davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (HI)

Hi, I am one of the many military members who was offered Barclay 's XXXX XXXX XXXX a MasterCard credit card ) with the waived annual fee of {$990.00} because I was on XXXX XXXX. Unfortunately, I just received a letter from Barclay 's that says they are changing their policy and will now be charging the standard {$990.00} fee. My primary complaint is this appears to be a blatant " bait and switch '' tactic which will have an impact on my personal finances. If Barclay 's would have been upfront about their intention of charging their annual fee after 18 months, I would have quickly passed on their offer. Unfortunately, I accepted their offer, canceled my other cards ( thinking my Barclay 's card would now be my primary card ), and now I 'm stuck with having to cancel the Barclay 's card and find another card to use.
Consumer complaint received 2017-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I pulled my credit report in  XXXX  o f 2017 and noticed t here were  XXXX  capital one bank credit cards opened in my name.  One with a {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact Capital one fraud departme nt they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX I called Chase customer service to initiate a claim for an unauthorized charge in the amount of {$360.00}. I was told that the credit would be added to my account within two hours of the completion of my call. XXXX has not been added to my account. I have tracked downwhat XXXX can regarding the charge from XXXX and emailed the merchant who charged my card to which she claims that they never charged my card. XXXX has not been any help to this charge initiated by them. I XXXX today. I have attached my email correspondence with her and the information that I received from XXXX. I neverplaced or received any orders for {$360.00} just as XXXX at XXXX XXXX XXXX has stated back to me via email. It makes no sense because heremail is @ hotbeautyhair but she claims that her website closedin XXXX but will check with the person regardingthem charging me on XXXX.I would like to ensurethat this claim is initiated and correctly credited back to my account and is handledwithin the appropriate guidelines in accordance with the Fair Credit Billing Act as this charge is not valid.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (HI)

Wells Fargo Mortgage chronically failed to progress and communicate the status of our XXXX mortgage loans with them and allowed their sub-contractor appraiser to miss several key completion dates that potentially jeopardized our purchase contract commitment dates. This compelled us to change airline flights and travel arrangements to avoid spending time in a hotel. 

Aside from all the angst we incurred a {$240.00} airline change fee as a result. Also Wells Fargo did not share/disclose the details for the second home rider until we discovered signing with a mobile notary. The conditions of the second home are stricter than what is provided for owner occupants and we believe these conditions to be unfair and information for this should have been provided up front. 

Lastly XXXX has missed XXXX dates they provided to resolve our complaints. They missed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 2016. In a Telecon on XXXX/XXXX/16 with WF executive team XXXX XXXX, she could and would not offer a commitment date to resolve our matters. We have lost confidence in Wells Fargo sincerity and ability to address valid customer concerns.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (MN)

Jefferson Capital Systems , Inc.a collection agency has reported to XXXX and XXXX credit bureau 's of an alleged debt to a cell phone carrier named XXXX . I contacted XXXX and requested that they send me a detailed report of the alleged services they provided me with the dollar amount they were claiming. I was advised that those records were no longer available due to the age of the of the account. I have requested in writing from Jefferson Capital Systems to provide documented proof of this alleged debt with no response from them.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AP)

I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about XXXX XXXX and Im scared.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AR)

On XX/XX/2018, I received a letter from Credit Collection Services stating I owe a debt to XXXX XXXX in the amount of {$220.00}. I contact XXXX for a QUOTE. I never agreed to accept the quote. It was just a quote for homeowners insurance. Now I am sent to a collection agency and my credit affected.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with XXXX XXXX XXXX regarding the payoff balance and GAP insurance. In May, the vehicle was officially paid off and I notified by XXXX XXXX that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though XXXX XXXX sent letters indicating that the lien was paid off.
Consumer complaint received 2018-03-22
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: BB&T CORPORATION (KY)

IN XX/XX/XXXX I bought an ATV, was offered Zero % Interest due to my nearly perfect Credit Score. I accepted that offer from XXXX XXXX XXXX, and the payments were billed by an internet service, XXXX, directly to my XXXX XXXX, which is paid in full every month thru direct debit to my checking account. Never an issue. In XX/XX/XXXX I received a collection call on a Saturday from XXXX asking when I intended to make the past due payments on my account? I was floored, because I had never made a payment, they were drafted automatically monthly ... at least from XX/XX/XXXX to XX/XX/XXXX. I questioned the caller quite a bit, as I was completely unaware of the past due status ... after some time the Customer Service Specialist II, said " You know I remember something like this with another caller a few months ago, can you please hold '' She returned with the name XXXX, the internet service that was actually taking my payment and processing it to XXXX. 

I searched my email for anything from XXXX to find contact information, and I did find an email dated XXXX thanking me for the payment..nothing further ... .after I inquired why they stopped making the payments I was informed of a huge data breech they experienced and that they had suspended all operations. That an email was sent to all users in XX/XX/XXXX notifying users that the service was terminating..well that's great if you get the email ... after several back and forth conversations, sending all the documents I was able to gather, hoping BBT ( XXXX ) would retract the past due report to Credit Bureaus, due the obvious and previous experienced issue with XXXX ... XXXX staed that they offer no 'Good Will '' Adjustments to items reported to the 3 major Credit Bureaus ... .This couldn't be clearer, it was NOT my mistake, yet my credit report has taken a significant hit because of the 60 days past due report. 

XXXX has offered via email to join in a call with XXXX to help support my request for a retraction, admitting that the email they " Sent '' to me was NEVER OPENED, no record that it was ever delivered ... ..spam filter, whatever ... ..and that they were sorry for the problems this has caused. 

This was a failure of the XXXX system, and for the error to cause negative rating to my credit, again nearly perfect for 25 years..is very disturbing ... and doesn't in any way reflect my personal credit responsibility and awareness. Only when I saw the FICO score drop in a monthly statement, did I become alarmed ... ..now 2 weeks into this I'm no better off than when I started this dispute. 

Please help!
Consumer complaint received 2017-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I calle d capital one on   XXXX  because of the hold they were placing on my credit card th e manager said that he would apply a credit for {$50.00} on my acct due to the inconvenience yet applied only {$15.00}. talked customer service tonight and they told me oh well his note is what we have to go by. I  have the call recorded and it clearly states {$50.00} yet they will now honor that
Consumer complaint received 2017-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XX/XX/XXXX I applied for a conversion of my HELOC to a fixed rate loan due to the balloon payment coming due on XX/XX/XXXX in the amount of {$28000.00}. It took Bank of America 8 months to process the conversion with approximately 5 different processors and multiple requests to resubmit the same documents several times as a result. In the end, it was the original processor, XXXX XXXX, who was assigned once again to my file and who finally moved us to closing in XX/XX/XXXX. In the beginning, XXXX had told me to continue making payments as I had been until we closed on the conversion/modification, which I continued to do as documented on the following statements. Bank of America is reporting my payment history during the processing time as 30, 60, 90, 120,120,120, 120, 120 during the processing time. I do understand the reason they are giving, saying the reporting is accurate because the full amount of the balance was due at the time. However, due to their failure to process the application in a timely manner is not taken into consideration and we should not be held accountable. 

Having been in banking as a XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX for more than 27 years, I know that this process should have taken 2-4 weeks at the most. Eight months is totally unacceptable and we should not be penalized for the banks delay. 

I have contacted Bank of America directly and filed disputed with all three major credit reporting agencies. Each time they reply that the reporting is accurate and no adjustment is made to my credit report.
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

I have an outstanding an student loan with Aidvantage. A small portion of this loan is unsubsidized. During the period of time in which interest/req 'd payments have been frozen I've been doing my best to pay down the principal on the unsubsidized portion of my loan. 

From XXXX - XX/XX/XXXX I've steadily and deliberately applied payment to the unsubsidized portion of my loan. During this time I saw the principal amount reduced as expected. During this time I used their 'Specify for each loan'-payment wizard and it followed my payment instructions as entered. 

On XX/XX/XXXX, when attempting to make payment as I had before -- instructing to pay only the smaller of the 2 balances ( my unsubsidized loan ), my payment instructions were modified without my consent. Payment was instead directed toward the unsubsidized portion of my loan. This portion has a significantly higher balance and will take more time to pay off. Any attempts to rectify this nonconsensual payment modification on Aidvantage 's part have hit a brick wall. Their 'specify for each loan'-wizard modifies my payment every time even though I'm attempting to pay down the smaller of my 2 outstanding balances. 

It appears Aidvantage has levied a 'ghost'-minimum payment threshhold that must be met prior to paying specifying principal paydowns which seems to be at odds with what the federal government has mandated.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has repeatedly not updated my score and continue to drop my score regarding XXXX student loans by the US Department of Education that are totaled at {$33000.00}, that are in deferment and have been since the end of last year. They consistently drop my rate with no changes in my credit report, besides only reporting NON UPDATED information. Transunion seems to consistently drop the ball out of all XXXX report agencies, as the others are more updated then them and exceed the score they currently report by over XXXX points. This is becoming a hassle and I am looking into a class action suit, as Transunion has been a consistent issue in regards to reporting my correct score.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to TransUnion today about the following accounts and they would not take care of me. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

This is regarding Chase bank. I had my Wallet stolen on the night of XX/XX/2017 I Called the bank at XXXX on XX/XX/XXXX at XXXX to freeze my account. The warning was placed on the account for any suspicious activity. to contact either police or Management if anyone tries to use my Debt card or any Bank transaction. This person went to XXXX XXXX Branch at XXXX and Withdrawal {$1000.00} out of my account I only had {$1100.00} the teller either involved in this or just ignored the warning and cashed the amount without checking the signature and entered my bank account number and wrote the amount on a withdrawal slip and gave him the money. when I called the bank about this incidence they told me to go to any Branch and take care of it. 
I went to the bank and the bank manager filed all the required documents and assured me that my money will be back in my new account within 24 hours cause I was advised to open up a new account. now they are telling me that it will take 30 days before I can see my money. I called their Claims department and the manger was rude to me and told me it is our procedure to go through steps and it will take 30 days before we can refund your money. I even told him that it is your fault and because of it I will not be able to pay my Mortgage and it will show up as late. he said I will not change procedure just one is broken and you have to deal with it. 
Because of my Mortgage will show up as later in my credit. why do I have to suffer for their mistake. everyone I am talking to in ti bank is protecting the teller and I am the victim and I am rudely treated.
Consumer complaint received 2018-03-22
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. (MI)

Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.
Consumer complaint received 2018-03-22
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

A REQUEST FOR XXXX XXXX XXXX XXXX LOCATION OF SOUTH FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX 2 ) XXXX  3 ) XXXX XXXX. LOAN # XXXX  PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (ND)

My mortgage loan was sold to Freedom Mortgage on XXXX XXXX, XXXX. I was notified in mid XXXX. Upon notification I called Freedom Mortgage to request that they pay my XXXX RE taxes from my escrow balance before XXXX XXXX so I would be able to deduct the payment on my XXXX tax return. They said they would not do it. I made several attempt to resolve this and finally was told my a supervisor named XXXX XXXX that if I personally paid my taxes that an escrow analysis would be performed upon confirmation from XXXX XXXX that the taxes have been paid and the funds would then be paid to me ; reimbursement by my escrow account held by Freedom Mortgage. I was concerned that I would not be reimbursed for many months but was assured by XXXX that the analysis would be performed promptly upon confirmation that my taxes were paid. This was late XXXX and I personally paid my taxes. XXXX would not give me her direct number or extension which I requested. I attempted to contact her by asking for her by name going through the customer service number. I was able to get through to her voice mail once and left her a message. XXXX did call me back and left me a voice mail but did not leave any information as to the status of my situation. I have XXXX other attempts to contact her and was refused by the agents to get transferred to her or her voice mail. I was told my XXXX of the agents that I would get a call back the next day regarding my situation. The call was never received. I called again today and again they refuse to transfer me to XXXX and that an escrow analysis would not be performed because Freedom Mortgage paid my RE taxes in early XXXX. So, a reimbursement would not be possible. Repeated requests to speak to XXXX were refused. The agent I am speaking to, as I write this, was able to get in contact with here while I was on hold but refused to transfer me to her or her voice mail. Horrible customer service experience as well as not following through with what they told me they were going to do. I am now at a loss as to how to resolve this. So, a timely reimbursement of my funds is now not an option.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent the credit bureaus ( Experian, XXXX XXXX XXXX ) a letter of investigation, to conduct and verify everything on my credit report is 100 % accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX The credit bureaus stated that my accounts are property investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is ground for removal as they also violated my rights under.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States that I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It states that a consumer agency can not furnish a account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ). States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.