indicating DECLINE of modification due to lack of income and giving me XXXX options : Short Sale or Deed in Lieu. I appealed their decision using their Modificaiton Appeal Form on XX/XX/XXXX using my XXXXXXXX XXXX income whoe lives with me for {$4000.00}. I called today XX/XX/XXXX to get a status I was told that the Appeal was declined too. Meantime I've received in registered USPS mail twice indicating Notice of Default and Intent to Accelerate.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NM)

Hi, I contact you because I need your help, My Bank took from our account the amount of XXXX dollars for an alleged fraud ; On XX/XX/ 2017 a check was deposited in our account from the same entity for this amount for a job I do, the money remained for about 15 days in my account until I need it, now after almost two years the bank withdraws from my funds this amount saying that the check had a report of theft and that it was badly endorsed, this before being deposited, it is assumed and I already made them notice, that they should not have taken this check first for the report it already had, second because the endorsement did not belong the check of themselves and third party without having asked to identify the person who deposited it, now they want to make me guilty and they tell me that they do not know why they did it but that the bank has every right, it is not fair to me, it's a lot a money to lose it so I come to you to help me with this injustice, my family and I are desperate. 

Thank you very much for your attention and help, I await your response.
Consumer complaint received 2024-02-07
Product: Credit 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: NAVY FEDERAL CREDIT UNION (CA)

I have disputed a charge with Navy federal. A transaction on XX/XX/XXXX for {$640.00} with this merchant, XXXX XXXX XXXX. We got charged for transactions I did not place at the restaurant. XXXX XXXX is not helping me resolve this mistake and is still charging me this erroneous balance.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (CA)

On XX/XX/2022, I called Direct Express to get a balance on my social security money. When my balance said, {$.00} I was upset as to what happened to my money, so I checked what my transactions were and when hearing that {$380.00} was taken from my account, I dialed for the fraud department to report that I didn't take that from my account. I was told by a rep. that the money was taken from an ATM at XXXX XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/2022. I responded with, " That is impossible, I have my card here at home with me and have for days, as I lost the keys to my car and couldn't go anywhere and have been sick in bed for a week. '' I was told they would send me a fraud application in the mail and it would be here within XXXX to XXXX business days, and I was to fill out the paperwork and mail or fax it back to them. When I asked how someone could use my card anywhere when it was in my possession, I was told that cards are being " cloned '' and criminals are taking information off consumers cards and putting it on cloned cards. 
To say the least, I was amazed that this could happen. I was also told that they would be investigating after they recieved my fraud application. I asked if I could expedite the investagation process, as I only had {$.00} in my account. I was told what information that I was to provide in a letter from me and to fax that letter to them. I did write the letter and fax it to them, on XX/XX/2022. On XX/XX/2022 Dirct Express emailed me their decision on my case and denied me my money back and closed my case. I called them and spoke to, XXXX in the fraud dept. When I asked XXXX why they closed my case he said they would mail me the reason with documents as to why my case was denied and closed. I asked him to explain to me what was written in a letter I recieved from them via, email on XX/XX/2022. He said that was impossible, that they did not email me, that they do not email anyone in fraud cases. It wasn't impossible because I was reading to him what was written in a letter from Direct Express while we were talking on the phone!!! 
This whole investigation is a " Sham '' and I wouldn't be surprised if my money was taken by them and not a XXXX Bank ATM in XXXX XXXX. 
Since this case was closed I reviewed my transactions again and found that another {$460.00} was stolen from my account on XX/XX/2022 and I have filed a new fraud case on that money. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I want to complain to the Capital One credit card embezzlement department and illegal operation. I applied for a credit card with a limit of XXXX, but it has been locked for two or three months. They have no reason to propose that I have embezzled, but my credit card has been I always called the customer service to lock the credit card. From the first time I received the new card, the card was locked and not allowed to spend until the bank sent me the link and then I uploaded the ID card. To be locked, it was locked five times in a row in just one hour, and I continued to call for verification, and the verification passed every time, but this credit card has been locked for two months. Moreover, the relevant information they requested was uploaded one by one. Without any reason, they have been looking for any irrelevant reasons to shirk responsibility. I would like to ask the relevant department to investigate the bank credit card department, and even if there is no reason, the phone will not answer. Ive delayed my phone call and closed my account. The bank did this to mention my credit report to extract my personal information. This caused me to file reports a lot, my credit score dropped, and it took me so long. The relevant departments are urged to investigate the facts.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (GA)

I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help
Consumer complaint received 2021-02-15
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. (GA)

I have asked the third party in many occasions to provide proof of any documentation of accounts I'm disputing be sent over to me. I haven't got the right proper response ever since the investigation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America charged me an interest fee charge of {$47.00} on XX/XX/2019 for credit card balance of {$3900.00} due on XX/XX/2019 according to the statement dated XX/XX/2019. On XX/XX/2019, I made a payment of {$4800.00} before the due date of XX/XX/2019. The balance left was {$260.00} as of XX/XX/2019 because this was a pending charge therefore I could not included it in my payment. 

On XX/XX/2019 Bank of America statement shows a second interest fee charge of {$50.00} for a balance of {$260.00} which was due on XX/XX/2019. 

I called them on XX/XX/2019 and talked with XXXX. 

He stated they charged me the second interest fee for the balance carried from XX/XX/2019 to XX/XX/2019 but I emphasize that the due date for that balance ( i.e. {$5100.00} XXXX was XX/XX/2019. As I mentioned above, I paid {$4800.00} on XX/XX/2019. Therefore I should not be charged interest for it.
Consumer complaint received 2019-04-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (NY)

In XX/XX/XXXX I applied to XXXX XXXX  to refinance my Ditech mortgage. 
I was approved for the loan in the amount of {$260000.00} at an interest rate of 5.375 %. Ditech was contacted several times by me and XXXX XXXX beginning XXXX XXXX in an attempt to secure a payoff amount for my current mortgage. The representatives at Ditech were aware that I was attempting to refinance my loan and assured me that payoff information would be sent to XXXX XXXX in a timely manner however, that was not the case. My original closing date was XX/XX/XXXX but Ditech failed to provide the payoff information before the closing date. After numerous attempts get payoff information by myself and my representative from XXXX, Ditech finally sent the information on XX/XX/XXXX with a payoff amount of {$380000.00} which included a daily per diem interest rate of {$1300.00}. Needless to say my loan through XXXX was rejected and I am back into foreclosure with Ditech. I truly feel that if Ditech had processed my request in a timely manner I would have been able to secure the loan through XXXX. 

Anything that you can do to assist me with this situation would be greatly appreciated.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  - CARD SERVICE XXXX Balance : {$11000.00}
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (OK)

I opened my checking account on XX/XX/19. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : two direct deposits of {$500.00} or more and ten debit card transactions. I met and exceeded these requirements which has been confirmed by the bank on multiple occasions via phone calls to customer service. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/19. I began calling to inquire about the status of the promotion I believe in early XXXX, giving them a few weeks of leeway time after the expected date to receive the promotion. After multiple phone calls over the past month, each representative has told me that I do indeed qualify for the promotion but to keep checking my balance on the following Wednesday morning because the promotions are dispersed on Wednesdays. So each Wednesday I would monitor my balance and see nothing had changed. They keep claiming that they have escalated the issue but nothing ever happens. No one has ever reached out to me to describe the problem, if any. I feel like this promotion was a bait and switch and they never intended to pay out the promised promotion.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (DC)

On XX/XX/XXXX I requested information about a personal loan from XXXX. 

LendingClub was a company with a robust online profile who seemed like a reputable lender. 

I submitted my application on XX/XX/XXXX and received a notification asking me to complete my application with the last step being for me to verify my bank account with a voided check. 

This enabled me to view a Truth in Lending Disclosure so my wife and I could discuss whether or not we actually wanted to proceed with this loan. I can not view this disclosure until I complete my application. LendingClub considers a completed application grounds to fund the loan immediately. That is not clearly disclosed. 

On XX/XX/XXXX I received an email saying my loan was approved and it would be funded in 2-3 business days. Being a XXXX funds were not deposited until XXXX 

LendingClub says that loans may be cancelled within 5 business days of the loan being funded. 

They do not provide a way to cancel your loan within any of their disclosures. On their website they say I may cancel a loan from Monday-Friday from XXXX - XXXX XXXX time. 

The money came into my account on XX/XX/XXXX. I called in on XX/XX/XXXX because I was not able to call on the XXXX and XXXX. The representative said my loan will be canceled. 

Money was not withdrawn from my account. After following up twice LendingClub on XX/XX/XXXX & XXXX will not cancel this loan because they say I needed to call in and cancel on XX/XX/XXXX. Any time after is considered more than 5 calendar days. 

Repeated requests to speak with a supervisor were delayed with excessive hold times and they promised email follow up on XX/XX/XXXX which was never provided. 

How am I supposed to understand my true cost for taking out their personal loan when doing so commits me to moving forward with their financing product. 

As a XXXX XXXX XXXX it is shocking to see that this company is not required to evaluate my ability to repay the loan. A simple debt to income calculation would indicate this as an unreasonably high cost product the manner in which the funds are distributed are intentionally predatory.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

I have been trying to access my credit report so that I can apply for a credit card. I havent been denied for multiple, and come to find my information hasnt been updates since XX/XX/2017. I have been working for the last two years, and have been renting a house. I can't access any online tools because my reports all say " error loading '' " unable to show your report '' and when I try to contact someone, it's all a bunch of XXXX. Robots or comments left to never be answered. Spoke to a man on the phone who is sending me a mail copy BUT THAT DOESNT CHANGE THE FACT I CANT SEE IT ONLINE OR UTILIZE MY ONLINE TOOLS. I NEED my report and my whole life is getting ruined because nobody can just take two minutes to help me! Upon the security questions I am being asked about accounts that arent mine and therefore not " passing '' PLEASE HELP ME. The companies involved I ALREADY CONTACTED but sure go ahead, its XXXX, XXXX, and XXXX