davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

On XX/XX/2019 I submitted an online request to XXXX XXXX XXXX to debit my XXXX for the full amount due ( {$6200.00} ) on my Fidelity Visa card. The request was processed as requested. Then, three days later, on XX/XX/2019 XXXX  XXXX   XXXX debited my XXXX again for {$4600.00}. 

On XX/XX/2019 I called XXXX XXXX  XXXX   Customer Service line @ XXXX to initiate a refund of the debit which was completely unjustified because of the pay-off three days earlier. The customer service rep indicated a refund would be processed ASAP. 

Eleven days letter, on XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX  datedXX/XX/XXXX,  acknowledging the error and indicating that a refund will be received within 10 days. 

As a consumer, I find it ironic that if I fail to pay the balance due I'll be charged a ridiculously high late fee plus 16 % interest. Conversely, XXXX is free to hold my money for nearly a month. Accordingly, I request they XXXX  XXXX XXXX be obligated to remit to me interest equal to what they would have charged me had I done the same to them and held their money beyond the agreed upon due date. 

Further, I request that XXXX XXXX XXXX   improve their internal controls to ensure customer XXXXs are not debited/drafted for more than what is owed on their accounts. Automated financial systems can easily determine the necessary pay off balance prior to drafting customer accounts. Their practice of ensuring customer payments are processed quickly and customer refunds are processed slowly is a perfect example of how companies such as XXXX   XXXX XXXX takes advantage of their customers.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (VA)

I was called on Saturday XX/XX/XXXX at XXXX am and answered the phone since it woke me up. The lady I spoke with had a heavy foreign accent I advised her to call at a more reasonable hour next time or I would be reporting them. I received at call at XXXX and at XXXX on a Sunday during religious services. Neither calls were answered but I was advised that XXXX are not allowed to call at those times on a Sunday since they are unreasonable hours. In my opinion calling at XXXX on a Saturday certainly is.
Consumer complaint received 2019-07-15
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. (IN)

FROM XX/XX/2019 through XX/XX/2019 a number of inquiries intruded my consumer file on my Transunion report I didnt authorize these companies no knowledge either I alerted Transunion they didnt remove any of the negative information also sent no proof that the information belong to me and was true and correct they are in violation of FCRA.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX XX/XX/XXXX, after returning from XXXX, I discovered that my car insurance policy with XXXX XXXX XXXX had been canceled on XX/XX/XXXX due to lack of payment received in XXXX even though I had an automated payment agreement with the insurance company from the Capitol one Quicksilver credit card account. The insurance company claim they sent out a digital authorization for a payment of {$230.00} to Capitol one on XX/XX/XXXX and have the transaction ID to back up their claim. When I reached out to Capitol one, they claim they never received any communication in XXXX but could not provide any digital evidence to back their claim or refute the Insurance companys claim. However, considering several automated prior monthly payments have been very successful and the fact that my account expires in XXXX and the bank has also confirmed that my account was and is still active and there were enough funds to make the payments in XXXX, I am inclined to believe the insurance company. On XX/XX/XXXX between XXXX, I had a 3-way phone conversation with the insurance and bank representatives. The representative from the insurance provided a transaction id but the bank representative did not provide any evidence to refute the claim and said they could not verify the digital transaction. The insurance company refused to reinstate my policy. I ended up having a lapse in my coverage which resulted in civil penalty of {$100.00} and increased insurance premiums.
Consumer complaint received 2020-12-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I did a dispute for XXXX and experian. The credit bureas do not like for consumer to submit multiple disputes for some accounts. As a result, I need to dispute these items through your website.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I sent a letter to to XXXX on XX/XX/XXXX and have not gotten a response in the letter i was stating that the information they were reporting on my credit report is incorrect the name on my credit profile is incorrect the CORRECT and only name i go by is XXXX XXXX any other spelling of my name should be removed and deleted also XXXX is reporting that my year of birth is XXXX this is completely WRONG, my correct Year of birth is XXXX Also there is an account reporting on my credit report from a companies named XXXX XXXX XXXX this account does not belong to me and needs to be deleted off my credit report, also any other address reporting on my credit report is inaccurate and needs to be removed the only accurate and up to date address that XXXX XXXX XXXX is and should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Approximately in XXXX of XXXX the holder of my HELOC, XXXX XXXX XXXX  contacted us to let us know the original note was coming due. I started working with XXXX XXXX to generate a new loan in XX/XX/XXXX. I over the next couple of months I gave permission to pull credit and delivered relevant documention. I was told it was undergoing review. Approximately in XXXX XXXX I tried repeatedly to get status, but calls to my contact always went to voicemail. I eventually found a manager at the bank who told me the woman handling my account had left the company a couple of months earlier, and that no one had been monitoring her message. Nothing had been approved. I contacted another bank and started negotiations to have a new mortgage that would combine my current mortgage and the HELOC. I had updated XXXX XXXX that we were processing a new mortgage and continued to make payments on the HELOC. My new loan processed finally. Notification of the payoff to close the credit line was sent to XXXX XXXX on XX/XX/XXXX. What I did not know was that XXXX XXXX was under acquistion by XXXX XXXX. No one at XXXX XXXX disclosed this. Despite assurances from me and my new mortgage holder, XXXX XXXX XXXX, XXXX XXXX listed the loan as a charge-off ( I presume to make the books look better for their new owner. I contacted XXXX XXXX  again in XXXX asking them to remove the charge off, but they refused. I recently asked XXXX to remove the charge-off, but they only sent a confirmation of payoff of the original HELOC.
Consumer complaint received 2021-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

Please look at these charts, bank statements, return letters. You will see that we paid every month and Guaranteed rate just sent us back XXXX XXXX payment. The number of mistakes that have been made regarding our account is unbelievable. 

I have enclosed a mortgage chart that I believe will be very helpful. Please read in detail. I have also provided documentation to support this chart including : bank statements, and letters from guaranteed rate mortgage. 

I believe you will see Guaranteed Rate/XXXX incorrectly distributed my mortgage payments in the following ways : 1. In XXXX when they received 2 separate checks, one for my mortgage and another for overage of escrow they misapplied them and added them together instead 2. Our XXXX cashiers check was not only applied late despite overnighting it, but they show it applied late and now we know they never cashed it '' despite being received ''. 
3. In XXXX our payment was applied to XXXX again despite the cashiers checks being labeled and already sending a XXXX payment XXXX. XX/XX/XXXX a random amount of money was applied to our account incorrectly 5. XXXX XXXX cashiers check was sent back for no reason, after they told us that they had sold our loan. They said they would no longer service us and we would have to wait till XX/XX/XXXX. 

At this point I believe it is clear many mistakes have been made and it is absolutely unacceptable. And now they have sold our loan to XXXX XXXX so they aren't trying to help us. We have sent numerous emails and letters asking them to correct this and they have not. We have talked to numerous managers and representatives and they have given us the run around. We have been at this now for 4 weeks, they have no regard for us or our refinance we are going through. They keep ignoring us but this is hurting us. Its not only hurting my credit score with improper reporting but this potentially could make us lose our refinance.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (MD)

Received a letter from XXXX XXXX XXXX about an outstanding debt from XXXX. I do not order anything from XXXX. This debt collection is fraudulent. A simple XXXX search shows many law suits against this company for fraudulent debt collection under the same or similar names but different headquarter addresses. I can not reach them. Ive left hundreds of messages but nobody returns my calls. They are unreachable by any other means.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

My grandfather, who has been declared incompetent, opened this account for me many years ago for the purposes of funding anything I needed while I was in college. Recently, my grandfather became incapacitated and my mother and grandmother both have POA 's signed by the grandfather ( before he was incapacitated ) and filed with the clerk of court. He and we have always been told that when I reach the age of XXXX, the account would automatically transfer as long as I told the bank to transfer the funds and signed a form. Since XXXX, when I turned XXXX, the bank has not allowed me to get any funds out of the account and are demanding that I have a petition filed with the clerk of court and signed. Upon visiting the XXXX County clerk of court, they would not allow the petition to be filed because the law is clear and although my grandfather is incapacitated, he is not refusing me access to my funds. The petition the SECU is demanding to be filed with the clerk is only for someone who is disputing disbursement. We have visited the SECU over 5 times, the clerk 3 times and talked to several people at the corporate office over the phone and they will not release the funds. Furthermore, they indicated the disallowing of disbursement in my account so I could not visit the XXXX branch to get money out as initially done in 2017. That branch originally told us that we would just need to sign a form, after visiting XXXX, they too no longer allowed us to remove any money from the account. I have wasted lots of gas and time trying to get my money, being told 3 different stories and still not being allowed access. If my mother can't exercise the POA because she was told my grandfather doesn't own the account ; if the clerk will not allow me to even file the petition ; if I am not allowed to walk in and ask for the account to be transferred ... then who owns the account? and who has access? It appears the bank is not making sense of its own rules, but my interpretation of the law is clear. 

Pursuant to NC Gen Stat 33A-20. XXXX XXXX has reached the age of XXXX years old, the age of majority in North Carolina. The law states a custodian shall transfer custodial property to the minor upon the date the minor reaches the age of XXXXTransfer all assets to XXXX XXXX under a new account. 

This has caused a great amount of distress and angst for the family as the funds are needed to continue my education and pay for expenses. I have had to continuously borrow money to pay for these things so far.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MS)

I have never dealt with this company claiming I owe a debt to them of {$460.00} and {$86.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe their company. They have yet to provide me this information.
Consumer complaint received 2019-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TIDEWATER FINANCE COMPANY, INC. (NC)

I called on XX/XX/19 to have my account closed and the line of credit closed with this company. I was told at that time that it would take up to a month for it to process. I called again on XX/XX/19 to verify that my account was closed and it was not. The foreign customer service rep said he would forward my request only after interrogating me for my desire to close the account at all. 

I would like for my account to be closed per my request as soon as possible. My account balance isnt paid in full and I no longer need it.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX Original balance {$17000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Payment summary The balance should be XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have discovered some information, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize account and inquiry and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MS)

This company is claiming I owe a debt to them in the amounts of {$500.00} & XXXX, but I have never done any business with them. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian refuses to investigate disputes on ALL tradelines in my credit report with them. A prior investigation was completed, but was not to my satisfaction. I requested re-investigation and to provide the manner in which investigation was done, as well as the information received that was used to verify. Neither request was honored. I have proof and documentation that the information being reported is incorrect, but I refuse to furnish it to a credit reporting agency to used against me. In addition, they refuse to provide me with any additional access to my credit report, even after adverse action less than 30 days prior. This is all in direct violation of many FCRA, Texas Finance Code, and Texas Business and Commerce Code statutes. An attorney on retainer has been given all documentation and correspondence.
Consumer complaint received 2023-07-01
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/2023, there was a hard inquiry from XXXX. An unknown individual applied for a credit card with their bank. I did not and contacted XXXX Bank to report the fraud. It has not been removed from credit reports.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

I have a conventional mortgage with PMI. I reached the LTV of 80 % and/or LTV of 78 % last year, but the bank keeps charge me for the PMI. I asked them about it on XX/XX/XXXX and they refused to consider. I called them last week ( not sure about the date but between XX/XX/XXXX - XX/XX/XXXX ) and they say they are going to summit a cancellation of it, promise to return the money ONLY for the last month ( XX/XX/XXXX ). Called them again today XX/XX/XXXX requesting the return of the money overcharged and again it was denied saying it was my fault for not summit a request for it. According to my calculations that amount is over {$800.00} dlls. My original mortage was XXXX with a down payment of 5 %
Consumer complaint received 2019-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

loan XXXX, before Ocwen transferred the loan to PHH, they received {$7500.00} in trial payments from a bad loan mod ; we received {$1500.00} of the {$7500.00} but still have not received the rest of $ XXXX months ago
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I had an account with XXXX everything was fine was getting direct deposit and they were helping me fix my credit. My account was restricted after I notified them that there was a check that was deposited into my account and I didnt put it there and was wondering what was going on. They told me it will be an investigation that could take up to 30 days but never got back to me and now I cant even open a bank account anywhere. I was a loyal customer I feel they should unrestrict my account because Ive done nothing wrong
Consumer complaint received 2019-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I don't have a phone number. Capital One is trying to do 2-factor authentication to a phone number I no longer have. Capital One has no alternative. Not everyone can afford a phone or wants to pay for one. 

I need to be able to access my account online by a means just like rich people with phones when I don't have one. 

There is no requirement in the account agreement that I have a phone, and I was lied to and told that I had to have one. 

https : //www.capitalone.com/XXXX/ <- There's nothing that says I have to have a phone in the agreement. 

If Capital One wants me to have a phone, Capital One needs to pay for it, or use an email address for verification like many other banks are doing.
Consumer complaint received 2019-03-31
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc. (PA)

The company is called account control technology. They have contacted several colleges of mine that I work with inquiring about information for me. They say that they have a personal business matter to discuss with me. They have also called my phone directly so they have access to me. As a result I am suffering from embarrassment and may be discriminated against. The last incident was last Friday where I received a random contact via XXXX XXXX from someone trying to contact me. I have no connection with that person.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Weltman Weinberg & Reis Co. bought a debt from XXXX Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to XXXX in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law.

The debt collector also violated the contract agreement with XXXX and is attempting to use the legal system as a scare tactic even when the contract with XXXX states neither party can use the court system. 

XXXX claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to XXXX. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

The company did not credit my account a {$300.00} bonus that was promised on XX/XX/XXXX. My funds were in the account and I followed the directions the banker gave me and upheld the minimum balance requirement within the deadline. I was told that I would not receive the bonus despite the fact that I met the account requirements. 

This is behavior is unethical and appears to be a retaliation from the bank because of my recent interactions with CitiBank and my XXXX CitBank credit card.