davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

On  XXXX  I revived a letter from c apital one fr om a   XXXX   XXXX   therating me for closing of my account because of my behavior but no where on 'this letter they say they violated my civil rights an d American with disabilities act law.w  ow I 'm in  real shock can you please get me to the president or Vice President of c apital one and tha t 's all I would like to talk to about all these issues.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

1 head u been calling and sending mail to XXXX XXXX they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and XXXX XXXX refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CO)

In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not.
<P/>
I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator.
<P/>
On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs.
<P/>
As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter.
<P/>
Respectfully, XXXX XXXX
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/17 I received XXXX XXXX credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/17 to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX XXXX XXXX Ref ending # XXXX. I contacted XX/XX/17 to report identity theft. I received another letter dated XX/XX/17 to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/17 to report identity theft. XX/XX/17 Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/17 pulled credit report, submitted fraud alerts with all XXXX credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/17 Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I overpaid for my home. JP Morgan failed on my loan refinancing and loan modification. I am working on an assumption and was told to go to the local branch. The local branch stated they do not have a mortgage person in house that can help me at the   XXXX   XXXX   Branch in   XXXX    Texas. I want JP Morgan to reduce my principal balance and/ or not charge me for the next 6 or 12 payments. This is frustrating and upsetting. I want a local person that I can work with in the  XXXX , Texas area.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (SD)

I lost my wallet so I am trying to get everything taken care of new cars and drivers license, Social Security card, etc. somebody mustve found it because they got my XXXX XXXX  card and with Drew {$740.00} off my account Ive talked to them since it happened and Im getting nowhere Ive even talked to him tonight just a few minutes ago Im still sitting at work and got notification on my phone that dont try to withdraw {$200.00} on my bank account this late to it still nothing I asked for a refund because its fraud and I didnt take the money I had to put in there so I can buy tires off-line because I dont use my bank card online And then the money is gone and theyre giving me the runaround telling me its gon na take 45 days blah blah blah I dont have 45 days I didnt withdraw the money I had it there for specific reason somebody hacked it dont figure its not the first time someones hacked XXXX XXXX  and brush me off like nothing Im ready I think I want punitive damage if I had to go to court this is XXXX I took pictures of that Im still at work. What the XXXX do I got ta do I dont have my card theyre disrespectful they hang up on me. They hung up on me like 56 times today, I get nowhere with no help
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I opened a credit card account with Comenity Bank/Wayfair in XX/XX/XXXX. I am experiencing an issue getting a payment applied to my account balance, getting Comenity to acknowledge the payment, and Comenity 's failure to provide access to 24 months of statements as stated on their website. 

My payments are due on the XXXX of each month. On XX/XX/XXXX, a payment for XXXX 's bill was sent to Comenity bank in the amount of {$540.00}. They received it on XX/XX/XXXX. That payment, which was above the minimum payment amount, has not been credited to my balance as of XXXX XX/XX/XXXX. In order to avoid being late, I had to make an additional payment of {$67.00} on XX/XX/XXXX because Comenity Bank failed to credit my first payment. 

I have received conflicting statements from Comenity 's customer service representatives. Some believe it should have posted already while others state " it could take awhile ''. Meanwhile, Comenity bank is benefitting from charging me interest on the higher balance. 

Further, when viewing statements online, Comenity bank states that customers can view up to 24 months of statements online, however, they do not provide customers with the option to view statements prior to XXXX. Comenity bank has not provided access to XXXX statements.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (NC)

I do not owe any debt and I never have. Sequim continues to call me. It says I have a XXXX  balance and they will not remove me from their call list. I spoke with one woman and she told her to take me off the list and she hung up on me. This is ridiculous.
Consumer complaint received 2017-06-08
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. (MA)

We Continue having a credit reporting issue, from all credit agenc y Trans Union,  XXXX ,  XXXX . Reporting that we still have an auto loan from   XXXX   XXXX   XXXX    XXXX    that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (CA)

I XXXX XXXX entered into a consumer credit transaction with One Main Financial on XX/XX/XXXX. A consumer credit transaction which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but One Main Financial took cash. One Main Financial willfully and knowingly failed to Provide/Disclose information required under the provision of 15 use 1601. One Main Financial sent me a letter on XX/XX/XXXX stating the balance due on this alleged debt is {$3700.00} but one main financial is reporting on my consumer report as the account balance being {$3000.00} for the month of XX/XX/XXXX as you can see in the attached exhibits witch is a violation pursuant to 15 usc 1681 ( a ) inaccurate reporting on my consumer report. One Main Financial also Disclosed my nonpublic information with a nonaffiliated third party ( XXXX XXXX XXXX ) witch is a violation under 15 usc 6802
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

On  XXXX   XXXX , I provided a state tax lien release letter to all  XXXX  credit bure aus (  XXXX ,  XXXX  and Experian ) that showed that the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I ha ve sent  two certified letters to each bureau requesting that the information be deleted from my credit r eport. Only  XXXX  bureau-  XXXX   has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (AZ)

We moved in on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on a month to month bases and no contract. We were in the process of buying a home, we left the apartment onXX/XX/XXXX. We then found out that they were trying to charge us with the amount of XXXX dollars for a dirty stove and a few stains on the carpet, yet the apartment we received already obtained old appliances and an old carpet. This charge was sent to collections without any notice a dispute was then claimed upon us in our credit report, we are stating that we do not dispute this account.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through Experian was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning it.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Experian : Its been over 7 years and all my bankruptcy reporting has been removed except for this  XXXX . This lender was also not a part of my bankruptcy and was paid in full.   XXXX  In chapter  XXXX  bankruptcy  XXXX   XXXX ,  XXXX  Derogatory.  XXXX /2011
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I 'm suppose to receive the Frank Dodd XXXX every year XXXX more years. 
This program includes the incentive rewards for borrowers who have received a permanent home loan modification and pay their mortgage on time every month. 
A borrower should receive annual principal reduction payments in the amount of $ XXXX contacted customer service several times and they are useless. Nobody can give me a straight answer. Last year I received the incentive reward with great difficulty, but this year nothing has been received.
Consumer complaint received 2024-01-08
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Block, Inc. (WI)

On XX/XX/2024 me and my son woke up to our account being closed. I have my deposit from work going there every other week. I have reached out to this company asking this what is going on with my account. All they say is terms and conditions. I have not broke any rules or terms and conditions. Also I get paid this week and these people told me they will send the deposit back and then the depositor will have to resend my check that's going to take 2-3 weeks I have bills to pay. This is ridiculous no answer as to why or anything. No terms have been violated no one can give me a straight answer
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (IL)

After 11 months of loss mitigation efforts, a modification was offered, however they only gave me 7 days  ( 5 business days ) to review and come  up with a down payment of  XXXX . We had an appeal sent out today to give us more time, but the down payment they are requiring is to " create an affordable payment '' however, I can not come up with that kind of down payment when they know my hardship was loss of income. I am back to work now and look forward to working with them but a down payment of  XXXX  is counterintuitive and almost impossible.  <P/> Also, I have been in review for several months and the sale date for   XX/XX/XXXX  was never cancelled, so we are citing " dual tracking '' and we are requesting that the foreclosure be placed on  hold while we try to find another, more reasonable solution. They are stating if I do not pay them  XXXX  by tomorrow the sale will still take plac  e on  XXXX 2017.
The lender moved for a foreclosure judgment or conducted a foreclosure sale in violation of Regulation X 1024.41 ( g ) or ( j ), which is a covered error under Regulation X 1024.35 ( b ) ( 10 )
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

This company called my job letting another co-worker know personal information on me and the guy on the phone XXXX was very nasty and rude as well He called stating that I owe this apartments complex when the case went before the judge and was dismissed we were let out of the lease and also there were no plumbing issues that we caused the apartments had issues way before we moved there that 's one of the reason why we moved out we have a paper from the inspectors saying that we were not at fault of the plumbing issues and also the blinds were broken when the stray bullet came in on XX/XX/XXXX and they didnt fix the wall or the window until XX/XX/XXXX we took them to court we also had a inspectors there upon move out and saw the apartment was cleaned we also have court papers signed by the judge saying the case was dismissed. We also have pictures and live videos of how the apartments was left cleaned. We will take this company to court because this I wrong we do not owe this amount after living there with the mold and mildew, leaks, plumbing issues and also my XXXX XXXX XXXX grandson was there when a stray bullet came in and hit my XXXX painting that They never replaced they still trying to hurt us. We have already been through enough. So we will go back to court XXXX XXXX stated that this case is no longer there 's that it belongs to the collection agency. A rude guy called my job would n't let me talk I got written up for personal phone call I called the guy back and he yelled at me was very rude and disrespectful and hung up on me when I was trying to ask a question about the case so Yes we will be taking this back to court only now the collection agency are the one that XXXX XXXX says we have to go after because the collection agency now owes the case. We will be faxing all the information that 's the judge signed at court I also called the court house and they stated that the information on the fees etc that the judge signed off on was the same as mine so we dont know where XXXX came from we had an inspectors there from the city When we moved and we have live videos and pictures XXXX XXXX is only trying to get us back from calling the inspectors code inforcements thats all so please explain these charges and show proof because we have a signed form by an inspectors and the judge signed us out of the lease she dismissed the case and also we have live videos and pictures of how the place was left and also 2 prior tenants can testify with work orders proof of the plumbing issues we also have the work orders from the first week we moved in and had plumbing issues and the paper that we filled out when we moved in stating all the things that e wrong that they never fixed and also 3 neighbors as witness as well
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NJ)

CashApp XXXX needs to drop its banking partner XXXX XXXX XXXX XXXX XXXX  is responsible for handling direct deposits and XXXX  transfers. Unfortunately this bank is doing a bad job on both tasks. I have been collecting payments from NJ State Govt since XX/XX/2023. Every Sunday I certify for my benefits and Monday is primarily when I get paid except for holidays that fall on Mondays. Today I realized that my payment was pending for my benefit amount {$570.00} at XXXX EST. I contacted CashApp Support to find out why this bizarre action took place. They gave me the automated response as usual direct deposits take XXXX  business days. Im perplexed by CashApps abnormal behavior and false advertising regarding Getting paid XXXX days faster. Normally a bank picks up trends when funds consistently are sent to an account. Therefore my funds should always show up EARLY. Please contact the XXXX XXXX XXXX about this mishap and have him address this reoccurring issue.
Consumer complaint received 2017-06-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

In  XX/XX/XXXX  I attempted to refinance my mortgage with  Navy Federal ( th e current lender 4.25 % fixed ). I was first quoted a rate of 3.25 % on a  XX/XX/XXXX , after passing first round of underwriting they changed the rate to 3.25 % plus 5 % ( discount/orig ), they then order an appraisal ( I paid {$650.0 0} ). The  appraisal came in lower so they then raised the rate to 4.25 plus .5 % points.  <P/> After pointing out the stupidity of their offer they reduced the rate to 3.65 % provided I pay {$11000.00}.  <P/> I am a federal bank regulator, banker, and real estate pro . - Navy Federal has  no business lending. They have utilized a " Bait and Switch '' marketing.  <P/> Please investigate this matter.  <P/> I am seeking a repayment of my appraisal fee of {$650.00}.  <P/> Thanks,  XXXX   XXXX
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

I submitted the co-signer release document to release co-signers from my private loa ns. I received two letters o f correspondence stating both of my requests were unable to be granted and my requests were denied. I meet all criteria. I called the customer service line to dispute and find out what steps I should take to provide supporting documents to release my co-signers. I was told there is n't a person, underwriting department, or any other department that I could talk to about how to dispute. I was told to send a letter to dispute to a fax machine and someone may contact me.
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (CA)

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX  - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX Dated XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX