davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/XXXX made pmt for {$250.00} using my mobile app that I use every month XX/XX/XXXX made a payment for {$270.00} using mobile app as well. The payment for XX/XX/XXXX was never applied to my account just the payment XX/XX/XXXX was applied correctly. Called Capt one and they issued a temporary credit while they investigated. I get a letter stating they need proof from bank of transactions. To which I fax my bank statement received directly from my bank. ( the printed out and showed both payments dates amounts and to whom they were paid/capital one ). I call to confirm received as well as have a fax submission with their info that shows successfully faxed XX/XX/2019. Then I get another letter stating they are removing temporary credit because they didnt receive said requested info. I call capt one again and speak with emp # XXXX XXXX ( not very nicely per my frustration of having to fix their error ). He continues to offer no assistance on what else I can provide as proof and states what they received is not valid and they are closing the dispute. I have had my Cabelas card for more than 8 years and never had one issue until her recently when capital one took over as card services for Cabelas club cards. I want resolve and Capital one just wants to steal peoples money and not fix issues they caused, even after proof received.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On or about XX/XX/2022 I started a XXXX XXXX policy but a few days later I called to cancel that policy. I have a checking account, with an auto policy so I added the Home Owners policy but again I cancelled it around XX/XX/XXXX. I was having problems with this account because they are in Texas and had a lot of overdraft fees in XXXX. I finally had an opportunity to review my account to see what caused everything and after further review USAA decided to still bill me for a personal property which was started the same day. I called USAA so they could pull the call on XXXX occassions but this has yet to be resolved. I had over {$200.00} in fees and they were charging me {$65.00} each month since XXXX which I requested to be cancelled. That's a total of {$320.00} if they have been billing me since XX/XX/2022. I feel as if I've been take advantage of and if I call and request my policy to be cancelled then I should expect the cancellation to take place. I should not have to prove I requested to cancel or check my policy when I believe it was cancelled verbally. This is predatory in nature and I don't appreciate it being dismissed. I removed my direct deposit from USAA and my Home Owner 's policy and looking for a new carrier for my auto insurance. I was not with USAA that long but this last issue has changed my perception about USAA and feel like another agency should step in and review this matter on my behalf. I no longer trust them to handle my accounts.
Consumer complaint received 2019-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (MD)

XX/XX/2019 XXXX XXXX/XXXX XXXX XXXX Lender - The Money Source Loan number - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To whom it may concern, We're filing this complaint against TMS, in an effort to put an end to the deceptive business practices that we've experienced since first approaching them for a loan modification, on XX/XX/XXXX. 

Each of these individuals have been an active participant in the deception, however, XXXX XXXX is the supervisor in this area and has contributed the most. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX For the last six months, we have been repeatedly submitting the same documents and chasing people down, to simply get updates. Every time we've spoken with our single point of contact, no matter who it's been, they've never fully disclosed all of the updates/documents that TMS was requiring. Even after our asking them flat-out if there was anything else needed. 

Our first request for modification was denied, the reason being - we didn't meet Seasoning Requirements for a modification. When XXXX explain this to us, he told us that we needed to be with TMS for a  minimum of 12 months before any modification could be done. 

We contacted HUD and spoke to an FHA Counselor - this seasoning requirement does NOT apply on FHA Loans! When we brought this to XXXX 's attention - not only on the phone, but with the actual HUD guideline in an email - he told us that it wasn't proof enough to change the determination and that we needed to wait. 

The most recent Act of direct deception came on XX/XX/XXXX, when we were told by XXXX that the RMA form that we submitted was not the correct form that TMS requires. Even though, it was the form that we used for our first modification request and it was perfectly acceptable. When this was brought to XXXX 's attention - he confirmed that she was incorrect and simply kicked the can down the road. 

All we've been trying to do, for the last six months, is resolve this matter and go back to making our mortgage payments. We've called TMS no less than a hundred times in the last six months and we are no closer to resolving this matter than we were in XX/XX/XXXX. 

Also, our online account shows that we're in active foreclosure - this can't be possible, given that they have yet to file the motion for Summary Judgment. Again. Deception. It's clear that TMS is engaging, fully, in these business practices - if not all out fraud - with regards to resolving this matter with us. The property value on our home has increased and we're certain that they see this as a huge moneymaker, if they were to complete the foreclosure process and send our home to sale. 

Again, we're coming to you, because you have the power to bring these this company back in line. I've attached all relevant documents. Please assist us. I can be reached at - XXXX or by email at XXXX Thank you in advance for your assistance with this!
Consumer complaint received 2019-04-14
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. (NY)

I am contacting you because TransUnion is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. XXXX XXXX XXXX XXXX Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do TransUnion XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (PA)

I was getting into my XXXX leased XXXX XXXX on XX/XX/XXXX shut the driver door and heard a loud noise exited my car and found the rear window completely shattered. I reported to my insurance company I have a {$500.00} deductible had an appointed on XX/XX/XXXX with XXXX  and appointment cancelled due to no back windows available back ordered? expecting snow and have trash bag on rear window. found this is a common problem
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (LA)

During the coronavirus pandemic I was told by XXXX acct XXXX that my account would be protected through the pandemic due to my loss of job related to coronavirus pandemic ... I was reported late to EXPERIAN XX/XX/2020 ... I was told my account was protected from getting late marks due to the circumstances of my job because of the pandemic.. I am requesting the late payment XXXX be EARSED ...
Consumer complaint received 2021-06-11
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. (CA)

I have a car loan with my husband of 50 years we have a income of {XXXX not including our rental income from our renter. Equifax deceased my credit score by XXXX points just because my HUSBAND of 50 years filed BK in XXXX  ..again our income is XXXX per year or more.they also have my birth date incorrect. 
They state that my credit score decease because my credit utilization rate is 160 % of my available credit I no not have that much credit. 

Thank you
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/2019 I filed a dispute through XXXX as the account was still reflecting open with an outstanding balance. The property was previously sold and the mortgage was paid in full. On XX/XX/2019 I received the results of the dispute and New Rez reported to XXXX that the loan was foreclosed on in XX/XX/2019 and the account was closed in XX/XX/2019. This information is incorrect. The loan was never late, nor was it ever in foreclosure. XXXX 's dispute results indicated that I should reach out to New Rez regarding the results of this dispute. I call New Rez on XX/XX/2019 and they refused any assistance and advised there was nothing they were willing to do and only offered that I file another dispute which can take up to 30 days. I am in the middle of purchasing a new home and this inaccuracy may cause me to not get the loan I am applying for.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (DE)

I applied for the Best Buy card to purchase several appliances on XX/XX/2019. I received a delivery date of XX/XX/XXXX and was ready to accept my order. I proactively enrolled the credit card on auto pay so my credit card bill would be paid on time. 

On XX/XX/XXXX, I received an email that my order was cancelled. 
I called Best Buy several times to find out why my order was cancelled but no one could give me a reason why. I wouldnt have cared if you cancelled the purchase for some reason, however no one could tell me why. It was just cancelled. I was told I would need to reorder the products. I attempted to do that, and the delivery date was pushed out to XX/XX/XXXX. ( This would put me out almost two months without appliances My original order was XX/XX/XXXX expecting it XX/XX/XXXX ) In addition to you cancelling my order, On XX/XX/XXXX, Best Buy withdrew {$92.00} from my bank account when my balance was XXXX. ( I never received anything ) I cancelled the card today. 

I am requesting the following : 1. Best Buy Inquiry be removed from credit report. I only applied for this card to put the appliances on the credit card. Since I didnt receive the appliances, I would like the inquiry removed from my credit report. 
2. I would like the {$92.00} credited back to my bank account immediately. 

This was a horrible experience. After researching on-line and I see a lot of negative comments about peoples experiences with Best Buy.
Consumer complaint received 2023-06-01
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (NJ)

I am the co-signer. Ally financial never reached out to contact my daughter who is the primary on the account. So I did not know there was an issue with payment. 

They said she was a month late on payment but went after me for my credit. My score dropped XXXX points. So I got ambushed. 
They would call me during work so I could not answer exactly when they called. When I would return call Ally financial they repeatedly dropped my calls or hung up on me. I called Ally at least 5 times with the same result. Did not get rep on the phone until after the fact. 

If you look at my credit history over past 10yrs anyone will see I am very prompt about staying on top of my bills. An opportunity would have been nice. Seems some degree of laziness on Allys behalf is the issue. 

My daughters grandmother passed away and had to pay for funeral costs. They never properly contacted anyone so they would not know that. 

No true procedure for communicating with there customers.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a payment to my credit card issuers for {$47.00}, to be debited against my BOA checking account. I didnt realize at the time that I only had funds available in the amount of {$46.00} in my checking account. The payment was not made out and my checking account became overdrawn. I incurred {$100.00} total in overdraft fees from BOA and my credit card account has been restricted, all because of a {$1.00} miscalculation. BOA refunded {$70.00} of the {$100.00} fees incurred but hasnt addressed the outstanding {$35.00} fee nor have they attempted to reach out to my credit card issuer to help rectify my restricted account.
Consumer complaint received 2016-08-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always. 
The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The accounts where opened not by me. Ive tried disputing them with XXXX XXXX and that didnt work. Company claims it was accurate when it wasnt. I would like to see a copy of the id that was used to open these accounts
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Phoenix Financial Services LLC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX SS # XXXX D.O.B : XX/XX/XXXX As of XXXX someone has been using my personal information listed above. I have not obtained any type of credit and there is several inquiries, delinquent accounts, and bills that I have not created or had. I am requesting that the information be removed or corrected. I also have bad check writing on my record that needs to corrected due to payment in full and resolved. Employment and background investigation has been successfully dismissed, time served, incarceration or sentenced to prison has been fully discharged and completed. If you have any questions feel free to contact me at the information provided.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America mortgage loan, was transferred to XXXX XXXX  XXXX. Both companies are reporting incorrect information on credit reports. Bank of America was not sent to collections, it was Covid forbearance and then they transferred our loan to XXXX. XXXX is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. XXXX had not updated their own system, so we had no account number for them to take payments. Our BOA loan was still considered the payment company and put our payments in a escrow account, until XXXX had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.
Consumer complaint received 2020-09-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2021-02-16
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: CRESCO CAPITAL INC. (FL)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CRESCO CAPITAL Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

XX/XX/XXXX I was a victim of a online scam. I was in search of a car part and had posted a want to buy. A random guy reached out to me and said to email his buddy that he has the part I need. I did after some communication via email and text I sent him {$500.00} via Zelle XXXX and he disappeared. I immediately filed a fraud claim with XXXX its been over a month and the bank has no updates no provisional credit, nothing. I call once a week and get a run around. Finally called one last time today and they told me that sorry we wont be able to get you your money back because you paid with Zelle.
Consumer complaint received 2020-06-07
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: EQUIFAX, INC. (WV)

XXXX on XX/XX/2019 did a hard inquiry. I did not ask them to do this, it was unauthorized. I looked up XXXX and apparently it's XXXX XXXX XXXX. I researched and have found thousands of complaints of unauthorized hard inquiries. This only shows up on my Equifax credit report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.