davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
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 (HI)

I often times pay this credit card ahead of time and I have never been delinquent. I paid them {$1000.00} ahead of time to cover expenses while I was going to be away from home closing an apartment in XXXX  that I needed while I was receiving medical care but was finished with treatments. The company received my payment but in only 10 days turned around and sent my payment back to me and I thought my bills were paid. I am an elder with no help at all and I knew my time would be very full packing, putting everything in storage and returning to XXXX and believed my bills during the time were covered but Capitol One turned me in for no payment when that was not true! That dropped my credit score a huge  amount and I need my credit restored. I called and changed my address and they said they had my XXXX  address but I never received a bill and my address was never corrected. I am an elder and I am not accustomed to checking my bills online, I do want paper bills since they must be turned in for accounting. I have been a very long term customer but now I DO NOT trust Capitol One, I have been an excellent customer and I am not late on my payments but Capitol One sabotaged me. I need this rectified and I can't afford for them to punish me for paying ahead of time.
Consumer complaint received 2022-09-16
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: CREDIT ACCEPTANCE CORPORATION (MI)

As of XX/XX/2021 Credit Acceptance was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act XXXX   Credit Acceptance Corporation, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

In 2020, my mortgage was transferred from XXXX XXXX XXXX  to BSI Financial Services. During that transfer, both companies failed to pay the second half of my property taxes for 2020. My property tax bill has now incurred over {$700.00} in late fees and I am concerned that my county will issue a tax lien against my property.

I have called BSI Financial Services three times since XX/XX/2020 to rectify this situation. Repeatedly, they told me to email their customer service with the tax bill details and I complied. To date, I have sent a total of four emails to BSI Financial Services and I have never received a confirmation of receipt of my emails or any contact related to them despite the serious tax delinquency. One month ago, they assured me they had all the info they needed and that they would call me once the tax bill was taken care of. My bill remains unpaid and they still continue to avoid contacting me.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (VA)

I had a XXXX XXXX financed with westlake a few years ago. The vehicle was repossessed and ive been trying to reach them in the last month to settle the balance. The company that westlake placed the account with will not return my calls making it impossible to close out the account. I have called multiple times and no luck. See notes below XX/XX/XXXX - XXXX - Westlake Financial - XXXX - XXXX XXXX  has the account - account # XXXX XXXX. They closed at 5. Will call back monday. XX/XX/XXXX - XXXX - account being handled by XXXX XXXX - XXXX extn XXXX - Unavailable. Will try again tomorrow XX/XX/XXXX - XXXX - No answer. XX/XX/XXXX XXXX - left message- waiting on return call. XXXX - XX/XX/XXXX - attys office called back - rep couldnt locate the account. Transferred to the rep that handles westlake. Left a message XX/XX/XXXX XXXX - left a voicemail XX/XX/XXXX XXXX no answer. left a message
Consumer complaint received 2020-11-17
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: WELLS FARGO & COMPANY (ME)

I have credit card with Wells Fargo, and my credit line is {$5000.00}. In XXXX, I received balance transfer offer from Wells Fargo ; the same month XXXX XX/XX/2020 XXXX, I applied for balance transfer in the amount of {$3000.00} plus {$120.00} transfer fee ( total {$3100.00} XXXX. The advertised terms says that " Enjoy a 0 % APR on balance transfers for 15 months ... .by XX/XX/2020 ... After that, your standard APR for purchases and balance transfer will apply ( currently 22.49 % ) ... 4 % balance transfer fee applies to transfers made in pursuant to this offer '' and Payment terms further says that " Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ... Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. 
From XX/XX/2020 to XX/XX/2020 I had a purchase balance of {$2600.00}, and I made payment of {$2600.00}. Also, the minimum payment was {$61.00}. According to the Payment terms, {$61.00} minimum payment should be applied to my balance transfer XXXX $ XXXX {$61.00} XXXX, and XXXX should reduce my purchase balance to {$35.00}. And also, my balance transfer balance should be {$3000.00} XXXX $ XXXX {$61.00} XXXX for me to enjoy the advertised 0 % for 15 months ( the reason I made the transaction ). 
Wells Fargo instead, reduced the balance transfer that is subject to 0 % APR for 15 months with my payments. This contrasts with the advertisement and then begins to charge me interest on my purchase balance. My purchase balance is the one with higher APR and balance transfer has lower APR ( 0 % ). 
I called them to complain about this issue, and they sent some documents repeating the terms as advertised, and I thought they would adjust my account balances to reflect the terms. However, Well Fargo refused to make any adjustments but instead, repeated the same practices, reducing the balance transfer balance to almost {$0.00} and charged me interest again. I called their Research and Remediation Analyst, XXXX XXXX at XXXX. She told me there's nothing she can do about it that Wells Fargo can change its advertised terms any time without notice.
Consumer complaint received 2021-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

Regarding Specialized Loan Services owned by XXXX XXXX XXXX XXXXXXXX XXXX. 
My HELOC was sold to this company XX/XX/XXXX. I was never sent any means to access the funds for this loan. I have been telling this company I need this $ IMMEDIATELY!! 
XX/XX/XXXX I contacted the company to ask for my funds. Spoke to three representatives before I finally spoke w/someone who seemed to know how to fulfill my request. I was told checks would be sent to me " over-nite '' and I should receive by XX/XX/XXXX ( weekend in the way ) ; I was also sent a HELOC WIRE REQUEST form which I followed the directions and resubmitted exactly per instructions XX/XX/XXXX Had not heard anything about my wire request ; called in. Was told there was no record of that form. Resubmitted it AGAIN per the new instructions as well as the old instructions and demanded to speak w/a supervisor. Did not hear back until next day XX/XX/XXXX Called in XXXX. Still no progress. Demanded to speak w/a supervisor. Supervisor called back and said he would get a message to department to expedite. XXXX CST ; that person called back and completed the " security process '' of the wire transfer and said processing immediately. I asked when would I see the funds and was told either today or tomorrow. 
XX/XX/XXXX STILL no evidence of funds and my bank indicates no record of receiving them. Called back to the company and am now being told the wire transfer takes 7-10 business days ... WHAT? Asked where were the checks that I was promised. That representative also told me 7-10 business days. WHAT?? 
Once again, I have asked to speak to a supervisor and have to wait for a call back. 
I emailed the " customer service '' address with a copy of this complaint since I'm at my wits end. 
What recourse do I have for not only not receiving these funds but the " fall-out '' of not being able to use these funds as intended? 
I have names ; dates ; times and identifying i.d.s for each conversation.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

chase bank # XXXX was closed around XX/XX/2023. At the grantor request. However the bank wait a year to charge this account off which lead to a year of late payments and interest charges. I was recently fail into a financial crisis and informed chase about the hardship and didn't receive any resources from the bank.
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (PA)

Coinbase charged my card twice without my authorization. Resulting in insufficient funds, therefore they took my XXXX  and some XXXX  claiming I initiated a buy without enough money in my account, I have tried to resolve this thru customer service portal, with no success, and then filed a complaint, they said they will let me know within 15 business days the results, it went a full 15 business days and they emailed saying they need another 20 business days to look into it, I have heard nothing since and they erased any of the transactions on my account. I Filed a complaint with XXXX, similar response from Coinbase. They dropped {$50.00} in my account for not getting back within 20 business days
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Galaxy Capital Acquisitions, LLC (OH)

I received notification from my employer via USPostal service, that my wages were being garnished beginning XX/XX/XXXX in the amount of 25 % to a debt that I know nothing about. There was a hearing sometime in XX/XX/XXXX, which I never received any type of notification of, and the judgement went to this debt collector whom I have never in my life signed a contract with for any type of services. From what I could tell by what was sent to me by my employer, they received notification from the XXXX County Municipal court to garnish my wages to be paid to Galaxy Portfolios , LLC, c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, which had apparently filed a claim in XX/XX/XXXX, saying that I owed them something like {$7000.00}, which I have no knowledge of this nor have I ever signed a contract with any of these companies. From that judgement in XXXX, they have now filed saying I owe over {$18000.00} for what I have no idea, and have won a garnishment due to falsely sending notifications to an address that I do not have, under a married name that I have not had since XXXX when I got divorced!!!! This is such a violation!!! they are now taking money from my paycheck, that they falsely have obtained through unfair debt collection!! Please HELP!!!!!! During this time of COVID-19, I can not afford to be abused this way!!! I was never contacted regarding the initial judgement 20+ years ago, had no idea of anything about it, until the garnishment came from my employer with copies of the paperwork they were sent. I've never known anything about any of this, had I, I would have had representation and fought for my rights! They did not send the notice of hearing for the garnishment hearing or whatever it was, in XX/XX/XXXX, so I had no way to know to show up! This is how they win by being deceitful! I do not owe them any of this money and they are taking it from my pay!!!
Consumer complaint received 2021-05-02
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. (MO)

A letter was sent to Equifax in XXXX demand a method of verification for a bankruptcy being reported on my credit report. They failed to provide verification with the original creditor the courts to show the bankruptcy on my report was valid. They failed to remove this inaccurate information from my credit report and this is a defamation of my character
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hello! 

On Friday the XXXX I saw that my paypal was hacked and someone fraudulently opened up a debit card without my knowledge. I reported the unauthorized transaction and paypal refunded the scammer and not me although they said it was a fraud transaction. This leaves my account in the negative XXXX dollars I am XXXX and on a fixed income so paying this back is very difficult. I found out a few hours later they have banned me from paypal for life and will not respond to any of my messages. I do not want this out standing balance to ruin my credit. Please help as I am very stressed out and should not be held responsible for this hacking. Paypal ruled I my favor that the transaction was fraudulent but returned the money to them and not me. They are now saying I owe the XXXX dollars and my paypal account is permanently banned and my credit will be ruined as a result.
Consumer complaint received 2021-05-02
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. (LA)

I have attempted to have XXXX remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.
Consumer complaint received 2021-01-27
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: I.C. System, Inc. (NY)

On XX/XX/2020, I C SYSTEM INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C SYSTEM INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-27
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: Premium Credit Bureau (NC)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. PREMIUM CREDIT BUREAU Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received a fraudulent cashiers check and the bank processed the amount of {$8900.00} after I deposited it in the Wells Fargo XXXX on XX/XX/2021. It went into my account and i was asked to pay {$3800.00} for fees by the scammer. I did so on XX/XX/2021. Later that evening the bank took the {$8900.00} out of my account flagging it as not legitimate and needed until XX/XX/2021 to verify. However by then, the payment i sent out subtracted causing my account to be out into the negative by thousands of dollars. I contacted the bank and all they told me was to file a police report and there was nothing to do to stop the transfer i sent out or cancel anything else.
Consumer complaint received 2021-01-27
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: WELLS FARGO & COMPANY (TN)

The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I have been having problems with Flagstar Bank promptly crediting my mortgage payments since XX/XX/XXXX. Flagstar Bank has been servicing my loan since XX/XX/XXXX. I use XXXX  XXXX XXXX Bill Pay to make my mortgage payments each month. 

I suspect that Flagstar Bank has recently adopted polices which create situations where customers incur late fees, namely ; 1 ) Flagstar does not accept ACH mortgage payments from other banks, 2 ) Flagstar is deliberately slow in processing payments by US mail, 3 ) Flagstar actively markets its MyLoan servce ( when your payments have incurred late fees ), 4 ) Then Flagstar acts like they are doing you a favor ( when you ask to have the late fee reversed ; which they caused by not accepting ACH payments and/or are slow processing US mail payments ).

5 ) Flagstar staff often blame the US mail for not receving the payments on time.

My bank records show my mortgage payments were sent to Flagstar on the following dates : XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XXXX ( all is well ) *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( late fee accessed & reversed - Oh XXXX Flagstar! ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( just in time to trigger a late fee after the XXXX - late fee accessed & reversed ; Flagstar did not credit for 7 days ), XX/XX/XXXX Flagstar MyLoan debited my account on XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XX/XX/XXXX ; ( Flagstar did not credit for 6 days ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar did not credit until XX/XX/XXXX ; ( Flagstar did not Credit for 6 days ) btw - just in time to trigger another late fee BUT I also made a MyLoan payment on XX/XX/XXXX. 
*XX/XX/XXXX Flagstar debited my account on XX/XX/XXXX - BUT NOW all of a sudden Flagstar credits on XX/XX/XXXX! 

I guess I should be happy that Flagstar credits my payments a day early if I use their service. I guess Flagstar can afford it if they don't promptly credit on other bank Bill Pay/US mail payments 6-7 extra days!
Consumer complaint received 2022-09-16
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. (NC)

So I talked to several reps at XXXX, Transunion, XXXX Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/XXXX I was getting help registering a tv and the man locked my phone and sweeped my accounts, he transferred money to his XXXX resulting into {$1300.00} .I contacted Navy Federal and when I made the claim they denied it saying by letting the gentleman fix my tv I gave him full permission to sweep my account and they would not fix it .I tried to contact someone above because I did not accept these charges, my phone was locked and they breached into my banking info and sweeped my account.
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (CA)

XXXX XXXX had reported a frivolous collection on my credit report, that had frivolous charges associated with it for which I was about to file the attached lawsuit against them for. 
XXXX XXXX agreed to remove the account following notice of legal action, ( see attached letter of deletion from XXXX XXXX However now United Collection now is reporting the account. 
I am hereby serving notice to United that I am disputing this debt and I refuse to pay it and I will proceed with filing a suit in the even United continues its collection endeavors and reports this account on my credit report