davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XX/XX/2021 - Received confirmation that XXXX received file for loss mitigtion and requested missing documents which I promptly sent ( email digital trail ). 

XX/XX/2021 - XXXX emailed requesting Property Tax Bill and proof of Homeowners Insurance which were not on the original request for documentation. 

XX/XX/2021 - I called to follow up because I had not heard from XXXX. I was told that they had received to documelntation but they had not processed the documents and would expedite. 

XX/XX/2021 - XXXX asked via email for the same documents I had already sent which XXXX had already confirmed received. I was transferred to collections who did not receive documents and replied " We can not complete our evaluation of your application unless we receive additional information. '' I resent documentation. 

XX/XX/2021 - I phoned XXXX early morning to confirm receipt which XXXX confirmed XXXX 

XX/XX/2021 - Received letter regarding our " XXXX missed mortgage payments '' and to contact XXXX at ( XXXX ) XXXX. Impossible to get through. Phone records show the many attempts I tried. I was able to get to castellcustomer service but impossible to connect with Loss Mitigation. I asked Customer Service to have a supervisor call me multiple times often waiting for an hour on hold before their system cut me off ( phone records ). 

XX/XX/2021 - Sent missing application with request to exit from the official forbearance plan. 

XX/XX/2021 - XXXX sent letter stating that I had been assigned a Mortgage Resolution Advocate, XXXX XXXX who never contacted me and I was not able to contact XXXX. 

XX/XX/2021 - I was assigned a new Mortgage Resolution Specialist, XXXX XXXX ( XXXX XXXX ) who was supposed to contact me within 5 days. This did not happen as seen by incoming calls on phone records. 

XX/XX/2021 - Received letter requesting additional information not in first XXXX requests. Paystub and P & L statement which were not applicable. After many phone calls, it was declared by XXXX that the underwriters had misunderstood the last paragraph in our written statement. 

XX/XX/2021 - We received a copy of the appraisal. 

XX/XX/2021 - Another letter about our now XXXX missed mortgage payments. 

XX/XX/2021 - I had been checking myloancare.com portal every day to check on status and saw that XXXX confirmed receipt of complete application and was sending to underwriting. Stated that I would receive packet in XXXX days with exit plan. 

To date, I have not received anything. In following up, I was told that myplan was with their law firm for final approval and XXXX would check on status and let me know within 3 to 5 business days. I haven't heard anything to date.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Was notified via email that my savings and checking were below my trigger balance. Checked accounts and they were put on holds with XXXX balance available to me. Called bank, they told me I had the same name as a deceased person. Took until late morning the following day, XXXX long phone calls from me, missed work, and much stress until they resolved their mistake. This happened on XX/XX/24. On XX/XX/24, I checked my on line accounts ( was payday ) and was denied access. Called Bank of America again, was related to same case, they got the death certificate and were closing my accounts. Hours of phone time and more stress, no real answer as to how it happened again. Had to re open my accounts. Asked to speak with a manager. Was on hold most of an hour and XXXX minute call only to be told they would call back in 1 to 2 business days. No call ever came. The issue was resolved again but no answers or the common curtesy of management call. So I called them. After another XXXX minutes of person stalling with me on the phone, I gave up on speaking with management.
Consumer complaint received 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In Accordance with the fair credit reporting act, XXXX  accounts : XXXX, XXXXXXXX XXXX and XXXXXXXX have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-12
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. (TX)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OKCoin USA Inc. (NJ)

On XX/XX/2021 I opened an account with Okcoin for {$100.00} to purchase crypto currency XXXX XXXX ( XXXX ). The money was transfer to XXXX XXXX XXXX XXXX from my XXXX checking account. About 2 weeks ago I decided to withdraw my money which was about {$130.00}. Okcoin took out it's sevice fee than told me my account was in withdrawal suspension.The reason given was that the XXXX transfer failed and my account was opened with pre pay credits.I spoke to XXXX and they confirmed the transfer was sucessful and the {$100.00} was debted from my checking account. I called Okcoins customer service number and spoke to someone named XXXX and he told me if I wanted to withdraw my money I would have to deposit {$1100.00}, than hung up on me. I called back and spoke to someone named XXXX and he told me to " XXXX XXXX '' than he hung up. I have been writting e-mails to Okcoin and getting responses from someone named XXXX who keeps telling me either the transfer failed or today received an e-mail stating that now I had to fill out more paperwork as a security check in order to confirm my identity. The Okcoin reference numberwith XXXX and Okcoin is # XXXX. Any help to get back my money would be greatly appreciated but more important is to stop this scam and fraud of Okcoin. Thank you, XXXX XXXX XXXX.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANCO POPULAR DE PUERTO RICO (MO)

I received my XXXX statement dated XX/XX/XXXX when in actuality I received this in the mail on XX/XX/XXXX. My bill was due on XX/XX/XXXX. I noticed I had a charge for the annual fee and saw that my credit limit had dropped from {$7200.00} to {$4300.00}. I do not understand how that was possible, given I pay all my credit cards on time. I never received a letter in the mail indicating the why. I called the number on my statement and every single customer representative told me to contact XXXX since Banco Popular does not handle that. They continuously transferred me to the XXXX XXXX. Which then the airline transferred me back to the Banco Popular staff. After about 1 hour and 30 minutes later, and the 9th person I was transferred too, I asked to speak to a manager at Banco Popular. The representative on the phone who I was talking to clearly decided to say she couldnt here me at all and ultimately dropped my call. I tried to call back and waited 20 minutes on hold with another number that was given to me ; I was given 9 different numbers from all the representatives that I spoke to, I spoke with someone and said I needed to speak to a manager since Ive been on the phone on hold for now almost 2 hours with no resolution and she blatantly told me well I aint those reps, Im someone else. So imma try to help ya out but you dont wan na help me. And then I was disconnected. I was never rude or defiant or disrespectful. I just clearly asked to speak to a manager to find out why my credit limit decreased with zero notification. I logged into my account and there is no letter history indicating that a letter was sent to me. If I knew this customer service was going to be like this, I wouldve never applied for this card. I also do not agree that this CC company holds payment updates for over 15 days. They take your money as soon as you pay, however, they refuse to update the account and report that you have a carryover balance. This is wrong, especially for individuals who are working on their credit. I regret getting this card.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX 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
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I purchased a prepaid extended warranty and maintenance package from Nissan on XX/XX/XXXX, when i purchased my vehicle. The warranty was for a 2012 XXXX XXXX VIN XXXX Warranty # XXXX Application # XXXX. The plan expires XX/XX/XXXX or 100K miles whichever comes first, but unfortunately the car was totaled in a car accident on XX/XX/XXXX. I was informed by a Nissan rep that they would refund me a prorated amount, which will be sent to the Lien holder ( NMAC ) and the amount would be credited against the principle of my loan. When i spoke to Nissan Consumer Affairs they stated they'd send NMAC {$660.00} and it'd take 2-4 weeks. When I  called NMAC 4 weeks later they hadn't received anything. 
On XX/XX/XXXX I contacted Nissan consumer affairs ( Case # XXXX ) and they stated they were working with the policy administrator to investigate the status of my missing refund check. Then on XX/XX/XXXX they emailed me stating the check had been reissued to NMAC and it'd take another 2-4 weeks. I assumed it was taken care of until i obtained a credit report and saw that NMAC had me in collections for {$660.00}. I tried disputing it through the 3 major credit bureaus but NMAC kept  stating the debt was accurate. Finally I filed a report with the XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX NMAC admitted to them that they sent the check to the wrong place and stated they would credit my account for {$670.00}, leaving me with a {$0.00} balance. I accepted this response and patiently waited. It never occurred. I tried disputing it again through XXXX, this time with the report from the XXXX XXXX XXXX, and NMAC refused to revise my credit report, and added even more damage to the report by stating my payments were late from last year to present.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a business XXXX card with Bank of America for over 20 years. Starting last XXXX of 2021, I had reported a fraudulent billing of " XXXX SEASON PASS '' with the billing from XXXX XXXX. My card was cancelled and I was issued a new card. This required me to contact some XXXX of my vendors who bill my card monthly for services such as XXXX, my dental labs/suppliers/water/software, etc. I provided the new card data and apologized for the late/inconvenient payments that resulted. The charges were indeed found to be fraudulent and I was refunded the money to my account. These charges kept re occurring each month, in different amounts, from the same source to each of my new card for some XXXX more months. B of A software pulled these charges as '' denied '' as their software Identified it as bogus, however each time I had to notify them to confirm the fraudulent charges and they insisted on issuing me a new card each time. I had to notify/apologize to my XXXX vendors each time. This went on for XXXX consecutive months. Numerous phone calls and hours of my time on hold, being transferred and such wasted some XXXX hours of my time in this matter. When asked why this keeps happening, I was told it was a communication problem on their end with the vendor. Exasperated, I quit using the card and began a number of phone calls to ask how my private information ( new card number ) was given to this new vendor to bill to without my permission. I have never done business with this vendor yet they are given access to my new card, resulting in another cancellation, new card and problems with my vendors which reflects negatively to me and my business. Promises to have some one research my complaint file # XXXX have gone un-fulfilled. I have made over a dozen calls to provided numbers and names with no call back connection. I have reached a dead end as the company is now basically non responsive.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

I obtained XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX was paid by me XXXX for two years. I was told that after the settlements my account would reflect paid in full. On XX/XX/XXXX I noticed Chase Bank and XXXX is still showing a negative result on my credit report as balanced owed after it was paid. I've called Chase and XXXX and I was told that my account hasn't been paid by Chase, and XXXX haven't replied So I called XXXX XXXX and they said it was paid. So I have two companies contradicting each other. XXXX says I owe XXXX and some change. Chase says XXXX. Both have been settled with XXXX XXXX XXXX. I have been denied credit from two different creditors.
Consumer complaint received 2023-01-13
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC. (CA)

My XXXX XXXX XXXX XXXX was bought back as a lemon. 

Chrysler Capital Account Number : XXXX XXXX ( parent company of XXXX ), sent a check to Chrysler Capital for the agreed upon amount of {$46000.00}. This was to buyout my lease. This was settled with my attorney XXXX XXXX. 

At the time the payoff check ( from FCA ) was received on XX/XX/XXXX by Chrysler Capital, my buyout cost was {$45000.00}. See attachment for " Total amount due ''. 

This meant the overage was due to me of {$1200.00}. This was received and I did cash this check, I cashed this check on XX/XX/XXXX. 

After my account was settled in a full, an automatic payment was sent from my bank account on XX/XX/XXXX for {$570.00}. This overpayment as STILL not been returned. 

Chrysler Capital is claiming that the buyout ( overage ) refund of {$1200.00} included my overpayment of {$570.00}. This is not true, my automatic payment that was sent on XX/XX/XXXX has still not been refunded. 

I would like this payment returned to me. Thank you
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc. (TX)

This debt collector has obtained my private, personal information illegally. I have tried to fix this problem with the XXXX XXXX XXXX but the collection agency stopped responding. I have had numerous individuals under this debt collection agency contact me outside the hours of XXXX and XXXX, they have harassed me, they have berated me, threatened to take illegal action against me if I didn't answer the phone or if I didn't pay. My information was illegally sold to them by another agency. I am being harassed and my life, safety, and well being is being threatened. I have asked them to stop calling on multiple recorded lines and they keep calling and harassing me. I have multiple recorded phone calls of asking them to stop contacting me. My desired outcome is for this account to be void and deleted. This is not legal.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I reviewed my credit report with all three ( 3 ) bureaus ( Experian, XXXX and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

In XX/XX/2020, Barclays Bank DELAWARE ( BANK ) put a Hard inquiry in my credit report for a credit card i never received. I never got accepted into the bank credit card and would like this hard inquiry removed from my credit report.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (FL)

Thought i had a valid Purchased a vehicle from a Local Car dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XX/XX/20 Was not aware that the Contract was Invalid do to Wrong Name on contract until I fell behind in payments do to Covid-19 and me losing one of my jobs, I contacted Lobel Financial Corp. the loan company, and spk with agent XXXX and a female who said that she was A supervisor, informed her of my hardship, said that there were not able to help me with payment plans at the time that I would need to make payments do to account status. I agreed to post a month payment and kept the arrangement, even though the payment put me in Overdraft with my bank. I wanted to Honor the arrangements, the agent then agreed to allow me 2 weeks for my next payment as I was behind. but then the Car was repo I called and asked Why, I was able to speak with the supervisor and she said that She was aware of the arrangements we made and that they needed more info. Informed that I gave them all that they asked for the assistance and it was denied and then I paid and was able to pay 2 weeks later as agreed and was not able to do to repp. this has effected my credit, I have lost my 1st time home Buyer cert of XXXX do to this hitting my credit. I would like this removed from my credit and to be compensated for defamation of who I am a person and my credit
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX i tried transferring funds to this account from my other Capital One account and I wasn't able to so I called support they told me that they are missing a document with my relationship to the company and that they tried calling me once and emailed me a link to upload the document but I checked my email and spam and I never received they said they will reach out to the case XXXX to resend it in the meantime I deposited a XXXX with the XXXX that were scheduled to be withdrawn by my credit card and I tried calling back the person who called me but no one picked up and I left a voice mail after a few days I noticed that the account is fully closed and all payment or rejected so I called again and they said they can't do anything I need to go the branch on XX/XX/XXXX I went to the branch and they told me they can't do anything so I told them I was told to go to the branch and they then let me wait around 1 hour and called some ppl and then they said they added an email to my account and they will request again the link and they rejected to take the documents of me so I asked them can you close my account and give me back my XXXX they said only the case XXXX can do it and I should call XXXX and speak to him and if no response call XXXX I already tried calling him a few times and no reply so I called the XXXX # they tarsnfered me to a supervisor and they said only the case XXXX can release the founds and their is nothing I can do