davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I learned that a credit card was fraudulently opened in my name at Bank of America. They used my address, email, SS #, and email address to open the account, but wanted the cards sent to an alternate address. I called Bank of America and cancelled the card prior to anything being charged.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

In XX/XX/XXXX I closed my credit card account with Bank of America. About two months later they processed a " recurring charge '' and sent me a bill, which I paid promptly. On XX/XX/XXXX, I sent them a letter which stated : " I DO NOT AUTHORIZE BANK OF AMERICA TO ACCEPT ANY NEW CHARGES ON THIS CLOSED ACCOUNT '' and " I would like written verification from you that this account is closed and that no additional charges will be accepted. " On XX/XX/XXXX, they processed yet another charge for AAA membership renewal. AAA had notified me that the card on file -- the BofA card -- had expired. However, B of A processed the charge, billed me, thereby ignoring my withdrawal of authorization. I spoke to XXXX people at B of A and was repeatedly told that they could not block future charges, as I had requested. I also requested a letter promising to block the account and to remove me from their data base. The person said, " I 'm not authorized to do that. ''
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One has closed my line of credit and taken adverse action against me for exercising my rights in good faith as a consumer under federal law.

Capital One mailed me a statement dated XX/XX/XXXX showing that I owe a balance of {$3400.00}. Through this communication, Capital One has engaged in fraudulent activity against me and has violated my rights as a consumer numerous times. 

I mailed letters dated XX/XX/2022, responding to the statement I received outlining all of the fraud and violations against me. I gave Capital One 3 business days from the date of my letter to reply to my concerns, and satisfy my demands, and they have not responded as of XX/XX/2022. All of my correspondence is outlined in my attachments.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I contacted Hyundai Motor Finance on XX/XX/XXXX requesting an out of state title transfer for my lease as I recently moved to Florida. They said the DMV would receive it in ten business days. After eleven business days I contacted the DMV and they have yet to receive it. I contacted XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They keep giving us the run around about how titles is an internal part of their company and we are unable to contact them. They said they receive our emails and will send us a tracking number then they say they never got any of our emails from the above dates. I am paying for a car that I can not legally drive. This is absurd - I wish I knew this before leasing a car through Hyundai.
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MS)

I'm filing this complaint today to bring to your attention the recent actions of Flagstar Bank - In XXXX of 2021, I submitted a loan modification packet to Flagstar, after losing both of my parents to covid and incurring a rather large financial setback ( funeral expenses ). My request was assigned to a XXXX  and at that time, I was told that one of the options was a deferment, because FHA loans prohibited the homeowner from reapplying for a modification for 2 years, but that they would review all workout options. 



In XXXX, I called to check the status of the paperwork and was told that it was sent and would be arriving in 10 to 15 days. I was also told that it could take longer because they were behind on the paperwork due to several homeowners in forbearance. I continued to call in for several weeks speaking to several managers and hardship task force supervisors stating the same thing, we are behind in the paperwork from the investors. 



This went on until the end of XXXX when I was told that my deferment was denied back in XXXX, due to the date my loan went into forbearance. I explained my story and how I repeatedly checking the status of the deferment and was NEVER told that it was denied, but nothing was done to correct things Once again, I reengaged Flagstar in XXXX and RE-submitted all documentation. Our file was formally opened for review on XX/XX/XXXX and during the process of review, Flagstar repeatedly gave me conflicting information regarding the status of my request. 



On XX/XX/XXXX, I was informed that I was approved for a TRIAL PAYMENT PLAN on XX/XX/XXXX and that all that needed to be done was to make the initial payment on XX/XX/XXXX and the plan would be engaged. 



On XX/XX/XXXX, I called them to ask where the paperwork for the TRIAL PAYMENT PLAN was and asked that a copy of it be emailed immediately. When I received the email, the documents weren't for a Trial Payment Plan, in fact, they were for a USDA Farm Loan Deferment Agreement. To date, no one has been able to explain when/who converted my FHA loan to a USDA Farm Loan . This information CLEARLY conflicts with their response to my Modification request in XX/XX/2021 ( where I was told that I couldnt apply because of FHA loan guidelines ). I've requested, numerous times, for a notice of transfer or notice of new service or letter from them and they have refused to provide me with one. 



Not only this issue, but on XX/XX/XXXX, I was told by my XXXX that my NEW payment was increased by {$40.00}, due to a recent Escrow Analysis. Further investigation showed that the most recent escrow analysis was performed on XX/XX/2021 PRIOR to the latest approval for workout. NO analysis has been performed since then and, once again, Flagstar seems to be operating on deceptive business practices.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022, I deposited XXXX checks totaling {$1500.00} in an ATM at a TD Bank in XXXX XXXX  XXXX. As of today, XX/XX/XXXX, XXXX days later, TD has not deposited the funds into my account. My account shows that this matter is pending. I called the TD Customer Service Line and was told by a representative named XXXX that there is an extended hold on the checks. Further she said that there was no explanation as to why these funds were held up. 

One of the checks was from XXXX XXXX Bank for the overpayment of a mortgage I had with that bank. Theres absolutely NO REASON why a check from a known financial institution in the XXXX XXXX  XXXX XXXX area should raise any flags or should result in any delays in the funds being placed in my account. 

The fact the second check from an insurance company deposited at the same time, is also being held, means that TD bank caused the delays. What is that likelihood of two checks drawn from two sources would both have issues justifying delays.
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

This is not the first complaint I have submitted about this company. I switched my servicer to FedLoan for the PSLF program. Earlier this year I submitted annual documentation to decertify my income based repayment plan. My payment went from $ XXXX/month to {$580.00}. When I called to complain about this, no one could ever explain to me how this happened. My income did not increase significantly and I had been at the same job. I was assigned a " borrower advocate " at FedLoan. I was put into a REPAYE plan with a payment of only {$200.00}, which I felt was an interest only plan. In XX/XX/XXXX, I found out that my husband also has a significant amount of Federal student loans. I spoke to this " advocate '' about this and she sent me the forms to reapply for the IDR plan. In the meantime, I again received another bill for the {$580.00} which I have repeatedly told them I can not afford. I filled out the form ( earlier this month ) and emailed it directly to the " advocate '' along with our tax returns. Last Friday XX/XX/XXXX I received an email saying they could not process my request due to " missing information '' and that I would be getting a letter telling me what was missing. When I tried to log onto the website to see the letter, the site was down. Yesterday I emailed this " advocate '' and today I left a phone message- no response. Today I got a letter in the mail from FedLoan not saying anything about missing information but that hey could not process my IDR request because " the version of the form you submitted is expired. '' Then I received a letter saying my account had been placed in forbearance to give me time to figure this all out. 
I am someone who has never been behind on bills and has always had excellent credit, and I do not need it destroyed by FedLoan Servicing.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Chime Financial Inc (GA)

I received a text and email from a company called Chime. I received notification that XXXX open an account in my name. I did not open this account and never heard of Chime. I called them and spoke to customer service agent and told of the issue and I sent email to their fraud department. I was assured it was being taken care of that day. Well today I received notification a card had been delivered. Ive ne et received a card and dont want it. Please help stop this issue. Thank you.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

While looking to book a hotel an advertisement with HUGE bold letter from XXXX XXXXXXXX XXXX credit card offering XXXX point if {$3000.00} are spent on the card within XXXX months. I followed the link and applied accordingly. Because I've had trouble with Chase in the past I read all the disclosures, terms and fine print. After completing the application and receiving the card and registering it online I noticed the offer was only for XXXX. I called Chase 's customer service department and they verified that it is only for XXXX and that they could not provide me with any additional answers or resolution other than that they can escalate it. 

I've attached a screen shot of Chase 's advertisement of XXXX points. When speaking with Chase 's customer service they also confirmed that XXXX is the correct offering for the exact card I signed up for and received. " XXXX XXXX XXXX ''
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2020 XXXX Bank collected a mortgage refinance fee of {$390.00}. Roughly 3 months later there had been no activity on this request. I called in and said that I wanted to withdrawal my application as the process is taking to long and we are thinking of buying new instead of refinancing. They agreed and apologized for the inconvenience. The loan officer, XXXX XXXX told me he would have to get the approval to get the fee reimbursed. He called me soon after and said that he got the approval from his manager. After waiting a couple of weeks, I called back to see what the status was on the refund. At that time I was told that I need to apply that reimbursement to the new loan application. I pushed back as that was not what I was told. XXXX apologized and said he would go back to his management to get clarification on this. He went silent at that point. I followed up several times via email to get a status update on this. I had canceled my application with them based on the fact they said they would reimburse the application fee. I then spoke with XXXX XXXX in the Office of the President, who also confirmed that if we told you something we will make it right. I am now being told that they didn't find a recorded phone call with this information. I have the name of the individual ( XXXX XXXX XXXX, who told me via phone that they would reimburse me this fee via check. The complaint office says they do not do reimbursements on application fees. I was lied to, made decisions based on those lies, and now am in the hole {$390.00} and several hours of disputing this with XXXX.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have reviewed a current copy of my credit report and it show inaccurate on in completed information listed on my credit report. I sent a request for investigation to Equifax regarding to an alleged public record listed of bankruptcy. I received in-completed and unverified information back from Equifax states alleged public record verified per data furnisher. I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. I asked Equifax to explain to me in writing how was their investigation conducted but they failed to provide me with their verifying investigation results from the data furnisher in writing. I understand that per the law of FCRA under permissible purpose. That I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information! I request further investigation to the matter and request a lawful reply.
Consumer complaint received 2022-01-28
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. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

Santander is not following through with their Multi-State settlement terms. I fall under the criteria to get the loan forgiven, get it cleared off my credit, and the title to my car. Received a postcard from the law firm handling this back in XX/XX/2020 and no word from Santander for anything. I have called their phone number and all agents have no knowledge of the settlement and will not forward me to anyone higher.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2022-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (ND)

I was a victim of Wells Fargos abusive private student loan practices. The charge exorbitant late fees. Erroneously charged interest rates. And did not apply payments to my account correctly.

Also, they never reached out to me for the CFPB settlement. When I tried to contact them they said they did not know what settlement. I have my payment schedule and account number.