davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one card ending XXXX. Capital One is showing a 30 day late mark on my report from XX/XX/XXXX. I wasnt late ; I called in XXXX multiple times to make sure it would reflect accurately. I spoke with several people and they assured me that the error would be removed. However it is still not removed. I called in for the past 3 years, some even saying that they dont see a 30 day late mark while Im looking at my credit reports and it still shows there. I called in a few times in XXXX and they assured me they are helping and will remove it but they havent and they keep telling me to wait until a later date. They refuse to pull up the original call when I first noticed the late payment showing on my credit report.
Consumer complaint received 2020-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me (
XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to  get this resolved since XX/XX/XXXX. 
The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

On or about XX/XX/XXXX I contacted my local branch of BB & T now 'Truist ' to notify them that I wanted to change the instruction my monthly consumer loan payment with them which I had with them for since XXXX. BB & T currently is using my checking account that I have established with them since XXXX to debit on monthly basis to get paid on this loan. 
my intension on XX/XX/XXXX was to change this arrangement to my checking account with XXXX XXXX XXXX. .Banker at XXXX XXXX XXXX XXXX FL XXXX processed the required paperwork the he presented to me for this request. Last week I contacted the BB & T consumer loan dept. to find out about the status of my new instruction on this loan payment I was told that as of XX/XX/XXXX they have NOT received any forms from me or the banker that has processed my request at the local branch. Immediately again I contacted XXXX office branch and spoke to the same banker that had processed my original request and was told by him after his research on status of the form that the form is LOST and the fax DID NOT go through be their system.! He wanted me to go back and start the process again. On XX/XX/XXXX I received a registered letter from branch manager of this branch that BB & T decided to CLOSE my savings and checking accounts with them in 10days and  as of the date of their letter to me I should not use their banking service and cease writing checks on my accounts. 
This action by the bank is very upsetting to me and my wife. As I indicated before Myself and my wife have been a long term customer of this bank and in a very GOOD STADING Status. I recently paid off my mortgage with them. Never wrote a bad check or violated any condition that may cause this action by the bank. No reason was given on their action. I will appreciate if your Bureau can look into this matter for me to find reason of this action. I have done everything right on my side and those are the one at fault for messing up my instructions.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

Checking account disappeared from Online banking, the Debit card does not work, account number does not work, The USBank customer service can't locate my checking account with either my account number or my SSN, I had money in my account, now cant access it anymore
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I searched for a product on XXXX. Found it on a website XXXX  and saw that the website has been running since XXXX. XX/XX/XXXX, I purchased a product for {$410.00} via XXXX. The XXXX email was XXXX After not receiving any updates on the order and being asked to pay for a {$200.00} product insurance ( I did not pay it ), I came to the conclusion that I was scammed. 
I called Chase banks claims department twice and they told me they could not help me because it was a XXXX payment.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I have never missed a payment until Covid shut my job down. I have had this first mortgage and my Heloc Since 2014 I have tried to make these payments. I need a fresh start. I would like to consolidate the XXXX and the XXXX mortgage into XXXX loan and receive a modification. 

XXXX year 1 % rate XXXX year 2 % rate XXXX a fixed rate of 3 % for the life of the loan.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account with {$1000.00} for no reason on XX/XX/2021 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX gmail.com
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NY)

The phone number XXXX has called me a few times a week for several weeks. The caller ID reads " LJ Ross Assoc ''. When I XXXX, this is a legitimate debt collection agency, but the number that called me does not match any of their contact numbers provided online. They do not leave a voicemail. 

When I called back I asked " I want to know who this number is that keeps calling me ''. They asked my name, I stated I would not provide that information until they tell me who they are. They read the name " LJ Ross Associates ''. I said " what type of organization are you? '' and they stated " we handle personal matters ''. I stated I would not provide additional information unless they provide more specific information and they said " Okay then have a nice day '' and hung up. 

Either a scammer is spoofing this number or LJ Ross Associates is refusing to provide additional information about the nature of their business or validation of any alleged debt.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was looking for a place to live on my own with my significant other. We found a place on XXXX XXXX. I contacted them and it all started there they played as a renter and an attorney. I sent over {$1700.00} believing I was doing so for a rental. After the last payment was made we scheduled an appointment so we could sign and get the keys but when I showed up to the home there was a lady living there and she told us it was a scam. 
XX/XX/21 {$40.00} XX/XX/21 {$80.00} XX/XX/21 {$50.00} XX/XX/21 {$280.00} XX/XX/21 {$500.00} XX/XX/21 {$600.00} XX/XX/21 {$170.00} My bank said because they were payments thru zelle that theres nothing they could do.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MI)

Subject : Urgent Complaint Regarding Federal Loan Servicer and Repayment Plan to Consumer Financial Protection Agency Consumer Financial Protection Agency [ Your City, State, Zip Code ] [ Date ] Dear Consumer Financial Protection Agency, I am writing to bring to your attention a concerning matter regarding the handling of my federal student loan by the loan servicer during a transition and the subsequent difficulties I have faced in the application for an income-driven repayment plan. 

Having recently completed XXXX XXXX in XX/XX/2023, I promptly applied for the XXXX XXXX. However, my loan servicer shifted from XXXX to MOHELA, resulting in a series of issues with my application for the income payment repayment plan. Despite numerous calls ( XXXX thus far ) and attempts to seek resolution since XXXX, the processing of my application has not progressed, leaving me in a state of uncertainty. 

Every time I have contacted the servicer for updates, I have been provided with a standard response indicating a XXXX processing time. Regrettably, it has been almost XXXX months, and I am still without any concrete information about the status of my application. Furthermore, my attempts to speak with a supervisor have been consistently unsuccessful, leaving me without a higher authority to address these concerns. 

In addition to the protracted processing time, I have encountered difficulties in navigating the forbearance process. This has added to the overall frustration and anxiety associated with my student loan management. 

I believe these issues are not only impacting my financial stability but may be indicative of broader problems within the loan servicing system. Therefore, I am seeking the assistance of the Consumer Financial Protection Agency in investigating and addressing these concerns promptly.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Agency will take the necessary steps to ensure the fair and efficient resolution of these issues.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (TX)

Repeated calls from +XXXX ( XXXX XXXX XXXX ( extension XXXX provided in voicemail ) who claim to be Northstar Location Services & collecting debt. Per complaints online, this number asks for a name that does not belong to the called number & does not remove number from directory. This is harassment.
Consumer complaint received 2020-11-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (CA)

Approved for a loan by Amerifirst loan officer XXXX XXXX. His company is unprofessional, disorganized, and cost me time and money. 


There was a credit issue that was seen in the initial credit check which was ignored and inevitably cost me the loan financing! 

Due to XXXX incompetence, I also lost my earnest deposit as it was XXXX who said we were good to go removing loan contingencies!
Consumer complaint received 2017-11-13
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. (CA)

XXXX/XXXX XXXX and the collector for this account, XXXX XXXX XXXX XXXX .... are wrongfully appearing on my TRANSUNION CREDIT REPORT. 
IN ADDITION XXXX XXXX XXXX .... IS wrongfully appearing on my credit report. 
I have NEVER ORDERED ANYTHING from these companies.EITHER someone has used my information to order or it is an error of the company.Also I have never received any product or merchandise from these companies.All 3 accounts should be immediately removed from my credit report.
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I had a medical debt collection from ARS in the amount of XXXX on my credit report. This debt was not mine snd on my XXXX XXXX  they told me if I paid it, my credit score would XXXX XXXX up by 21 points. I disputed it and my credit did not go up as they were incorrect posting this charge against me. Im trying to purchase a vehicle and I have 155 on time payments! This is not right!
Consumer complaint received 2021-03-31
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and Equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IT XXXX ) XXXX XXXX US DEPT ED XXXX DEPTEDXXXXXXXX XXXXXXXX  XXXX
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WA)

SYNCB/JCP XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$880.00} {$880.00} -- -- -- REV {$0.00} CHARGE Jcp must have wrong person why posting someone else debt on my credit
Consumer complaint received 2017-09-14
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. (NC)

I have contacted TransUnion several times over the course of 6 to 9 months, via phone, online and mail to have 5 erroneous accounts ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) removed from my credit report. I have disputed this information with Transunion as well as XXXX. The other credit reporting agencies removed these unverified accounts and Transunion has not. I have also requested TransUnion to supply written proof of these so call Debt/Collection records and they have not provided the information requested. Since they refuse to verify these unverified accounts its unfair to me to have these accounts on my report. A Debt should be validated from the source reporting the debt! The other credit bureau has removed these debts because they could not be verified these allege account. Its against my right under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Ppp loan from government. My bank is put a hold on the funds, requested documentation, I have sent the documents 15 days. They still didn't release the hold from funds. And they don't give me time frame how long will the process take. I got this loan from government, now I can't use it. This is so unfair
Consumer complaint received 2019-12-12
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: AMERICAN HONDA FINANCE CORP (OH)

Financed the buyout of a lease with Honda financial and sent payment on XX/XX/XXXX along with the requested POA and Odometer statements to have the title transferred. Those documents were imaged by Honda Financial and sent as opposed to the originals to transfer title. State of Ohio requires original documents. Lender followed up 3 and sent updated POA '' s and Odometer statements. They documents continued to be lost. On the 4th attempt documents were sent on XX/XX/XXXX with a prepaid XXXX label prepaid by Honda financial in which they provided an incorrect address. The documents were received by another one of their departments, signed for, and lost again. Lender has offered to receive title with Honda financial completeing the top half as required and process title transfer locally. Honda financial is saying that their process does not allow for this even in the event of continued lost documents, providing incorrect information, and making material misrepresentations about the situation. Original payoff was received by them on XX/XX/XXXX and as of XX/XX/XXXX they have not transferred title.
Consumer complaint received 2017-07-09
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

With illnesses and family things My family has been experiencing a financial hard ship since beginning of the year. Missed a payment due XX/XX/XXXX that I did pay and make current on XX/XX/XXXX. My family is trying to refinance to pay off debt bills and get us out of this situation I spoke with Carrington in XX/XX/XXXX and they were very helpful explained that I needed to write a letter and fax back they would have it removed the lady was very promising and gave me such relief. So we immediately faxed in the letter they then notified me by mail to fax in a second copy signed which we did as well two days later and now it 's XX/XX/XXXX I 've never heard anything backed so I called them yesterday and they said they never received the 2nd fax. Which we have fax confirmation it was received. Did n't give me any information on what to do next and she was very rude and told me I should ask my husband why the payment was late and if it was his fault. I 've been a homeowner for 9 years and have just this one 30 day past due notation out of 9 years of payments keeping me from being able to move forward with my refinance to be able to fix the financial strain my family is experiencing. I just want them to honor what they told me initially in writing and sending them the letter.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MO)

XXXX/XXXX  MC with a balance of {$2000.00} was settled via phone conversation between XXXX XXXX  XXXX agent and XXXX XXXX  representative on XXXX for {$710.00} lump sum payment to be received by XXXX XXXX  on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by XXXX XXXX on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by XXXX XXXX as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. ERC Collections notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to ERC Collections on XXXX. ERC Collections notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XX/XX/XXXX. No further settlement terms are needed or secure.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Filo Mortgage, L.L.C. (AZ)

Loan costs for townhomes are lower than loan costs for condos. I am writing this complaint because my lender knowingly provided a Loan Estimate based on artificially low townhome loan costs to entice an Intent to Proceed, then increased them to condo loan costs only after I had already paid a non-refundable fee. 

I applied for a cash out refinance loan through XXXX XXXX ( a broker, but hereinafter referred to as " Lender '' for the purposes of disclosures ) for my primary residence, which was a condominium in Arizona. The Lender delivered a Loan Estimate, and based on that Loan Estimate, I gave the Lender an Intent to Proceed. 

After conditional loan approval, the Lender delivered a Closing Disclosure with loan costs that were the same as those in the Loan Estimate. The disclosure of a Condo Certification fee confirmed in my mind that pricing was based on the property being a condominium. But after the appraisal, the Lender delivered a revised Closing Disclosure that increased loan costs by more than {$2000.00} by reversing lender credits and adding points. By this time, I had already paid a non-refundable {$500.00} fee. When I asked why loan costs increased, the Lender admitted to having deliberately disclosed lower townhome loan costs in the Loan Estimate while I was still shopping for a loan, then later increasing to the higher condo loan costs after I had paid a non-refundable fee. I told the Lender I was unaware that the loan costs were based on townhome pricing and could increase, but the Lender still did not reverse the additional costs.

The loan costs disclosed in the Lenders Loan Estimate were not in good faith, and the Lenders conduct was unfair, deceptive, and abusive. I did not know, and had no way of knowing, that the loan costs the Lender disclosed were artificially low and that the Lender would increase those costs. By the time the Lender disclosed the higher costs, I had already paid a substantial non-refundable fee. Moreover, because interest rates had increased in the meantime, starting over with a different lender would have been even more costly. If I had known the Lender would have increased costs, then I would have made a different decision. The Lender was not transparent in the Loan Estimate, and I was deceived. ( I am aware of this happening with at least one other lender, so this might be a regrettable industry practice. )
Consumer complaint received 2019-11-07
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. (LA)

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.