davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (FL)

My car was repossessed on XX/XX/2024. I made a payment of {$290.00} to bring the account up-to-date since the representative stated that the account would be charged off as of XX/XX/XXXX. On XX/XX/XXXX I paid {$850.00} even. I was told if I made that payment, it would include repo fees and the amount to get my car back from repossession. I was also told the payment needed to be made through XXXX, which I did make that payment. Now I have a balance of {$490.00} that I owe Wilshire Consumer credit/Westlake financial . I spoke with a representative on XX/XX/2024 to go over the {$490.00} balance. The representative proceeded to tell me that the {$90.00} was late fees which they should have requested me to pay back on XX/XX/XXXX in order to get my car back, but they did not. The representative also told me that the {$400.00} was repossession fees which is not what I was told on XX/XX/XXXX when I paid the {$850.00}. Several agents I spoke with between XX/XX/XXXX and XX/XX/XXXX since making the payment of {$850.00} told me that the repo fee was paid and included in the amount I paid. I was told the repossession fees would be included in that amount so I went ahead to make the payment as I was requested by Wilshire. Since the beginning of me contacting these people, I have been lied to time and time again about this loan and the fees included even about the repossession all together. No one has given me a straight answer when I call. My car was even damaged in the process and I know if I call to ask about it they will make up a lie or just not cover it which will cost me {$1500.00} to repair. This company is doing shady business and putting additional fees on people account after they tell the consumer a different answer.
Consumer complaint received 2021-01-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a with CAPITAL ONE AUTO FINANCE customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I Paid {$200.00} for a dumpster rental they took my money and ran away no dumpster was provided!!! The Cash app allowed fraud to happen keeping my money with out providing the service so sad it's fraudulent!! 

Cash app ; is not refunding my money and allows the individual to continue to accept fraudulent payments I reported the fraud to cash app they are doing nothing lots of shady business going on there should be some regulations!!! 

fraud like this needs to stop!!! 

I
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CT)

All my bank accounts and credit unions have been closed due to fraudulent activity/ identity theft, thousands of dollars have been taken from me and since the suspect is using my personal information to obtain goods and services. 
Banks used and in returned have been closed include- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information has been located on the XXXX XXXX ( name, address, social, and other personal info..
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2023, I contacted Cash App support regarding canceled payments that were subsequently charged to my account. A customer service advocate named XXXX canceled the payments, as per Cash App 's policy to prevent fraudulent transactions. However, a few hours later, a significant amount of money was withdrawn from my account, resulting in a negative balance of {$580.00}. Despite requesting information from Cash App regarding the canceled payments, including transaction records, clarification on the reason for cancellation and subsequent charge, evidence of associated fees, and confirmation of actions taken to resolve the issue, the company did not provide any assistance or explanation. 

Cash App advocates have blatantly ignored my concerns, hung up the phone on me, and attempted to pressure me into opening a dispute, despite my discomfort with the process. When I refused to open a dispute, the company refused to further engage in conversation or address my concerns, leaving me feeling disregarded and frustrated. This lack of responsiveness and refusal to address the issue has further eroded my trust in Cash App 's customer service and commitment to resolving customer issues effectively.
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (MD)

NCO Financials continuously calls my cell phone and has also called the home of a relative and told my relative that they needed to speak with me and left a phone number for me to call them at. I have told this company that have no knowledge of the debt they are referring to that they are attempting to collect. The representative referred to me by a former name that I have not used nor have been known by for almost ten years. They asked me questions to confirm my identity, all of which I answered, and then they asked me if I was sure that this debt does not belong to me. I have received another phone call today from NCO but, they hung up on me when I answered. I want this company to stop calling me and my relatives. If they believe that I owe them something or am legally required to pay money that they believe is due to them, they should contact me in writing. At this point, I consider their repeated calls to me and my family as harassment. The number that they called me from today is XXXX. I do not know the numbers that they have previously called me from.
Consumer complaint received 2017-09-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J Northland Group (WI)

I am receiving unwanted calls from XXXX XXXX XXXX about a debt that is over 10 years old. They have been harassing me and threatening me with legal action. They keep calling me fromXXXX the lastest person to call and harass me is XXXX XXXX. http : //www.northlandgroup.com
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Exeter Finance, LLC. (CA)

I have a loan with EXETER FI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and EXETER FI with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (PA)

I put in a hardship withdrawal request with Wells Fargo to withdraw much needed funds, XX/XX/2017 to consolidate debt and pay past due rent owed to my landlord to avoid eviction, to try and refinance my vehicle, and fix my credit issues. The bank was supposed to send me the paperwork with 2 to 3 business days, it took 10 days to receive the paperwork, i filled out all of the paperwork and submitted the necessary documents and I was told it would take 5 to 7 business days to process and receive a check, i called after 2 weeks wondering why i had not received the funds only to find out that it was direct deposited to a closed account at my bank ( XXXX XXXX ) XXXX XXXX is now holding the funds for 15 days pending a good funds approval. with all of the long drawn out processes, my vehicle has now been reposessed with threat of sale at auction, and i am now being threatened with eviction, Neither Wells Fargo or XXXX XXXX will give me exact answers as to when i will receive my money It is now XX/XX/2017 and i still do not have my money.
Consumer complaint received 2019-03-02
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: Experian Information Solutions Inc. (NC)

My experian credit report shows a bankruptcy however I have disputed this item and the credit bureau only sends me a statement saying the item was verified with XXXX County courts the problem is XXXX County counts has provided me a letter stating they did NOT verify any such information and DO NOT verify bankruptcy information the law requires Experian to provide me true and accurate information in regards to their verification process or remove the entry if in fact it can not be verified
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

viewed credit report seen inquires i didn't apply for /these are fraudulent inquires sent letter no response XXXX XXXXXXXX XXXX =Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

Our loan was disbursed to Caliber Home Loans on XXXX XXXX, closing out our service with the company, as we had refinanced with another company. We were expected to receive {$1500.00} left in our escrow 20 business days after the disbursement from the servicer, Caliber Home Loans. This should have been in late XXXX. A month later on XXXX XXXX, we received documentation asserting the loan was paid. We called Caliber Home Loans on XXXX XXXX to notify them that we had not received the balance left in our account. Caliber, assured us that the original check had been sent through the mail. To solve the issue, Caliber put a void notice on the original check and assured us that a second check would be sent in the mail. On XX/XX/XXXX, we sent them a Notice of Error letter, appropriately detailing the lack of disbursement on the escrow. It has been 2 weeks and we not received any type of response for the Notice of Error. I am enclosing the appropriate documents related to the Notice of Error and proof of payment as well as the amounts left in escrow.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
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: Santander Consumer USA Holdings Inc. (CO)

I sent a XXXX Negotiable instrument to Chrysler Capital at their specified address for payoffs at XXXX XXXX XXXX XXXX, TX XXXX, for presentment on XX/XX/XXXX, and gave ten days to accept it for payoff in the amount of {$12000.00}, or return it with an explanation as to why it was not honored. I heard nothing. Not wanting to default on the loan during the ten day period of wait, made another cash payment of {$470.00} on XX/XX/XXXX. On XX/XX/XXXX, sent letter and notice of dishonor and 10 day notice to cure to the same address with no response. Sent a final letter on XX/XX/XXXX to the Legal Department at XXXX. XXXX  XXXX XXXX XXXX, TX XXXX informing them that if they do n't respond,, I will take them to US District Court. To the date of this report filing, have NEVER heard anything from them ... ever.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I paid {$160.00} on XX/XX/XXXX to Synchrony Car Credit and they have not applied this payment to my outstanding balance. On XX/XX/XXXX they sent me a statement stating what proof they need. After sending them a letter from my bank they informed me it could not be in the form of an email ... I must fax this information. I did so again making me and my bank jump through hoops. I called them 7 hours after I faxed the documents they requested and they told me it would take up to 14 days to review. My outstanding balance is {$250.00} due on XX/XX/XXXX, so after they apply my missing payment of {$160.00} my balance would be less than {$90.00}. I fell they are dragging this information so they can collect more interest rate.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: J & B Endeavors, LLC (OH)

I found a link to " XXXX XXXX XXXX '' via an advertisement on XXXX and applied to receive information. However after going through with their consultant that " did n't know where the exclamation point was on the keyboard '' and who also provided contradicting statements I back tracked and made sure to prevent them from having access to any of my accounts. Upon doing so I saw they had changed my contact information without my consent and I was sure to inform my loan holder of the situation so that they could provide a blockage of any third-party organizations. They still continue to contact me and I 've made sure not to converse unless I can gain metadata of our conversations via email.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

For two months now, my debit card continually is denied despite availability of funds in my primary account. Wells Fargo has stated repeatedly that the issue is 'on their side ' and each and every call to customer care ( there have been 7 calls ) I am told they 'refresh the card ' and that the problem is fixed on their end -- except it is not. My card is rejected at point of sale, at ATM, and online. When I ask a business or service to 'please re-run the card ' -- 50 % of the time the transaction will go through. 
Wells Fargo finally sent me a replacement card and stated it would solve the problem -- it did n't. At first Wells Fargo stated that again, on their side, the card was refreshed and that I should n't have any problems. I even drove to an ATM with them on the phone to prove that the card would not work. 
I have filed a complaint with Wells Fargo but nothing get 's done. I have escalated. All they will do is tell me that they are 'doing what they can on their side ' but yet nothing is getting fixed. 
For 2 months now I have difficulty in getting MY money and using my card. Wells Fargo has failed to take my issue seriously or match my sense of urgency.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have a student loan that I took out to go to school in 2002 with XXXX. I was XXXX and my parents did n't think it was a bad decision at the time and I was still a kid. School ended up not being for me and I was stuck with the Loan from XXXX. The interest rate was always terrible in fact its still at 13 %. Its been in deferment or forbearance a bunch of times since then but for the most part I have paid it every month with no sign of the total lowering in all of these years. Thats 15 years of the total never going down with all of the payments I 've made. As I 've gotten older its been a real burden to become financially secure because of this loan. They refuse to help except with these 6 month deals to lower my payments in half but the payments go from {$450.00} to {$250.00} and still do n't really help me because the payments just go towards the interest. They never really want to help me or figure out what the best option is for me. All they care about is making sure I make these high payments with no end in sight. I really need help having this big mistake I made at XXXX forgiven. Please help me.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-10-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Visio Financial Services Inc. (FL)

XXXX XXXX XXXX provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount ( {$68000.00} ) was sent to XXXX XXXX Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to XXXX. At this point i dont know what else to do.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

An agreement was made via phone and letter received that once the acct was resolved, the company will remove the collection from my credit file. My concern and why I am reporting this is because instead of deleting a few days ago, the company updated the balance.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

Upon receiving your correspondence dated XX/XX/2024, I noted the mention of a delinquent credit obligation ( s ) on my credit bureau report as a contributing factor to the denial of my request for credit. While I appreciate the transparency provided regarding the basis for the denial, I seek further clarification on several fronts to ensure that all relevant legal provisions have been adhered to. Under federal law, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), creditors are mandated to adhere to strict guidelines concerning fair lending practices, non-discrimination, and the provision of specific reasons for adverse actions on credit applications. Additionally, regulations such as 15 USC 1691c and 15 USC XXXXXXXX provide further protections to consumers, including the right to be informed of adverse actions based on information obtained from consumer reports. As a consumer residing in Pennsylvania, I am also afforded protections under state law, including the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ). It is imperative that any denial of credit application be in full compliance with both federal and state credit laws.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Debt collector has been calling from restricted number and will not provide information about who they are or why they are calling and become aggressive when I ask for that information. I traced the restricted call to a phone number associated with commenity bank who is attempting to collect payment from me
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

Dear Shellpoint Escalation Dept, NOTICE OF APPEAL/ERROR Attached you will find my Appeal/Error Letter, as well as this being another Notice of Appeal/Error as my financial circumstances has changed dramatically since Shellpoint last reviewed my documents. I am still waited back for responses to me QWR, Notice of Error to XXXX XXXX XXXX XXXX from the FTC Commission who is reviewing my complaint as well as asking for a review of my documents that prove I can qualify for a modification as I have had 4 modifications to date and have made my payments on time with all of them. 

Therefore, I am asking that the XX/XX/2019 sale date be cancelled in order for me to have the time for me and my legal counsel to receive these responses and documents and to be able to respond back as legally due to me.