davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, On XX/XX/2019, I made two separate in-store payments, from my personal XXXX Checking account, to the merchant Helzberg Diamonds that was to apply to my Helzberg Diamond Capital One issued credit card : Payment 1 ) In the amount of {$150.00} XXXX  # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Payment 2 ) In the amount of {$100.00} XXXX # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Both payments successfully posed to my XXXX checking account. My XXXX XXXX and statements can show verification of this. 

Payment ( 1 ) for {$150.00} XXXX # XXXX successfully posted to my XXXX  Checking account and towards my Helzberg Diamonds Capital One account. 

Payment ( 2 ) for {$100.00} XXXX  # XXXX also successfully posted to my XXXX   Checking account, however DID NOT post to my Helzberg Diamond Capital One account. 

I have tried to resolve this situation by numerous in-store visits, then phone calls and emails to both Helzberg Diamonds Capital One account with no resolution. There response has been, " Sales Audit can't find the transaction. Take it up with your bank ''. 

I have tried to resolve the issue with my XXXX XXXX. XXXX XXXX can not intervene because the charge for {$100.00} to be drafted from my account, the ACH was indeed truthful, however the issue is that Helzberg Diamonds Capital One NEVER posted the payment as they were supposed to towards my credit card account. 

I would like for the Consumer Financial Protection Bureau to get involved, because my bank can not assist me and the merchant Helzberg Diamond Capital One refuses to do anything for me and their customer service skills in the process has been subpar of incompetence. 

My bank if needed can indeed verify that the transaction has posted directly and/or with true and finalized bank statements, and I can also provide the Helzberg Diamond Capital One statements to show that the payment was never properly posted to may account.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scott Fetzer Financial Group Inc. (VA)

i purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX and i also contacted united consumer financial services company i talk to XXXX at XXXX and he told he needed a copy of my ss XXXX letter and a doctors note why i cant use the XXXX so i faxed it to him and he faxed it to XXXX   the girl called me and she said she would be here this past thursday and she never showed up to pick up the vacuum they only gave us 3 days to cancel the cancel date was XX/XX/19 and my first payment would be in XXXX i only used it twice i cant pick it up and move it room to room and i told XXXX when i called them and they were nasty about it XXXX called today on XX/XX/19 and asked me what was going on and i told them so i have to call XXXX  on monday to see what they are going to do when i called XXXX before the girl told me to sell it to someone and try to pay it off thats not what a business does so i need them to come get it and take it off my credit report and come pick it up they are being very nasty about it
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The Bank placed a 7-day hold on my cashier 's check from XXXX XXXX in violation of Reg CC. This is abusive. The check was for {$8500.00} and there is more than enough money in my account there to cover it. Just another example of a bank abusing its customers
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (AR)

On XX/XX/XXXX I went to evolve bank atm to withdraw {$820.00} dollars from the atm. The machine didnt give me my money but the funds were taken off of my card. That day I called US Bank ReliaCard who owns the card which my child support money goes to. I opened a dispute they said that I would get my money within 10 days so I waited and waited I called back and asked what the status of my claim was and they said that they closed out the dispute XX/XX/XXXX nothing was wrong. The next day I called evolve and asked them what was going on and they said on the XX/XX/XXXX they sent an email and my money to them letting them know the atm was over {$820.00}. So XX/XX/XXXX I opened another dispute and evolve sent another email saying they already sent my money to them and I need my funds. The manager said I can open as many disputes as I like and they all will be closed out they are very very rude. So Evolve and I three way called them and they would hang up on us every time we called. I know that they have my money and evolve is doing everything to help me out by tracking where my money went and this is my last chance to get my money before I have to get a lawyer involved.
Consumer complaint received 2019-09-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is a case of Identity theft and fraud. I have provided exhibits A thru C in addition to other documents that I still request a response to. The alleged Bank of America itemizes billing statement say XX/XX/XXXX filed. I never had a loan with anyone in XXXX. The second alleged Bank of America billing statement states XXXX. Again I never had a mortgage loan with anyone in XXXX. The Mortgage was alleged to be XX/XX/XXXX. A true itemize billing statement does not change the dates back and forth. Exhibit A is the deed of the home and the first mortgage loan I ever had dated XX/XX/XXXX Warranty Deed. Not XXXX or XXXX. Then I received a release of Mortgage XX/XX/XXXX. Which was the same loan received in XX/XX/XXXX. As well as a congratulations letter stating the loan was paid off by the first senior lien holder. There was a subordinate agreement between the other lenders. If the home was foreclosed on by an alleged junior lender the first mortgage would need to be paid off first. However the home did not sale prior to the release of mortgage. A borrower does not receive a release of mortgage following a foreclosure. Exhibit C show the loan trail activity from XX/XX/XXXX all the way to the release recorded in the county deed records on XX/XX/XXXX. It also shows that there is no record of Bank of America as a servicer recorded in the deed records at all. Nor was there a recorded Assignment showing Bank of America as a loan servicer on any account in the recorder of deeds. With the information i provided clearly shows me a true owner of the home. Bank of America is not the owner of the home. I would like to let my evidence do the talking. Requesting a response to my complaint.
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AL)

I lost my Bluebird AMEX. This card was use as a pay card and I went to the website and cancelled and requested a new card. After waiting the 7-10 business days i did not receive a card. Then I called the company to ask where is my card only to discovered it had not been cancelled and all my money was spent. The agent advised me in these cases we should call them although it offered to cancel and request new card on website. I proceeded to began the dispute process. The most disturbing thing of it all is when your transferred to the Fraud department the agent comes on and repeatedly calls your name and says hello, says they cant hear you and disconnects the call. This happened twice before I asked for the direct number. All of a sudden with direct call they can hear fine. I was advised to wait 10 business day for provisional credit while it may take 45 to complete investigation. On the 10th day I received an reject of dispute email. And of course when called to transferred to fraud dept. they could not hear me until I called back direct. The dispute is on going. The lost card resulted in {$230.00} loss at this point.
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, was listed as the debt collector for an amount of { {$1400.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you!
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

A cancellation of an XXXX credit card payment {$1900.00} didn't go through and they can not stop it and will do multiple attempts ( that is what their representative said ). 
When I noticed the next day ( Tuesday XX/XX/XXXX ) that fund will be low on the Citi Bank account, I setup a bank transfer from XXXX to Citi Bank. 
XXXX did two trial deposits ( {$0.00} and {$0.00} ) and later subsequent debits on the Citi bank account on XX/XX/XXXX, to establish connection so I can transfer funds. 
On the same day ( XX/XX/XXXX ) XXXX deducted {$1900.00} for credit card payment. 
Also on the XX/XX/XXXX since I now can transfer fund from XXXX to Citi, I initiated transfer of {$1900.00} from XXXX to Citi. 
On XX/XX/XXXX the funds from XXXX got to Citi bank checking but the XXXX charge was returned and an overdraft fee was applied. I contacted Citi bank right away and they waived the {$34.00} overdraft fee. 

This morning XX/XX/XXXX I noticed an overdraft of {$68.00} on the Citi bank account. I reached out to Citi customer service and they said that was for the two trial debits while the account was overdrawn. I tried to explain that I dont ' have control when banks debit amounts and that I tried to fix it by transferring funds to the Citi account. 

Today XX/XX/XXXX Is see that XXXX now charged {$1900.00} again and because of the {$68.00} overdraft fee I am overdrawn again. The representative this morning said I may get another overdraft charge the next business day.
Consumer complaint received 2019-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TN)

This company is a nightmare with the escrow acct ..first it was trying to get them to remove my pmi which was suppose to be automatic ( I had to email them a copy of the contract to get them to comply I cant imagine how they wouldnt have this ) ..now they failed to pay my homeowners insurance I caught it day before and after many lies got someone to agree to overnight it so I dont loose insurance or be charged late fees ..now they show they took it out twice and are having to advance me money ... I find bbb had many complaints like this on them ..the escrow department lies every phone call and I have to make up to 8 calls about each situation ..I have never had to worry about my things being paid from others
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I had a dispute over a wire transfer over the XXXX XXXX weekend with 5/3rd Bank for the amount of {$1500.00}. I immediately called the Dispute Department and signaled Fraud. I was advised from the dispute department to call XXXX   XXXX XXXX where the transfer was sent. XXXX indicated that the information could not be shared of where the funds were transferred. As it turned out, I did not get the funds back. According to FBI reporting on wire transfers, as time drags out the less likely you will not recover your funds. An increase of wire fraud had increased over the last few years. 

I did not get a Field Investigator assigned until weeks later who was XXXX XXXX. His phone number is XXXX. I also filed a police report. XXXX shortly after took a vacation and when he promised me he would get back regarding the status of my case ; and I did not get a response over several calls. I also filed a complaint to recover my funds to the Loss Prevention department through XXXX XXXX who is a Bank Manager. I discovered on XX/XX/XXXX when visiting a local branch without notice that my Loss Prevention Claim was denied in XX/XX/XXXX under Dispute # XXXX. I even suggested to XXXX should I report this to the FBI and he said no he can handle my case. 

This transaction was part of the Bank 's Negligence writing that my transfer was due to health care reasons and dragging out an investigation. I hope that CFPB can resolve this matter with a Bank for once because I am filing a Civil Suit against 5/3rd Bank for more than my losses if my {$1500.00} is not reimbursed. I am getting tired of Banks getting away with misconduct and not recovering losses when Banks do have insurance. I have had a couple bad experiences with Banks not covering check fraud, and other related issues ; and I am not letting this issue go because I do not want other victims/consumers to encounter the same problem.
Consumer complaint received 2019-09-21
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. (TX)

IreachedouttoEquifaxaboutsomeaccountsthatwerenotreportingcorrectinformationonmycreditprofile.UponresearchandreviewIfoundoutthatallaccountsaretoreportcompleteandaccurateonacreditfileandIbroughtthistotheattentionofEquifaxinXX/XX/XXXXandXX/XX/XXXXbuttheycontinuetoreportthesameinformation.Theydidnotperformaproperinvestigationliketheyclaimedbecausechangeswerenotremoved/updatedaccordingly.

InoneofmychallengesIpointedouttothemthattheydidnotmarktheaccountsasbeingdisputedaspartoftheirprocesswhichisaviolation.TheyignoredthefactthattheyhadalreadyviolatedthatandmarkedtheaccountassuchuntilAFTERIpointeditouttothem.
Consumer complaint received 2019-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC (AL)

The company Prestige Financial is the company in whom I have a vehicle loan with. The loan is due on the XXXX of each month with a 10day grace period, which then will accrue a late fee after the XXXX of each month. I get text messages from them 2 days prior to the due day and every day 2 and sometimes 3 text  message a day inquiring about when can they expect payment. If I have ever been in a financial situations I have always communicated with them but to send message after message and say things like I don't know why you will not communicate and I have not even completed the grace period. I has just become overwhelming at this point.
Consumer complaint received 2023-04-05
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 have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according .I have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according to the FCRA everything must be 100 % accurate 100 % verifiable and 100 % complete. Pursuant to 15 USC 1681i ( 7 ) I have requested the description of procedure and have not been provided this information
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XX/XX/XXXX
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer, natural person an Original Creditor of an open-end credit plan was denied my right of credit by Capital One was notified of the transgression of my rights specifically 15 usc 1601 The Truth In Lending Act by Capital One On XX/XX/XXXX via US mail according to 15 usc 1602 definitions of the Truth In Lending Act I as a natural person possessing an open end credit plan was harmed by Capital One adverse action taken against me denying my rights. And in Capital Ones Response to my consumer credit application Capital One also discriminated and discouraged me an applicant from applying for an extension of credit by noting in there letter that they are taking adverse action on the grounds of a consumer report that was provided to them by a consumer reporting agency called Early Warning Services which is a direct violation of 15 usc 1681m ( C ) ( i ) ( I ), ( ii ) which states that grounds for an adverse action can not include or be on the grounds of information in a consumer report, and can not be based off of information solely as to transactions or experiences between the consumer and the person furnishing the information. 

Capital one is now civilly liable for discrimination and discouraging me the consumer pursuant to 15 usc 1691e ( a ), ( b ) ; and Capital one is criminally liable pursuant to 15 usc 1611 for failure to disclose the cost of consumer credit pursuant to 15 usc 1611 and owes {$5000.00}
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Bass & Associates, P.C., Attorneys at Law (MT)

I received a letter from Bass and Associates, P.C.Student Loan Department XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/2018.Immediately I send a validation letter requesting, 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in Montana, on XX/XX/2018. Since then I have not seen the documents requested. I have received 2 more collection letters and they are still reporting t to all three credit bureaus. I need help. Please. Thank you.
Consumer complaint received 2019-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I applied for a home loan from company XXXX XXXX   company who is associated with Carrington Mortgage located in XXXX, TN XX/XX/XXXX. My loan officer name was XXXX XXXX. It took her about a day or two to see if I qualified credit wise and I did. My credit score got me qualified for an FHA loan and I asked for XXXX mortgage loan. She got all of my documents and told me that she couldn't use some of my income because it was from my business and I need to be in business for at least 2 years in order to file it. So she denied me for the loan BUT she never ask me if I wanted a smaller loan. I actually had to bring it to her attention if I qualified for anything lesser than I originally ask for. Because I ended up finding a home for a little of nothing and I was going to fix it up. I asked for XXXX mortgage loan and she said yes I can do it. That's when things went left! All of a sudden she had so many meeting that she wouldn't answer the phone and could barely email me back in a timely fashion. She would ask for additional types of documents and bank statements which I indeed provided to her. On XX/XX/XXXX I asked for a Prequalification letter, she hits me with I have additional questions I need answered and I answered those as well. I asked her what was the need for the additional questions she replied, so we won't have to do them after I get the loan. The last time she ask me a question and for documentation was on XX/XX/XXXX and again indeed sent it to her. I never received my pre-approval letter! On XX/XX/XXXX I tried calling her no answer so I emailed her and she replied I never received the documents I asked for on XX/XX/XXXX and I replied I did send it to you and I even copied and forward the information to her. Also on XX/XX/XXXX I email her supervisor XXXX XXXX and explain to him what was going on and I was waiting on my approval letter. Guess What! ... I never got a reply from loan officer XXXX XXXX nor her supervisor XXXX XXXX from the email I sent both of them on XX/XX/XXXX. I feel like I was done this away because of my race and I'm deeply hurt by this experience.