davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (MA)

I had completed my 3 year lease with Volvo Financial in approximately XX/XX/XXXX. I moved away from California in XXXX of XXXX and never knew that Volvo had charged me an extra month payment fee. I only knew when it appeared negatively on my credit report. 

I disputed many times because the car was in flawless condition upon return, new tires, regularly maintained and extremely clean. I asked and disputed the charge from my report thinking they made a mistake in the last payment for which was paid. 

XXXX  who is the only reporting agency that has this on my report as a negative refused to make any further disputes to resolve the issue. This agency is the worst managed out of the three agencies. 

I only want what is fair and since the account has been charged off I doubt Volvo will accept any payment to have it removed, but will attempt again. 

VIN : XXXX
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

I had a medical bill for {$45.00} that was paid by check to the company that provided the service, XXXX XXXX. 

Months later on XX/XX/2019, I get a notice from a credit monitoring agency saying a deliquent account for {$45.00} was reported by " Focused Recovery Solut '' to ONE of the credit bureaus. I called the number to investigate what it was for and then see it had already paid but call the bank and the check didn't show cleared so I mailed another check to the company, XXXX XXXX, and carbon copied the letter to the collection company, Focused Recovery Solutions, on XX/XX/2019. 

I never received any correspondence from Focused Recovery informing me of the debt or trying to collect until yesterday, XX/XX/2019 when they said they received my dispute and it was infact valid and they did report it to the credit agencies and are still demanding payment. 

Furthermore, they reported it to the other two agencies the first of XXXX. 

The appropriate steps were not taken to collect the debt and it was paid again on XX/XX/2019 by check # XXXX and cleared the bank on XX/XX/2019 -- -so it's NOT VALID!
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (OH)

I got a credit card with XXXX to make a big purchase where they offered me a store credit card and told me I would not be charged interest for a year and I would then have to start paying interest after the year was up. I then got the card and made payment when the offer was up I got my balance down to XXXX believing I would only be charged for that remaining balance interest. I then got charged XXXX in interest in XX/XX/XXXX, immediately after I realized the charged I called XXXX XXXX ( Comenity Bank ) to try and reverse it so I could pay my card off without the charge because I never once saw that I would be charged that amount. On the first page of my statements it didnt say I was getting charged interest and at the time I did not know what a accrued interest was. It wasnt until after I noticed the charge I seen all the information about the amount being charged was on the last page of the statements. I then contacted the company and they did nothing. All they did was explain the promotion which should have been explained to me at the time I was signed up for the credit card. The information they provided was misleading and all they wanted was for me to sign up for a credit card. I then did further research on the topic and feel like they are in violation of regulation Z in truth in lending. I read that the information that they provided on the last page of my statement is meant to be in the front page And it is not. Statements also says 0 interest being charged for the month on the first page which was very misleading I contacted them as soon as possible to try and reverse it and pay off the bill but they are not trying to work with me at all.
Consumer complaint received 2019-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (CA)

XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX Illinois regarding an outstanding balance of XXXX owed on a XXXX XXXX financed by Honor Finance. I signed a Letter of Settlement for XXXX which was paid XXXX a month for 10 months. The Settlement letter has both General Counsel 's and my signatures and date. The last payment was applied on XX/XX/XXXX. While making scheduled payments, Honor Finance went out of business ( was not aware of it and payments continued ). 

Less than a month after the final payment, I was contacted by Westlake Financial asking for payment. I explained to them the debt had been settled and went on to email them proof of the Settlement Letter with General Counsel 's signature. For 2 months I waited on them to hear from their legal department who supposedly had to determine who was servicing the Honor account. First, they were asking for XXXX, then XX/XX/XXXX they asked for XXXX. In XX/XX/XXXX, I called XXXX XXXX of XXXX XXXX  XXXX Illinois and we had a conference call with Westlake who was still asking for payment after XXXX confirmed the debt was paid off. I had an XXXX XXXX   yesterday after speaking with XXXX XXXX ( Westlake ) because I was so XXXX  and XXXX, please help me. 

Westlake will not accept this and their tactics are unethical and criminal, they need to be investigated and stopped.
Consumer complaint received 2019-10-06
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. (LA)

XXXX deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to XXXX and the cpfb. 
My last payment was in XXXX they have written to cpfb and XXXX I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification from XXXX!!!!
Consumer complaint received 2019-10-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I had received a Form 1099-C claiming that I had a cancelation of debt at {$8800.00}. and that the identified date is from XXXX, from CIT Morgage Servicing, NOT the company that I have my mortgage with. On attempting to contact them via phone a few days later on the XXXX, no one had picked up, I kept calling until I had finally conversed with, Ms.XXXX ( agent id # XXXX ) on XX/XX/XXXX, where they told me that they could not find any information about me in their system, ranging from SSN to my name. She had given me an email address to contact them. I had emailed them ( at XXXX ) telling them to issue a CORRECTED 1099-C form to me and the IRS where the amount was XXXX. They had given me a ticket number ( XXXX ) in response to this on XX/XX/XXXX, claiming that they had assigned the case to someone. Never having received a response, I emailed them again XX/XX/XXXX with nothing but a confirmation that they had received it. There has been no other contact attempted by this company.
Consumer complaint received 2019-10-06
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)

Transunion deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to transuion and the cpfb. 
My last payment was in XXXX they have written to cpfb and transuion I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification from Transunion!!!!
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I applied for a Discover card in early XXXX. I reported income that I expected to make in 2019. I was issued a card based on this information. I received a few emails asking me to call Discover. At  first, I thought they were scam emails so I did not call. After receiving a voice mail indicating that Discover was trying to verify my income, I called the XXXX # on the emails. I was told that the income reported was not verified and therefore the card issued was closed. I hadn't used the card nor had it been activated. I asked why they would have issued a card prior to income verification and a response was not given. Unfortunately, this now shows up on my credit reports as a card opened and closed with a very short duration. This is affecting my credit score. I called Discover on XX/XX/2019 to ask if the open/closed account had been sent to the credit bureaus and if this was standard practice for situations like mine. The reply was " yes ''. 

Are credit card companies allowed to open a card prior to verifying income and then closing said card and then reporting said card as having been open/closed ( when card was never used or activated )? It's almost as if this was double jeopardy or adding insult to injury - denying card and then reporting it as open & closed. Discover said "  yes '' to these questions. 

My credit score has dropped to XXXX and as a result, XXXX XXXX is increasing my interest rate from 7.99 % to 13.99 %.
Consumer complaint received 2019-04-09
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: WELLS FARGO & COMPANY (GA)

Wells Fargo allowed for a credit card to be opened in my name by someone who obtained my information as a result of identity theft. I have in the past been a victim of identity theft, and since the I have struggled with having multiple accounts opened in my name and social security. I have notified Wells Fargo, and all 3 credit reporting agencies that this account was opened as a result of identity theft and I have provided a police report, but Wells Fargo has refused to remove the fraudulent account out of my name and both XXXX  and XXXX have continued to report the fraudulent account even though I also told them this account was fraudulent and I have also provided them a copy of the same police report. All 3 of these companies are violating my rights and are refusing to remove this fraudulent account from my credit file and therefor they are violating my rights to good credit and are violating the FCRA Section 605 ( B ). I have sent certified letters to all 3 of these companies and they have continued to ignore me. This account is fraudulent and was opened as a result of identity theft.
Consumer complaint received 2019-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Numerous past complaints have been filed pertaining to a close out check sent to me on XX/XX/XXXX with a stop payment placed on it and a replacement check which was intercepted by a third party while I was away on vacation. I requested Capital One compare signatures on both checks in prior complaints, they failed to do so and have not reviewed information provided concerning the third party whom forged my signature. I provided information showing my whereabouts at time of check cashing, they refuse to review this information as well and hose to mark my complaints as duplicate to avoid addressing it. The account in question was opened as a result of data breach, opened in XXXX. Capital One rep by the name of XXXX stated there was no breach at that time, however, the time period in which information was exposed is from XXXX to XXXX and my information was on file with Capital One from past accounts which were opened as far back as XXXX. It is highly possible the account was opened due to breach as two credit accounts were also opened in my name, both with Capital One. Again, I request Capital One compare signatures on both checks, one cashed on XX/XX/XXXX and second intercepted check, both in the amount of {$4200.00}. Failing to do so, the attorney representing me in data breach will be notified.
Consumer complaint received 2019-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

This co. was nice up to the point I paid them off. I tried to call back to find out when they would notify XXXX so I could get my service set up with my new move. They assured me a number of times which was a lie, that XXXX would " automatically '' be notified once I used my debit card to pay the debt. Well that was a false statement made by them! The office I went to in XXXX, CA did not have that info on their system & tried to charge me a deposit because of it. I told them what happened, the rep gave me her info for them to fax proof of payment or email it to her. They declined to do both, became very argumentative & declined to send anything to their client - XXXX to prove I paid the debt so I could have my service set up. It's a good thing I am an honest person, because the lady I dealt with set up the service & eventually verified it with her collection dept. She also confirmed they never sent her anything. I spoke to a manager who was super rude & argued with me about his co. 's policy. I checked my email blocked list & found I blocked them because they kept sending me emails they were not authorized to send by me. So I never got the proof of payment because of that. They were very nice & cordial up to the point of getting paid. Once they got paid their attitude changed and they turned rude. They refused to assist me when I told them I paid the account. They said if I didn't owe anything they had no reason to acknowledge my requests. Who does that?! All I wanted to do was get the proof of payment so I could present it to XXXX. I was told I'd get it in the mail, guess what I got? NOTHING!! So they lied and likely never tried to send it to my email address either. If they didn't get something stating the email address of theirs was blocked, which it was, then they're lying again, they never tried to or sent me any proof of payment. I'm officially demanding it now & want it on record about their bad behavior after they were paid. Lying doesn't really get anyone very far and they lied & purposely complicated my business with XXXX making it difficult for us to schedule my services. I went 5 full days without services of any kind until we got proof of the payment settled. I didn't appreciate it then and still don't.
Consumer complaint received 2019-10-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (AL)

The loan company has the car and when I got divorced it is in our divorce paper my ex-husband is solely responsible for it all and i tried to change it over but the company has yet to do that. And it was agreed to be taken off my credit report. And it hasnt be done so yet.
Consumer complaint received 2019-10-06
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 (FL)

Well I have a capital one secure credit card that I open back on XX/XX/2018. Never been late for payments, actually balance from XXXX credit is only XXXX and they closed and RESTRICTED my account for no reason. 
Everytime I call they say they cant provide me with any info as for the current status of restriction on the account but they DONT TELL ME WHY.
Consumer complaint received 2019-10-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

I am going through a divorce and the virtual currency has been discovered and now documents are going to be supeona. Can you help me understand and where to look to retrieve all the currencies and any transactions. The funds was hidden but they now have been found Any advice would help. Address is XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY ()

There are three derogatory statements on my credit report. I am not sure who or why these derogatory statements were made. the identified company is identified as WF EFS. This may have been a school loan through Wells Fargo. This is may be from a loan my daughter had taken out and I served as a co signer. To best of my understanding my daughter had set up regular payments through her bank. As she lives outside of the United States, her payments went through several banks and eventually through her US bank  ( XXXX XXXX XXXX ) Again to my understanding there was a change in way Wells Fargo processed payments and or collected, Neither me or my daughter were notified that the payments were not being processed until after three months had not been processed at which point they attacked my credit report. Which how I found out about the problem. There was no prior notice The money was in the accounts and available for payment. When I found out about the payments not going through we contacted the banks and made the necessary corrections. I attempted to contact Wells Fargo regarding a resolution, it was like talking to a wall, and got nowhere with the Wells Fargo From that point forward all payments have been made on time through an automated payment process. And the loans have been completely repaid. 
I see that what I believe are these derogatory comments still on my credit report.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX day late? how is that possible? 

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.
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (DE)

Flagstar Bank, XXXX XXXX XXXX XXXX, MI XXXX is engaged in an unfair and deceptive practice with regards to making mortgage loan payments. 
Our mortgage was recently transferred to Flagstar so I called to set up recurring payments. I was asked if I would like to set up bi-monthly payments that would save on interest costs over the life of the loan. 

I know the difference between bi-monthly and bi-weekly. I specifically asked the specialist if the payments would be taken twice per month, reducing the outstanding principal with each payment, thereby reducing the interest paid monthly to reduce the term of the loan. She responded yes that was the case. I asked the question again, just to be sure of what was being offered and again she answered in the affirmative. 

I agreed to have the paperwork sent to me, but upon reading it, realized the agreement did not match what I had been told on the phone. The agreement would take the normal monthly payment ( e.g. {$1000.00} ), divide it in half ( {$500.00} ) and deduct that amount from my checking account every 14 days ( 2 weeks ), not  twice per month. So there would be months where three payments would be made instead of two. These payments would be taken and held in advance of the due date, so even though I have lost the use of the funds, it would not count towards principal reduction. Additionally, the {$500.00} example payment would be held and unapplied until a full {$1000.00} payment is deducted. So, the 'benefit ' of the program would only be realized at the end of the year. 

I understand that the paperwork states bi-weekly but that is not how it is described on the phone and sold to the consumer. Furthermore, the consumer should get immediate credit against the principal balance, for the deducted funds taken every two weeks.
Consumer complaint received 2019-05-25
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. (MI)

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, yet to no avail.
Consumer complaint received 2019-09-19
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: Santander Consumer USA Holdings Inc. (PA)

SANTANDER AUTO is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has illegal, in effect seized my assets ( over XXXX worth ) and barred me from accessing my money in three different accounts ; primary 360 checking, ( {$1000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : Primary 360 Money Market ( {$40000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : 1 Year CD ( {$10000.00} as of XX/XX/2019, under account Number XXXX ) I have hired an attorney to sue this entity for fraud, illegal seizure of assets, and contacted the FDIC to file a complaint for the same as above.