davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (TN)

Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.
Consumer complaint received 2020-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (MI)

I had an auto debit come out of my account that was closed because of personal reasons and XXXX XXXX  sent the payment the same day out of the new account on XX/XX/2020. TCF Bank say 's they never got the payment and gave me a fee and put a hit to my credit. I sent all documents to TCF to show the payment came out of my new account. Now they are saying that they sent the payment back. I have not been credited back the payment to XXXXXXXX XXXX  account. They are still giving me a late charge and not giving me credit for my payment. I'm trying to do is have my payment credited and remove fees and any hit to my credit. The payment was never late just lost in there system.
Consumer complaint received 2018-12-06
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. (IL)

On XX/XX/XXXX, Transunion verified an account on my consumer credit profile as accurate ( attachment # 1 ). However, the credit reporting agency failed to conduct and complete and thorough investigation and is currently reporting incomplete and inaccurate information on this account. This is evidence by the following : 1. In their investigation results, they list the court as CALIFORNIA FED COURT -XXXX  ( attachment # 1 ).  There is no such court. Additionally, the Legal name of the court must be fully disclosed ; not abbreviated. 
2. Transunion currently reports the court for the same account as " U.S.  Bankruptcy Court '' through XXXX  ( see attachment # 2 ). How can Transunion report two different courts for the same account? 
3. Also indicated in Transunion 's investigation results is a XX/XX/XXXX " Date Updated '' entry ( attachment # 1 ). If this account was verified as accurate in XX/XX/XXXX, the Date Update section should reflect this and have been noted as XX/XX/XXXX. Furthermore, this indicates Transunion never verified this account as alleged. 
4. Transunion 's results of the investigation note " Individual Debt '' in the Responsibility section ( attachment # 1 ). The responsibility for a discharged bankruptcy is {$0.00} ; period. On XXXX  's platform, Transunion does not have ANY value in the " Liability '' section, indicating to lenders am still liable for some or all debts discharged in the petition ( attachment # 2 ). 

Transunion failed to conduct a complete and thorough investigation and is currently reporting inaccurate information to my consumer profile. The FCRA requires credit reporting agencies to report accurate, complete and verifiable information.
Consumer complaint received 2021-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

Today I tried to reach out to customer service for well over an hour and a half.I was connected to two different people, none of which were able to help. Anytime I need to contact my mortgage servicer, I get a runaround and no answers because I'm always sent to the wrong place. I would like to know when/how to remove the PMI.
Consumer complaint received 2020-12-04
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 (MI)

On XXXX, 2020 XXXX XXXX paid me {$500.00} on Venmo , bringing my balance to {$530.00}. Earlier that day I had to delete my checking account linked to the platform with XXXX as it had been compromised. I learned that Venmo froze my account and would not allow me to add my new checking account to transfer the money out of. I sent my drivers license in as the email requested. talked to numerous customer service agents through chat ( phone help in unavailable ) All promising my account would be unfrozen in 7-10 days. We are going on three weeks. I demand that Venmo unfreeze my account, allow me to add my new checking account and allow me to transfer my remaining {$530.00} out of the Venmo account. Thank you
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Eagle Accounts Group, Inc. (OK)

My divorce agreement was through the state of XXXX, there was never a child support order because we had shared custody ( the Custodial parent became nonexistent for 12 years! ) I had never seen nor did I sign the document they have, the order isn't even correct even if I had! Child goes to live with mother who lived in XXXX Unbeknownst that she was moving and I still dont know where nor seen or spoken to my child, I've been paying XXXX Child support and current but XXXX states I'm arrears {$28000.00} from XX/XX/XXXX to XX/XX/XXXX at 12 months that's {$2300.00} a month? I asked if there was a document my my Or a judge 's signature on it with their office the answer was no, Nor have I been to any Judiciary setting in XXXX before a judge! XXXX XXXX stated my child was not in state asst, that it was my obligation to support my child, I informed him that I am and that his information was incorrect, How can a person owe two states for one child? Being up to date and current in the state where ordered to pay and past due with outstanding for nonpayment with another? Still intercepting my tax returns and shows no record, also ruining my credit and crippling my employment with two financial institutions with no investigation and mindset " that I'm a XXXX Dad '', when I owe that State Nothing! What the two states have going is their deal but my end of it is confirmed current? My exwife has claimed my child since birth on her Taxes ( 15 yrs ) and was nonexistent for 12yrs, yes I turned her in to the IRS, but never paid for nothing and was shocked if he got a game for a birthday!
Consumer complaint received 2024-03-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (FL)

This is my second complaint. The first one was XXXX. On XX/XX/year> I opened a case with blackhawk. I have a lot of redemption codes that I got for my work and maybe of them give errors. I sent them the entire list of codes I had and asked them which ones hadn't been redeemed because many times their website gives errors when redeeming. Since then, they have blocked the codes that I know for a fact weren't redeemed yet and have been putting my case on hold every few days. They have over XXXX XXXX of my money. The case number is XXXX. I was promised in complaint XXXX that they would actually give service. They have done the exact opposite. This company needs to be regulated. Its is unfair that they hold my money XXXX like this for almost a month.
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (IL)

My husband and I explained to Ally Financial, our current Auto Finance Company that we were currently having financial issues with both of our vehicles financed through their company due to Covid 19 Pandemic hours being cut at my work and my husband 's work, layoff. Ally Financial refused to listen or cared to work out a rebill or lower our interest rates in hopes of lowering our auto monthly payments for a XXXX XXXX and XXXX XXXX XXXX XXXX. They refused to listen to us. My husband had XXXX  and my job hours were cut. We really need help from Ally to assist in a payment plan to lower our auto payments in order to keep our vehicles, but instead, Ally Financial has refused to offer any Covic programs to help us. No one ask for this Pandemic! Auto and credit card companies should be more sympathetic or at least pretend to care to help individuals like us during this serious crisis.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (PA)

I have a mortgage with Loancare , LLC. In XXXX, XXXX the company updated their payment site. This is the portal where the company accepts payments. When they did this, the company completely stopped recognizing my banks routing number and account number. I called the company at least twice to report this. The companys representatives told me on both occasions that this was a technical issue that would be resolved shortly. I was unable to make my monthly payments in a timely fashion via their portal and instead needed to make them over the phone. 

Now, again, I am still unable to make a payment. The process of calling and making a payment over the phone is cumbersome and has now caused me to make payments in the grace period since XX/XX/year>. 

Can you please have the company fix this The second issue is that the company does not accept debit card payments on their site or over the phone. This is the fastest and easiest way for consumers like me to make payments. 

Can you please ask the company to amend their payments to accept debit card payments?
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Our loan was turned over to PHH two months ago. We made the last two payments online. This month PHH online payment was unavailable to us. We werent allow to make payment by phone either. 

So we finally got a hold of customer services. She told us we are denied due to authorization online forms not sign. We told her what forms. She said you need to complete and sign forms. I reminded we are new with PHH and were never informed by forms. L Representative told us we had to make an extra {$17.00} payment to pay by phone. Our payment was not late. Making the payment by phone was our only choice since online was no longer a choice. No warning notification was provided.

We had to make payment with the extra fee since that was our only choice. If payment was not made today on ( XXXX ) it would be late. 

Company would not waive the {$17.00}. Even though as new clients we were never informed that we had to sign authorization form to make payments online. 

Representatives told us previous payments were accepted as a courtesy. No reminders were sent by mail or email. 

No company should charge a fee when a payment is not late or a new customer is aware their policies.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX we completed the application with Chase Bank and paid the {$500.00} to XXXX   the mortgage process. The mortgage processor did absolutely nothing for over 2 weeks ; we were originally schedule to close on XX/XX/XXXX ; but since Chase did absolutely nothing for 2 weeks they fell behind and we had to extend the closing to XX/XX/XXXX. they just called me today XX/XX/XXXX and told me that they are requiring the oil tank in the house to be inspected. the cost to inspect an oil tank which includes an ultra sound will result in incurring additional cost. We are planning to exchange the oil tank ( from a 1,000 gallon tank current in the house to the standard 275 gallon tank. Appears that they are just stalling since they wasted over 2 weeks by not processing the application timely.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (NE)

XXXX XXXX XXXX is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-03
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. (NE)

XXXX XXXX XXXX is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-23
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. (VA)

XXXX XXXX ( shown as XXXX XXXX ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt - XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to transunion an account in collection status but account was discharged in bankruptcy XX/XX/2019. Account needs to be removed from collections.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CT)

They are four fraudulent inquiries thats done on my XXXX and XXXX and XXXX credit report that I need to be removed immediately!! The four fraudulent inquiries are .ALLY FINANCIAL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX I need these inquiries to be removed IMMEDIATELY
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (TX)

enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments
Consumer complaint received 2024-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My escrow was raised 3 times higher than it was, This caused my payment to double. 

There is a very big mistake My real estate are XXXX My homeowners insurance is XXXX a year at XXXX How am I being escrowed XXXX This is a big mistake at BANK OF AMERICA I need my escrow to be calculated correctly. I have had homeowners insurance the entire time
Consumer complaint received 2024-03-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (CA)

Charged XXXX dollars for paying early the company gave no instructions on how to pay early or to turn off autopay. It seems like a violation of XXXX XXXX XXXX  false and misleading statements. The company will not waive the fee and I could not get the website to stop autopay. It seems like unscrupulous business practices
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

This company is Tower Loan. They are calling me saying they can not get ahold of my relative whom lives at her own residence. This relative has apparently signed a title loan, which I knew nothing about. They have her current residence, phone number, and LOCATION. I have never done business with this company and I have never given anybody permission to call me from this company. The first call was on XX/XX/18 at XXXX XXXX from XXXX. They called my home telephone and did not leave a message. I returned the call and they said they were calling in reference to someone else and they hung up. They called again the next day on XX/XX/18 from XXXX at XXXX XXXX  on my home telephone and did not leave a message. I returned the call and they said they were trying to reach my relative. I responded by stating she has been at her current residence with the same phone number for years. I can not help that she may not answer her phone as she may not always hear it. The caller also stated to me " I wasn't going to ask you for money ''. I stated to her " my relative 's car was at a body shop and had been wrecked and she may be riding the XXXX XXXX XXXX bus for errands and may not be home '' ; however, they already knew that her car was wrecked! Debt collectors can only contact your family to locate the debtor, not to collect money for another 's debt, and theyre only allowed to contact a person once. Debt collectors arent allowed to tell your family about your debt unless youre a minor under age XXXX or the family member cosigned the debt with you. Otherwise, theyre breaking the law. And if the collector already has the debtor 's address and phone number, theyre not allowed to contact your relatives at all. So why am I being called from this loan company?
Consumer complaint received 2020-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank locked me out of my account and threatened to close my account in 10 days. I have a XXXX check to be deposited on XX/XX/XXXX. I can not get access to my account with Chase and they robbed me of {$4700.00}. In one day. Please help me get my money back from these crooks.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I checked my bank account on the morning of XX/XX/XXXX and found I was - {$600.00} dollars. 

These charges had to have happened between XX/XX/XXXX and XX/XX/XXXX XXXX fraudulent charges for places I've never been or heard of. 

1 charge for {$230.00} dollars at a XXXX XXXX 1 more charge for {$230.00} at a XXXX  XXXX Then {$100.00} at a XXXX XXXX XXXX in XXXX, California. 

I live in XXXX, Ohio. 

I called my bank and the said it will take 2 weeks to refund and get a new card. I just got my direct deposit from work and still did not come back from being negative. 

I'm not sure what to do.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

I received correspondence from Wells Fargo on XX/XX/XXXX with the subject of a rate check inquiry for a Wells Fargo personal loan. I was provided a rate check ID number. I have never had nor pursued any business with Wells Fargo. There was no telephone number on letter to coresponde. I XXXX telephone number for business based on address I'm XXXX, AZ. Spoke to multiple individuals and advised that I was somehow a victim of identity theft. I was told it would be escalated to whomever. On XX/XX/XXXX, I received a letter from Wells Fargo, now with a XXXX OR address referencing an account number ending in XXXX. I called the number provided XXXX and spoke to a male rep who advised he needed my social security number to assist me. I asked to speak to manager. I was told one was not available but he could transfer me to the executive office. There a foreign sounding man by the name of XXXX answered but refused to give his last name. I asked for mailing address to coorespond and was refused stating they're are located in the XXXX XXXX. I terminal call.
Consumer complaint received 2020-12-03
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. (TN)

Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.
Consumer complaint received 2021-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One touts extra credits for shopping at certain retailers via links on their website. I purchased a new XXXX from XXXX using one of these links in late XX/XX/2020, expecting to get 10 % back. When I completed the purchase, I was offered an additional 1 % credit by Capital One, which has never happened on any other purchase. As any reasonable person would, I accepted. I've since been waiting for the 10 % credit that was offered. I went to the Capital One website today to read the fine print and apparently my acceptance of the 1 % credit made me ineligible for the 10 % credit. I believe this is extremely misleading on their part. As noted, the only time I've been offered the 1 % credit was when I tried to use their link to get a 10 % credit.