davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, I tried to access my CapitalOne credit card online and keeps giving me a message on the page " you don't have access to this website '' and nothing is shown in terms of my transaction or information of the account. When I called customer services, they said that they closed my account due to fraudulent which was hurtful to hear since I have been with them for 5+ years with no issues and I use my credit card on daily/weekly basis with no issues. I am afraid that this will impact me and my great credit score that I have. The bank is not able to do anything for me and I don't know what to do. Please advise ASAP!
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

Close to XX/XX/2021 I opened a dispute for a ACH transaction. I received a letter in the mail and is more than 10 days and I havent received temporary credits for the transaction and overdraft fees charged by US Bank. 
I called again and they said that they are going to reopen the dispute, I dont understand why I have to reopen a dispute that was opened before. 
Now I see a transaction for {$360.00} with a name of Forced Post ACH, I dont understand what is this transaction for, I havent provide that information to anyone.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

Hello, I have two cars via Audi Financial Services. all was great untll COVID but currently they just stopped servicing customers and they do not pick the phone. 

All started when my car was robbed and the check book was stolen from my glove apartment. as per the US law I needed to close out my checking account and open a new one. Then I tried to change my autopayment settings in Audi FS application and it never worked correctly.

I changed it two times already - they nevertheless try to charge my old ( closed out ) account, bank returns them request back, they charge me " returned fee '' and I submit on line one time payment manually. 

guess what - they use old bank credentials anyway.. they just do not allow you to change the checking account. 

I tried to call them 4 times without exaggeration - they do not pick the phone. they say " we have unprecedented amount of calls ''. I sent them several messages via message center - they never responded to anything. 

last but not least - there is " payment history '' button on the website and it shows incorrect list. it shoes the requests, not the payments. in my case it shows 2 returned payments as " paid ''. it is a deception.

They keep me in the dark. AUDI FS is the fraud.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (OH)

There are several unauthorized inquiries as a result of identity theft. See additional attachments as requested by Equifax Information Services LLC Supervisor ( XXXX  ). 

PLEASE NOTE : This is my THIRD complaint submitted to Equifax. This complaint has been submitted to Equifax twice before ( dispute # XXXX and # XXXX ). Each time after the full 30 day period, Equifax has refused to remove the unauthorized inquires and requested additional and/or different documentation than time previously requested, This has been extremely frustrating, adding insult to injury after having my identity stolen, and my back-and-forth ordeal with Equifax representatives has been documented in Equifax Case Report # XXXX. 

For this third complaint submission I am including the following changes/updates : ( 1 ) a copy of a paystub to verify my SSN, ( 2 ) additional FTC identity theft reports that show the company names of unauthorized inquires in the INQUIRY section of the FTC identity theft report due to the FTC website only allowing a maximum of three company entries per report and ( 3 ) an updated cover sheet with my name, phone number, address, phone number and concern. All previously submitted documentation ( Driver 's License and Utility Bill ) will also be attached, for a total of SEVEN ATTACHMENTS, and resubmitted as a part of this third and hopefully final Equifax complaint submission.
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

On XX/XX/2020, Continental Credit Control, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX reported a debt collection to the Credit Bureaus that claims I have collection account with XXXX XXXX XXXX XXXX XXXX XXXX for {$140.00}. I contacted XXXX XXXX  XXXX XXXX XXXX XXXX at ( XXXX ) XXXX, and my account is not in collection and does not have an outstanding balance due.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We booked a trip to XXXX with flight and hotel includes. Flights were from the XXXX to the XXXX of XXXX, XXXX XXXX Confirmation # : XXXX. On the XXXX I tried calling to confirm our flights with XXXX and the line was disconnected. I tried emailing them and nothing, after that I called the hotel the flights and it turns out that XXXX has cancelled all the reservations without any notice. Now I don't know how to contact XXXX to get my refund. I looked online regarding this matter and everyone who booked with XXXX is going through the same problem, so I decided to open a claim with my Bank of America because XXXX won't be giving me my money back. Total amount of the trup was {$2800.00}. It was split into mulitple mayments. My bank refunded me {$1700.00} and said the rest i can't do anything about it that i will have to go through a third party. Looking for help to get my payment back to me. Thank you! 
Payments listed below. 

XXXX {$190.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XXXX {$440.00} XXXX {$440.00} XXXX {$440.00}
Consumer complaint received 2020-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

In XXXX, I negotiated a pay-off with Navient regarding a private school loan. The pay-off was in the amount of approximately {$12000.00}, with one payment scheduled in XXXX for {$9000.00} and the other {$3300.00} in XXXX. When the agreement was made, I was in the process of buying a home and the closing date was cancelled. Closing has been delayed and I was advised to not make a large payment of {$9000.00} prior to closing. As a result, I contacted Navient PRIOR to the scheduled payment XXXX XX/XX/XXXX and XX/XX/XXXX of 2020 ) in order to renegotiate. Navient was unwilling to renegotiate the pay-off and informed me that any funds received that is less than the original pay-off amount would go towards the full balance, which was approximately {$33000.00}. On that call, the manager XXXX XXXX XXXX at XXXX ) told me he would contact me on XX/XX/XXXX with an amenable compromise. He never called and therefore, on XX/XX/XXXX, I contacted Navient and spoke to a new agent who read all the notes in my account and agreed to a new payment arrangement towards the full balance ( {$33000.00} ). Navient scheduled a $ XXXX agreement. The previous manager decided to cancel the agreement with no warning or justification. He and his employees called my phone incessantly as well as sent threatening emails and voicemails to renegotiate or warned that it would influence my homebuying process. I responded to an email requesting to cease and desist all contact and they continued to harass me and contact my employer.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

On XX/XX/2020, I received an email from XXXX  XXXX XXXX, XXXX  XXXX  that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the XXXX, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to XXXX  XXXX   about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, XXXX responded to my complaint but it had some inconsistencies with the my statements and dates. XXXX  has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I learned on XX/XX/2021 that a company by the name of XXXXXXXX XXXX XXXXXXXX has placed a collection on my credit reports without proper notification and validation of debt. I have noted this to all the bureaus before and they removed but have re-inserted the debt without notification to me once again.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I always check my account before making a purchase. Wells Fargo has always posted my transactions as pending and subtracts my purchase from my balance and I see how much i have left. As the pending transactions start to post something happens that I end up negative in my account and end up with an overdraft fee. Even though my transactions are pending they show my balance as if it was already taken out and supposedly it all depends on when the merchant puts the transaction through but then why put it as pending and actually subtract it from my balance if they are supposed to wait until it post. This has happened to me about 4 times already and it only seems to happen when I make a lot of purchases in a couple days time one after the other. When I make a lot of purchases they seem to get me with an old transaction from like a week ago telling me that it just posted and that's why I become overdraft. Everytime I make a purchase whether its online or in a store I always look at my account and make sure it went through and it Is at least pending and I see that it was subtracted from my balance and I see what balance I have remaining. I would not spend money that I don't have and if the money wasn't in the account my card would be declined it really just doesn't add up.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CO)

Up until very recently Wells Fargo gave the option to contact them through email from within the account online. 

They no longer have that option and the only recourse they give to contact them electronically is through XXXX and XXXX. 

This creates a huge hardship in resolving account issues in a timely manner for those of us who do not want to put our financial information in the hands of XXXX and XXXX. 

Please have them resume the email option for contacting them. 
The wait time to call them can be excruciatingly long. Their email customer service was very helpful. 

By making it harder for customers to correct problems Wells Fargo will no doubt collect a lot of unnecessary fees.
Consumer complaint received 2020-12-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC (MD)

XXXX XXXX XXXX never billed me for my mortgage payment. XXXX became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
XXXX XXXX XXXX never entered their name in the foreclosure case ( XXXX City Circuit Court case # 24-O-17-002196 ) XXXX never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from XXXX because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After XXXX  investigated, XXXX sold the mortgage servicing to Selene Finance. XXXX gave Selene Finance a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to XXXX and now the fraud continues. 
Selene Finance is returning my mortgage payments because of fraudulent documentation received from XXXX. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX and XXXX Opinion by facts! No matter how simple you state it or how often these companies can not get correct. Time after time disputes rejected but correction data remains. The CFPB says hey is this the same complaint- DUH tells you how worthless they are. Of course its not correct and n one does anything Opinion a rip off of the American tax payer. " We're sorry. You replied to a confirmation-only address that can't accept incoming e-mail. For more customer service options, please access XXXX '' Incompetence or deliberate you decide.
Consumer complaint received 2021-04-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings (CA)

The IQ DATA INTERNATIONAL company collects the debt that I do not owe. The amount keeps increasing without any notice. 
I have disputed to XXXX  to original creditor XXXX Original Date : XX/XX/2019 Current Date : XX/XX/2019 ( From Credit Report )
Consumer complaint received 2020-09-21
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. (NJ)

Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.
Consumer complaint received 2022-02-10
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. (PA)

XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Account # XXXX / Account ID XXXX XXXX XXXX I am disputing the XXXX of 2021, 30 days delinquent mark on my credit report. 
this is an error please remove.
Consumer complaint received 2020-09-01
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}
Consumer complaint received 2021-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-12-02
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. (FL)

To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GMFS, LLC (LA)

GMFS does not have sufficient staff working in their loss mitigation department. Each time I call, I am told that they are having abnormally high call volume and always have to wait over half an hour to speak with anyone in the loss mitigation department. This is endlessly frustrating and a massive burden for GMFS borrowers. They should either hire more employees in the department or stop servicing more loans than they can handle.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

To whom this may concern, This notice of complaint against RoundPoint Mortgage is begin submitted to all regulators of the company.

This complaint is due to the mortgage lender not making tax payments in a timely manner, resulting in late fees and delinquency notices to be sent to me by the tax authority. I reached out to RoundPoint regarding the error and ended up paying the property taxes myself to avoid further legal action. This payment was over {$6000.00} that came from my bank account and should have come from the escrow that Ive been paying into in accordance with my responsibilities. 

I contacted RoundPoint several times beginning in XXXX. They admitted that this was a mistake on their end and that they would reimburse my account for the late fees and payment made, and send a check to me returning the {$6000.00}. It is now XXXX and this payment still has not been made. 

If I didnt make the correct payment that was owed, and continued to not pay for over a month, I would be charged large late fees as a percentage of my payment each day. And yet they have not paid an amount THREE TIMES what I typically would owe for OVER A MONTH and have no consequences for this.

This is unacceptable.

People do not have THOUSANDS OF DOLLARS laying around in excess to pay for the mistakes of mortgage servicers. I do not have thousands of dollars to fund RoundPoint for not doing their job. This money could have been accruing interest via various investment means and is creating further loss and damage to me each day.

These actions are in violation of the Pennsylvania Department of Banking and Securities ( DoBS ) 10 PA.CODE CH. 59 regarding timely escrow payment. 

Please advise corrective action. 

Regards, XXXX
Consumer complaint received 2020-09-01
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}