davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, charges were made on my Capital One SavorOne World Elite Mastercard credit card account ending in XXXX in the following amounts by a company called XXXX  : {$58.00}, {$190.00}, {$750.00} and {$480.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on another credit card of mine and on my debit card. The company name changed once it processed on the credit card statement to XXXX XXXX XXXX for the {$58.00} charge and XXXX XXXX XXXX XXXX XXXX for the other three charges. 

The morning of XX/XX/2022, XXXX from Capital One Fraud Department telephoned me to inquire if I was aware of these charges. I told her I was not aware and she immediately confirmed she would put a restriction on the credit card to investigate these charges. The case number is : XXXX. 

After complaining by telephone to Capital One 's fraud department that I didn't think they should ask for an image of my social security card as part of the fraud claim, I gave up and on XX/XX/2022, I uploaded images of all the documentation Capital One required, using Capital One 's link they emailed me. I had to send them my Driver 's License, Social Security card, and proof of residency. 

I have telephoned Capital One nearly every week since this fraud occurred and each time the representative asks for the documents again. Each time I remind them I've sent the documents twice already, to which they reply I will hear from them between 7-10 working days. It has been over a month since I asked Capital One to remove these fraudulent charges. Thank you!
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I spoke with Bank of America at XXXX pm XXXX, discussing a XXXX payment that I was supposed to receive in the amount of {$570.00} to apply to a negative balance. This amount would have covered my regular payment to my mortgage company in the amount of {$1400.00}. 
After an extensive and exhaustive conversation with a customer service rep, he determined that there was nothing he could do about the XXXX payment that I did not receive. Though this payment was cleared from my roommate 's bank and had no hold. I explained to the representative and the manager " XXXX '' that I had never had any issues sending or receiving money via XXXX before. I also explained that the XXXX payment was necessary in preventing the return of the mortgage payment. They stated that there was " no promises that could be made from the bank in covering the transaction '' despite the fact that the issue was a bank error. 

I asked kindly from both the CSR and the Supervisor XXXX if they could do anything to assist me with making sure that the payment wasn't rejected while we were waiting for the XXXX payment to post to my account. Instead, they provided me with absolutely no assistance in resolving this time-sensitive and critical issue. 

If there was any time in me considering never recommending this bank, this would be the time. After years of banking with Bank of America, and consistent transactions with them, you would have thought they'd make a greater effort to help a loyal client, and did not. 

I request that I'm contacted by a senior manager to help resolve this issue as I feel that it is negligence by Bank of America to assist a client with an issue outside of their control.
Consumer complaint received 2018-03-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

recently I put in a complaint that asking why XXXX was on my mortgage assignment and ocwens answer was they aquired my loan through XXXX in 2013 as part of XXXX bankruptcy ... but when I showed them different with paperwork they said it was a mistake ... i want to know why XXXX is on my corporate assignment of mortgage??
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I applied for a mortgage refinance on XX/XX/2020 through XXXX and was connected with loanDepot, a mortgage originator. My wife and I spoke with a loanDepot representative that day extensively were approved for a XXXX mortgage at a rate of 2.875 %. ( See attached " loan detail & fee worksheet '' ). Over the next few days, my wife and I assembled the necessary documents as requested by loanDepot and scheduled an appraisal for XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from the XXXX of the loan XXXX we worked with indicating that for unforeseen issues, they would be unable to fund our loan. I vehemently protested and highlighted that my rate was locked until XX/XX/XXXX per the various contracts we signed. The loanDepot representative did not consider my arguments nor honor the opportunity to extend the lock period as I believe most lock contracts make available. 

On XX/XX/XXXX, I received an email from loanDepot stating, " Our team has reviewed your loan application and are unable to offer you funding at this time. '' This message suggested my loan was not approved due to a problem in my credit/personal file which was inconsistent with the message I received from loanDepot up to that point. 

Since this time, other mortgage originators have consistently reached out to me to refinance highlighting attractive rates. However, tracking mortgage rates, it doesn't appear they would be competitive with the 2.875 % offered on XX/XX/XXXX by loanDepot. 

The calculated monthly savings on my mortgage was on the order of $ XXXX and total interest savings near {$100000.00} over 20 years. loanDepot 's actions and unwillingness to fulfill their contracted obligation has had a significant long-term impact on my family 's financial well-being.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

I have asked Suntrust Bank to provide a Letter of Credit in the amount of {$10000.00} in favor of my homeowners association for installing a pool in my backyard. I have spoken with the bank on several occasions, most recently Friday XX/XX/2020 and submitted a written request which is attached. 
Today I am given a Verification of Deposit which is attached. No one at the bank understands what a Letter of Credit is and they can not seem to grasp something as simple as this transaction. The account that I wish to have the letter of credit attached to has in excess of {$70000.00} in it. The Bank 's actions have caused me delays in beginning this project in addition to my frustration at their cavalier attitude towards understanding basic financial terms.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I've request Transunion to remove inaccurate inquiries on my credit report and they have not done so. 

The following inquiries I've request to be removed due to inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (FL)

Contacted them on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. I was thrown around to every department. I reached out to see if there was an option for a settlement before my credit gets damage even further and they wouldn't even take my call and said that I would have to wait until they called me.
Consumer complaint received 2021-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, Wells Fargo,XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. Wells Fargo sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a XXXX XXXX XXXX researcher, case # XXXX. The researcher called me 3 days later and said there is nothing XXXX  XXXX XXXX can do because the check cleared. I told my maid and she called the manager at her Wells Fargo Bank to relay this information. Wells Fargo said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in XXXX XXXX XXXX on XX/XX/XXXX and the Wells Fargo Bank letter saying my check returned unpaid [ bounced ]. My XXXX  account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from XXXX. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}? I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY.
Consumer complaint received 2020-07-22
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. (FL)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

In XXXX XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmerAssist A/R Solutions, Inc. (NC)

XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( Amer Assist ) A/R Solutions Inc. regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX  XXXX notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating XXXX. My previous disputes with the CRAs ( XXXX, XXXX, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information. 

The account has not been validated after request and no XXXX release has been provided to me for any of the medical debt and reporting of dental services. The XXXX privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. XXXX Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of XXXX, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ). 

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, XXXX said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. Cease and desist all communication and collection attempts of collecting an unlawful debt by US mail.
Consumer complaint received 2022-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have 5 separate credit inquiries on my credit report from CAPITAL ONE. I did not authorize these inquiries. they are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

I, XXXX XXXX, entered into a consumer credit transaction with WELLS FARGO AUTO on XX/XX/2021. Not only did the company give me false and deceptive forms, they failed to assure a meaningful disclosure of credit terms. According to the congressional findings of 15 USC 1601, I, the consumer/natural person, am protected against inaccurate and unfair credit billing and credit card practices. Congress also found that there has been a recent trend toward leasing automobiles for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. My contract does not say anything about my right to rescind. On XX/XX/2021, I mailed WELLS FARGO AUTO an Affidavit of Truth, Cease and Desist, and my right of rescission paperwork. By law, the company has 20 days to respond. Today makes the 20th day because they received my certified mail on XX/XX/2021 at XXXX XXXX A gentleman by the name of XXXX called but I had contracted COVID and didnt feel too good when he called. I havent heard from them since. Whenever I try to call them back, a representative says someone will call me back. I just want what is lawfully owed to me. I have security interest that secured ALL obligations, meaning the car was paid for when I signed for it. The Truth in Lending Act informed me of all of this fraudulent activity.
Consumer complaint received 2022-10-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KP ASSET CONSULTING LLC (FL)

Someone had took out a payday loan with my name and social security number and I was not aware. Months later I kept receiving phone calls daily. About 10 phone calls throughout the day and at night trying to scare me into paying money that I do not owe. KP consulting has threatened me with legal action and having someone show up at my home and workplace to have me sign some sort of legal document. I do not know who they are. They have reached out to my mother in law my sister in law my wife and tried calling my mother who lives in a different state. I want the harrassment to stop.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have XXXX credit score with XXXX  and XXXX! With Experian it is ( 8 ) 10 times I have tied to get it right with no results
Consumer complaint received 2021-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (MI)

Started free trial with XXXX, canceled within 7 days and was notified by XXXX that Michigan does not do free trials that the had advertised. Canceled subscription. Then received bill from collectiok agency for over {$200.00} stating subscription fees due but subscription was canceled within 7 day period and never anywhere stated amount due was this much.