davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute in reference to an account from XXXXXXXX XXXX XXXX appearing on my credit in XX/XX/2022. Transunion has not removed the account even though it was dismissed by the court in XX/XX/2022. The case is XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On the phone with customer service, lady didn't understand the question I was asking. 

Q : " what interest rate am I being charged '' I asked for supervisor, she put me on hold. Supervisor got on phone and also didn't understand the question, quoted me the incorrect rate. I clarified the question, she got mad and put me on hold. Came back on the line to tell me she was having system trouble, I believe this was a lie, puts me back on hold, without allowing me to speak or ask additional questions. 

XXXX XXXX, claimed she was a supervisor but couldn't tell me what my interest rate was.
Consumer complaint received 2015-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union has blocked all access to my account but continues to send me email notifications that my credit card statement is viewable online. However, they have disabled my online access and I have not received a paper bill in the mail in two months. This is a direct violation of the fair credit reporting act which requires creditors to provide statements to customers monthly. Furthermore, Navy Federal Credit Union is trying to place fraudulent charges back on my credit card for transactions that were not authorized by me and XXXX credit cards had fraud on them from being lost. Navy Federal has not been compliant with resolving my concern and advised that I retain an attorney. However, they can not provide me with sufficient evidence to support their claim for trying to rebill my credit card. Furthermore, since they failed to mail statements accordingly I was under the impression that I had sufficient funds in my checking account to make my minimum monthly payments but I did n't and was several days late making the payment. How am I to view my credit card statement online when my online access is frozen?
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX X/XX/17 to dispute inaccurate infomation on my credit report and they signed for letter X/XX/17 at XXXX XXXX. I have 3 date stamped credit reports on X/XX/17 day 31 from XXXX, XXXX and Experian which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter X/XX/17 that they signed for XXXX XXXX,2017 at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

I recently wrote a check to someone out of my Wells Fargo account. I ended up canceling said check because person waited to cash the check for six weeks. I could not remember the number of this check so therefore I canceled a range of checks. Well, 4 days prior to this I had written a check for my rent. I did not realize but the check that I had written actually was XXXX of the range of checks that I canceled. The only way that I found out about this is because the check did not come out of the account for over 3 weeks and I went to my WF bank to see what was going on. I also called my rental management company. The rental management company had actually cashed the check but Wells still has not returned the money to them because the check was stopped. I issued another check but that check on their end still has not been noted as canceled or returned or anything. It is odd to me that it took this long. I also could have had other items coming out so this caused me great distress. Please see if something can be done. Wells still does not have any details on the check other than it was submitted for depository on the rental property 's bank.
Consumer complaint received 2022-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

As a federally protected consumer, XXXX was informed about this fraudulent inquiry in XXXX and I filed a dispute here in XXXX. After being informed by the Creditor, Capital One that the inquiry was not confirmed to have been made by me, XXXX is still refusing to remove this inaccurate and unauthorized credit inquiry. This is causing harm to my score to continue to report this fraudulent inquiry and is a violation of the fair and accurate credit reporting act. I am attaching the letter from Capital One confirming.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Overpaying of interests during the Refinance : I have a 30 year XXXX ARM from Wells Fargo Bank related to my primary residence ( co-op ). In XXXX 2015, I refinance a 15 year fixed rate mortgage from XXXX XXXX with closing date scheduled on XXXX XXXX, 2015. XXXX XXXX 's policy is to fund three days after closing-XX/XX/XXXX. And XXXX branches are open on XXXX XXXX. However, the Wells Fargo attorney office is closed on XXXX XXXX and can not release the stock certficate until XXXX XXXX. And the settlement agent ( XXXX XXXX attorney ) wo n't release the cash disbursement to me until XXXX XXXX. However, XXXX start charging me interests on Friday, XXXX XXXX even though the settlement agent can not release fund until XXXX XXXX.
Consumer complaint received 2021-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (MI)

on XX/XX/XXXX I was contacted by a company identifying as " XXXX pre-legal department ''. I was informed that my case was being forwarded to XXXX County Court in Michigan and that I was to be served with papers for a criminal violation stemming from a payday loan from Check into Cash. The charges could lead to jail time if I did not comply to repay {$2300.00}. The original loan was taken out in XXXX for {$600.00} but they claimed that fees were added. I asked for a validation of debt letter to be sent to my residence at that time. Latter that day I noticed they sent an email with an invoice that was created that day, I also noticed that there was no mailing address and nothing documenting the the various charges, just the amount due. I researched online and found nothing ligament about this company, only clams that they are scammers. I decided to ignore them. 

Since then every other month or so I would receive voicemails from various numbers on my cell phone and my work phone making the same claims and the same threats. I also received a message from my HR manager at work when she was informed that the police were on the way to arrest me over this matter. 

On XXXX XXXX I received a call from XXXX, the caller did not provide his name but informed that this would be in his office for just one day and I needed to call immediately to resolve the matter before it went to court. This was the same voice that has been on all messages that I have received. 

On XX/XX/XXXX I found out that they have also been contacting my sister and my mom informing both that I was to be arrested taken to court and that I would be charged with felony fraud and sent to jail for at least 6 months unless I paid them immediately, Understandably they were both very upset and called me right away Before he called them he also called me that day on both my phones as well that day, I did not answer. 
And once again today XX/XX/XXXX the same guy called me again with the same threats and stating that I would also loose my job after my XXXX XXXX. Both these times the phone number was XXXX
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SCA Collections, Inc. (NC)

WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.
Consumer complaint received 2019-02-14
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had opened Capital One Business credit card to finance my new business in XX/XX/2016. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to Capital One, and Capital One soon after closed my Business account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to Capital One. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly Capital One had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called Capital One, and after 2 hours on the phone and 5 transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - Capital One. I disputed this with XXXX as an account that no longer belongs to me, due to Capital One refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because Capital One refused to accept my payment and XXXX did not remove the account from my file. Please help!
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have tried several times to disputing an account on my credit report with a company called XXXX XXXX. The company reported to my credit report when it should've never been reported. I paid my bill to XXXX XXXX XXXX, XXXX. The physician 's office posted my payment to someone else account in error but fixed it and notified XXXX XXXX that, in fact, I didn't owe anything, and my account was sent to them in error. I've also had a hard time with the collection agency removing this from my credit report until I informed them that I filed a complaint with cfpb against them. I received a letter from XXXX XXXX that they have already requested from all 3 credit bureaus to expunge from my credit report, yet Equifax refuses to update my credit report. I sent Equifax the letter advising them of proof, and they still have yet to update my credit report to have this company removed.
Consumer complaint received 2016-01-08
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a Wells Home Equity Line of Credit to conduct home improvements on XXXX XXXX, 2015. I was approved for a credit limit of up to {$30000.00} on XXXX XXXX, 2015. During the process, I considered seeking a higher credit limit, but was informed by Wells that I could always raise the limit later on if necessary. After the Home Equity Line of Credit was approved, I learned that my anticipated renovations would cost more than expected. Accordingly, I returned to Wells to obtain a higher credit limit. It was only then that I was told by Wells that New York State law allegedly prohibits Wells from increasing the original credit limit on a Home Equity Line of Credit. At no time did Wells inform me of this limitation when I sought the original line of credit. Indeed -- Wells ' representations were the opposite -- that I could always raise my line of credit if necessary. This false representation was a significant motivating factor in my decision to obtain the original line of credit. Now, however, I have been told by Wells that in order for me to obtain a higher line of credit, I must first close the existing Line of Credit and apply for a brand new Line of Credit with a higher limit. This process will cost me over {$800.00}, and Wells has refused to waive the additional service charges and closing costs.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (GA)

Im receiving phone calls repeatedly after I told them that they had the wrong number and person. Ive asked them not to call but they will call again. They say at first that the call is being recorded in a attempt to collect a debt. They call from different phone numbers and different states. Im called 4 to 5 times a day. I feel harassed. Im XXXX and have XXXX young boys with XXXX who are XXXX. I have to answer my phone due to communication with medical and state offices. Its gotten so bad Im afraid to answer and triggered my XXXX. They are running up our phone bills and upsetting everyone
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX. XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from XXXX, Transunion and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XX/XX/XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

To Whom It XXXX Concern : I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the building process. US Bank has my money for the full mortgage amount in an escrow as well surplus of {$55000.00}. Every check that I receive from the insurance company for claims has to go through US Bank. We are XXXX XXXX  of the way completed on our new home. US bank received my overage check ( I {$55000.00} ) that is above and beyond our current mortgage escrow and have failed to return it since the beginning of XXXX ( XXXX ). They allegedly mailed at check on XX/XX/XXXX and it never reached me. The check was then cancelled and I was told on XX/XX/XXXX that another check would be mailed today XX/XX/XXXX. After speaking with US Bank today they informed me that they cancelled my check and do not wish to use my pre paid over night envelops that they received on Friday XXXX at XXXXXXXX XXXX. Consistently they do not have the same process advice or procedure. 

I have spoke to several supervisors who will not provide me with any further information on who I can speak to that is above and beyond the supervisor role. I have been treated very poorly with some of the staff making light of my situation. My builder is no longer building on my house due to me not being able to pay him. I am unable to get my overage check from US Bank and I have never been able to draw off of my mortgage escrow. I need help immediately as this is a crisis and they are not helpful. 

There was a supervisor named XXXX that provided me with his direct phone number XXXX. I have called him repeatedly and no answer. 

I have not called them and cussed them out like others XXXX have in this situation as it is not helpful. The only consistent thing I have them saying is this is XXXX XXXX US Banks fault but they are unable to fix it. It just keeps bouncing from XXXX department to the next to the next. A check allegedly gets disbursed and then cancelled. I have legitimately done everything on my end that is required and they refuse to get me my money. I have been waiting for weeks. 

Please reach out to me via email or by phone at XXXX. I need help as soon as possible. We only have alternative living expense coverage for a limited time an we need to have our home built before this used up. Without me being able to pay, we are at a loss. 

Best Regards, XXXX XXXX XXXX my XXXX tracking number is XXXX
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

This started since XX/XX/2016. There was disaster in Louisiana. I signed up for foreberance. Two disaster back to back. Work was scarce and I had to ask for another. I try a pay payment plan. The keep starling. While I was going the foreberance they was reporting on my credit and they wasnt suppose to and they agree they were wrong. I ask them to remove it because, I try to get another car, I am an inspector and need transportation they never removed it in time I had to pay XXXX down payment. Which is what I owe them. It kept putting me behind. They assured me they round do a long Modification and they keep denying it. I talked to them. They kept telling me to do it. Misleading me to think I would get approved. Now it over two years and they still going the same thing.
Consumer complaint received 2021-04-14
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. (FL)

Hello I'm XXXX XXXX submitting this complaint reference to XXXX XXXX XXXX. I've tried over and over to dispute inaccurate information. I have proof from XXXX XXXX regarding the unhealthy living environment me and my family was in. In addition to this I will be filling a complaint with the state about this situation.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2016, I asked how I can keep my home, they said I had to pay around XXXX and also I had to have a proof that I had that amount, so I did it. On XXXX XXXX, 2016 I received a letter from the bank dated on XXXX XXXX, 2016 to pay XXXX and the due day on XXXX XXXX, 2016 letter, and the post office envelope shows it was sent on XXXX XXXX 2016, so when I called, they said this is past due, we have to send you another XXXX, and it will be more than XXXX. I asked them to postpone the sale date to gather the money, and they refused. It shows the Bank wants to go ahead with the foreclosure because it is more profitable for them.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Telephone payment made via XXXX Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CO)

In XX/XX/2020 I refinanced my home loan with XXXX XXXX XXXX XXXX. My refinance closed on XX/XX/20 and my first mortgage was paid off on XX/XX/20. As of this date I understand that my mortgage servicer, roundpoint mortgage servicing corporation, has 30 days to refund the balance of my escrow account to me.

As of XX/XX/20, 21 business days later, I have still not received my escrow balance of my first mortgage. I called roundpoint and was told they processed my money from my escrow account on XX/XX/20 and that it will be a minimum of 20 business days for me to receive my money which they are holding. This is well beyond the 20 business days set forth by regulation 1024.34b they are legally allowed to hold my money.