davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX XXXX, I logged into my XXXX account to check my credit score which I do weekly and it reflected that TransUnion had removed XXXX inquiries from my credit report. It ultimately made my credit score go up. Now on XXXX XXXX, I went back to check my credit score because I had paid some credit cards down I knew my credit score would be going up but to my surprise my score had dropped XXXX points because those same XXXX inquires that were once removed were now back on my credit report. I do n't know if it is the error of TransUnion or XXXX XXXX but it made my score drastically go down. I am trying to purchase a home and now this is he derive me from doing so and I 'm just trying to understand why they were removed just to be put back and then affected my score.
Consumer complaint received 2016-10-13
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I XXXX. I have been working on this short sale with Select Portfolio Servicing since XXXX 2016. They keep telling me that a form ( XXXX ) needs to be completed. I sent them the completed XXXX form several times. Today XXXX/XXXX/16 they are saying that the form is old. I have a buyer that is living in a hotel since the XXXX this month that is threatening to cancel. The seller is XXXX military that just wants to sell.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (DE)

I am just now becoming aware of credit and its usage and I have discovered multiple accounts that do not belong to me. I have noticed multiple fraudulent accounts on my credit file, I do not have any record or knowledge of these accounts. I am a victim of identity theft.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

I own a UBER Visa Credit card with Barclays US. I owned the card for over a year and accumulated worth of {$170.00} points/rewards. 
I am having financial difficulties paying down my balance so I requested them to use my points and redeem them toward my credit balance to pay down the balance. They are not willing to do that and they are basically telling me my only option is to redeem my point to Uber app and used Uber services. 
I do not use uber services, I did not know about this policy while I was using the card for my purchases, and I really need my {$170.00} to help me to pay off my credit card balance. 
I have been having long conversations with the credit card company but they are not willing to accept my request. 
My complaint is why a credit card company should be able to force me on how to spend my points? 
Please review and help! 
Thanks, XXXX
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit Reporting Agencies TransUnion is reporting a bankruptcy incorrectly. I have disputed it 3 times and they confimed that they verifed the information through the consumer. So I contacted the consumer which is the XXXX XXXX Clerk of Court and they indicated that they do NOT supply credit bureaus any information nor do they have any procedures for verifying information with the credit bureaus. I have attached a copy of the letter from the Clerk of Court below.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aldous & Associates, PLLC (NY)

I received a phone call from a debt collector claiming to be calling about a debt owed. I let the collector know that I was at work and that it was not a great time to speak. The collector did not ask me when was a better time to talk and continued the conversation. I told the collector that I would like to have everything in writing, and he responded with someone else 's address and that they have sent letters to an address where I do not reside. I told him again that I would like to have everything in writing and it's not a debt I owe. He told me to give him an updated address to which I responded that that is his problem to fix and not the consumers '. He answered that it was my debt, that I will be paying for it and I will tell him a new address for the company to send it. The collector promised me that I will pay this or it would go on my credit report. I told him that I wouldn't be doing any of the sort and to please continue the conversation in writing. The debt collector then hung up on me mid-sentence without an explanation or a callback. I felt very humiliated, angered, and confused after the call. 

The debt was placed on my credit report the next day, and to this day, I still receive phone calls and emails referencing the debt asking when I want to pay the debt BEFORE it's placed on my report. The debt is already placed on my report and this is becoming harassing for something that they have messed up. 
On a later date, I was also told by another XXXX of their debt collectors that the credit file has not been placed on my report yet although I was viewing it on my report as she was speaking.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (PA)

My father passed away  on XX/XX/2024. He had unsecured debt but left no estate assets with which to cover this debt. On XX/XX/2024, I notified the credit card company of his passing. I sent a certified letter with a copy of his death certificate and stated that there was no estate to pay his unsecured debt. I asked them not to contact us any further. Now they are calling, even though I asked them not to.
Consumer complaint received 2020-03-03
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. (IL)

I have accounts on my XXXX  credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to XXXX  numerous times and by law they are supposed to block these accounts within 5 business days. I have been trying for 5 years and i have gotten no where with them. The latest was sent on XX/XX/20 and they still will not block these accounts. The accounts are listed below 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXXt which is now called XXXX XXXX Also i have attached the police report below Transunion  Fraudulent accounts and all of these accounts were previously deleted due to the fraud and are now reporting on my credit again. 
1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX ( there are 2 of these reporting ) XXXX  Credit Bureau 1. XXXX 2. XXXX XXXX XXXX  ( 2 accounts ) All these accounts on all credit bureaus have been disputed numerous times.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (NJ)

I canceled a vechile from mu policy with the insurance company, then they canceled my whole policy and told me it qas for non payment. The collection company has called repeatedly for this debt even though I have explained the situation. I did not receive notice of cancellation and in NJ that means I could loss my license and a fine. I have since gotten insurance with another company and tried repeatedly to get the collection company to stop calling. I have also filed a complaint with the state regarding the insurance company.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had an active open account with capital one bank and they closed the account without any notice or even speaking to me on the phone at the current time and date that I called to request for explanation. ( see attached letter sent to Capital One Bank ). 
According to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. There was NOT any of this on my master card account. 
My purpose of this compliant is how badly as a customer I was treated from capital one bank representatives and they lack to take responsibility for their bad customer service. 

Please see attached documents for details.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My father opened a bank account with Capital One 360 around XX/XX/XXXX to have his VA XXXX checks deposited in. A {$100.00} was sent to Capital One as the original deposit. Capital One has refused to give my father access to the account - I do n't know why. Capital One has refused to put the funds ( {$100.00} ) back into the bank account that the funds came from. My dad had a severe decline in health and I started working with him to get the money XX/XX/XXXX. XX/XX/XXXX I provided Capital One an " Agent / Guardian Instruction form '' at Capital One 's request plus a copy of my Power of Attorney. Capital One has refused to communicate with me after supplying them with the forms they requested. It is despicable how they have treated an honorable XXXX veteran. Now to make issues a bit tougher, my father passed away on XX/XX/XXXX, but I feel Capital One still has an obligation to return my father 's money to his original bank account as there are still some outstanding expenses that need to be paid on his behalf. Capital One has been dishonest and basically stole {$100.00} from my father. I need and hope for your assistance. Thank-You PS I have attached the letters that have been sent to Capital One. The account was in my father 's name, I am his son and working this on his behalf.
Consumer complaint received 2015-10-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

3 years ago my account was in foreclosure. In 2014 I was told to pay {$15000.00}, to bring the account up to date, and I paid the full amount. On my statements there is an unpaid balance of {$2700.00}, initially I was told that it was for legal fees. Wells Fargo have lawyers on retainer in every state, I am not responsible for those fees. I recently received a statement showing an analysis of my mortgage account. The amount of {$2700.00} should have been included in the rears balance in 2014, again I am not responsible for Wells Fargo error. I have been paying my monthly mortgage on time. I am writing to you, to assist with this discrepancy. I tried to refinance and was denied and started receiving notification of this balance. ****please note the property address is not the same as the mailing address. ****
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Trans unions has reported falsely 2 delinquent pays, 1 stating XXXX days late. The account payment was made on XX/XX/year>, returned NSF on XX/XX/year>. The past due payment was made on XX/XX/year> by credit card and was successful bringing the account current within 26 days. Trans union has falsely reported this as XXXX delinquent. I have screenshots and documentation to provide any proof of this and request that action is taken against Trans Union as they are in violation of the Fair Credit Reporting Act. I can be reached via email at XXXX if any further information is needed. Thank you.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I applied for a Capital 1 card in XXXX of 2014. Received XXXX invoicewhich I paid on time every time. Did n't receive an invoice, calledthem & found out my account had been hacked. They gave my cardand info to someone else. {$1300.00} worth of charges. They didcredit me, yet the Fraud Dept was horrible ... ... .this dept needs fixed. 
Man was rude and never called back. I called over XXXX times.
Consumer complaint received 2024-05-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUN LOAN COMPANY INC. (TX)

Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that SUN LOAN COMPANY XXXX XXXXXXXX is misreporting accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, they have a grave responsibility of maintaining the accuracy of that information. The following account SUN LOAN COMPANY # XXXX XXXX is reporting a balance of XXXX when it is my understanding an reason to believe that because this debt was charged off by XXXX XXXX that is was memorialized with a Form 1099C as proof or evidence thereof. And that this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i was recently denied credit and i want to start a dispute online using Transunion website. The site keeps denying me access saying that my URL is incorrect. I tried using multiple computers and it seems Transunion has a block on my account
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America states they do n't have the requested information ; however, Bank of America was the primary and master servicer this of loan from XX/XX/XXXX until XX/XX/XXXX. Bank of America transferred the primary servicing rights to XXXX on XX/XX/XXXX. As the master servicer Bank of America should have the requested documents in it 's possession.
Consumer complaint received 2015-10-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MNE Services, Inc (NC)

I filed a complaint to the XXXX Dept of Justice approximately XXXX years ago against a payday loan company after they continued to draft money from my bank account long after my loan was paid. NC DOJ wrote a letter to this company advising that their loan was illegal in NC and ordered them to stop all contact to me. I also closed that bank account. They are now calling me and my children and family threatening me with coming to my work and saying they have a case against me. Even calling my XXXX daughter at school. I only have the many phone numbers they call from. The main one is listed first. XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (CA)

I previously used the Zelle mobile app for sending and receiving money amongst friends. Only the mobile app can be used, because my bank has not built a direct integration with Zelle on their end. 

One day, I was no longer able to log in to the Zelle mobile app, with no rationale for the error. Upon contacting customer support, I was informed that I was being blocked by an automated security system, and that there was absolutely nothing that could be done to fix or adjust the incorrect decision of this system. I escalated the issue to management and was told that Zelle reserved the unilateral right to decline services to me without notice or explanation, and that no assistance would be provided. 

I find this to be an unacceptable resolution. It is inappropriate for financial services companies to discriminate against consumers on undisclosed grounds disguised as " security ''.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX of XXXX, i was told i was supposed to put a down payment for a XXXX car plus trade in my paid off car ( XXXX ) for an XXXX XXXX  ( previously recked ) because my credit score was low i wasnt sure i could go anywhere else and becuase i was a womanXXXX XXXX XXXX Fradulently told me information that would benefit them more. not only was i sold a XXXX car for XXXX but was charged XXXX in interest. i wasnt aware back then but im well aware now. fraud has no statue limits. i would like a full Refund asap.
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, {$5600.00} was fraudulently taken out of my business account at Bank Of America. The company that was involved in these unauthorized transactions was XXXX XXXX XXXX XXXX. I spoke with Bank of America on XX/XX/XXXX to inform them that I did not authorize these transactions. Bank of America open a fraud claim on XX/XX/XXXX. Several attempts have been made by me to resolve this matter, but the results are never in my favor. I also filed a police report about the fraud claim and forward a copy with a memo of what happen to Bank Of America. It is hard for me to understand how I can be treated in this way, being a customer of Bank Of America for eighteen years.I need to know what I can do to get this matter resolved in my favor and get my fund return to my bank account.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2020 Internal Revenue had put {$1200.00} into my bank account on XX/XX/XXXX American Express Bank close my account due to a transaction that I did not authorize the amount of that transaction is {$39.00} from nat score. On XX/XX/XXXX at XXXX XXXX. in the morning I contact the American Express and told them about the incident from there on I was put on the phone with representative who told me to wait until Friday and they will have a response to whether my account would be unlocked or will will be remain locked it is now XX/XX/2020 and every time I call them I get the same response to give them one to two business days it's going to be almost 2 weeks and still my funds are in the bank and they would not release them to me. I have read online where this have recently happened to someone in California will they shut down her bank account the day after her taxes was put into her bank.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

Account # XXXX I called on XX/XX/XXXX and spoke with XXXX XXXX, I informed him that I had send multiple request to validate this debt as I did not recall it. He reviewed the information that they had on file and noted that the service address was an address that I have never lived at. He closed the account as fraudulent and let me know that the information would be updated with all three credit bureaus immediately. 

I called them this morning XX/XX/2017 to get a status update as the credit bureaus have not received anything stating that the account needs to be deleted. I was told by the agent that this information has not been sent to the credit bureaus. The agent acknowledged that the account was closed as fraudulent but still reporting negatively to my credit bureas.
Consumer complaint received 2015-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

XXXX XXXX Enhanced Recovery Company , LLC is still reporting negative account in all XXXX of the credit reporting agency. I have showed them proof that I have paid my account in full, they have investigated and wrote me a letter of apology and promised to contact all XXXX credit bureau to delete my account. 
I have the email letters from comcast to confirm my account was paid in full.