davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I filed a claim for unauthorized purchases on my account, all the the same organization. Some of the charges were in the same minute or same day for duplicate amounts. I didn't authorize them and it wasn't me or a family member. I have been fighting this with my bank for almost a year. The total is {$12000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The charges were for XXXX in varying amounts each time. I contacted Wells Fargo several times on the phone. They would keep sending me to different people. I found out in the mail the claim was denied. I called again and had to tell my story over and over again to each person. Then they finally gave me a number to call to see if they could help. I left several message son different days with the person in claims/appeals and never got a phone call back. So, I called back the claims department and they kept telling me that there was nothing else they could do and if I wanted to respond it would have to send an email to XXXX I sent numerous letters to them, I believe XXXX total, and never got any responses back. I have spent hours on the phone with them over the last XXXX months and time wasted sending them letters. No one ever replies. This has caused major conflict in my life and a great deal of distress. We believe that my cards and passwords were compromised. When I spoke to the first employee at Wells Fargo, he explained how that probably happened to me. So, I was very surprised when they denied the claim. They claim to back up their customers and give XXXX XXXX  back on fraudulent activity, yet they denied it. I kept getting the runaround between them and the bank. Please help me finally solve this claim please.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NE)

PNC was contacted on XXXX for a request of 12 month mortgage forbearance and re-amortization. I was told that they only off 3 month payment deferral and then the three payments are due. 

I have been told that mortgage loans need to offer 12 month forbearance with modification agreement and no impact to credit rating. 

I need to learn from CFPB what is required and if PNC needs to offer the 12 month forbearance.
Consumer complaint received 2019-05-09
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. (CO)

Equifax has failed to remove 2 hard inquiries on my credit report. Even though both companies have admitted to Equifax that they were fraudulent. 
XXXX and XXXX have admitted the problem and both have said they have contacted Equifax to no avail.
Consumer complaint received 2017-08-10
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. (GA)

My identity and personal information was stolen in XX/XX/XXXX. For months, I have battled phone calls from creditors and collections for accounts that were not opened by me. I 've had to work with these companies in order to close these fraudulent items. I have also had to file identity theft affidavits and police reports in order to get these things off my report. This has caused a huge amount of emotional turmoil in my life because of the fraudulent information showing up on my report. I am filing this complaint because there is a total of 31 inquiries on my Equifax credit report that I never made nor authorized. The person or people who stole my information have been making credit applications all over the place which has negatively affected my score. I am including a copy of an identity theft police report from the XXXX XXXX Police Department with more details on my identity theft. The following inquiries need to be deleted immediately as it was someone else who stole my identity that was making them : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX - XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

At the time repayment of my loan was expected I was encouraged to do deferment and while waiting on the forms I should place my loan in forbearance. Forms for the deferment never came. I called XXXX times and was given the run around. I also asked about my repayment options and did not receive adquet assistance. I was told I did not qualify for repayment arrangements ( IBR ) but my income is below the poverty level.
Consumer complaint received 2019-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

ref to easy money i have been struggling to pay my bills and tried to go in on XX/XX/2019 XXXX brought XXXX dollars into the store at easy money in XXXX Al tried to make payment arrangements with them to pay XXXX a week until loan of XXXX dollars easy money is refusing my payment attempts easy money wants payment in full and won '' t take payments what i can afford to pay thanks easy money isn't so easy to work with and imformed me that they will be selling the debt off and will not let me work
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I submitted a complaint on XX/XX/2020. COMPLAINT ID XXXX. 
This is an update comaint to provide more important information on documented proof that Capital One acct ending in XXXX purposely is stalling the posting of electronic ACH BILLPAY payment in order to generate late fees I didn't deserve. Regarding they took 8 days to post the last one, charged me {$25.00} late fee when i was within all requirement. See other complaint for info. I made another payment on XX/XX/XXXX. This time it took only 2 days to post. The reason this is important is that my due date is not for 15 days from now so they couldn't stall intentionally to force me another unjustified late payment fee. See attached documents for verification. 
PREVIOUS COMPLAINT INFO : My CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru BILLPAY on XX/XX/XXXX. I have used BILLPAY for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX, XXXX and Transunion are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.
Consumer complaint received 2019-10-31
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. (MO)

XXXX, Experian and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.
Consumer complaint received 2020-05-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

Application to open A 1 year Cd account at BMO Harris Bank online at ad interest rate of 1.65.. Bank ' processing dalay in funding the account from my XXXX XXXX  , to my surprise I received email from BMO Harris Bank stating that initial deposit in my CD account {$100000.00} is complete funding from My XXXX XXXX. Having No further details of the account, I tried unsuccessfuly calling Bank multiple time requesting status of my CD account about rate of interest, maturity date, account number etc. Finally after few days, I got access to my CD account online when I found out the interest rate is so much low is assigned to the account. It is way lower than my XXXX XXXX  rate 1.30 It is unreal for me to move money from Bank patying 1.30 to BMO bank f paying 1,14. I tried to request to reverse money back to where it came from. or adjust rate up. No response.
Consumer complaint received 2019-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I asked Kohls for certain information which they did not provide to me the full " original contract '' I asked for and only sent me statements and a letter telling me that Capital One is the original creditor. I now have sent letter number 3 because they also failed to mark the item " Under Dispute '' within the 30 days are per the FCRA. They have marked late payment and Charge off on every recent months the account was closed and paid further damaging my credit and keeping me from opiating credit. My next step since they received the 3rd dispute letter XX/XX/XXXX is to go to court and seek damaging compensation for defamation ect.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

Please Reference my prior case with this companyCFPB CASE # XXXX A WRITTEN DOCUMENTATION THAT CONFIRM ORIGINAL DATE OF DELINQENCYA woman by the name of XXXX XXXX was working with me previously regarding the above ; she had provided me detailed information as well as her contact information. 
The issue is her contact number is only a voicemail, I have left her a voicemail, but I have not heard back. I also sent her an email. I seem to have had no luck ( only reach a preset voicemail. ) And No email replyOne document that was not provided to me is a statement that provides the ORIGINAL DATE OF DELINQUENCY. 
The original delinquency date is the date the account first became delinquent and was not brought completely current. 
Each of the XXXX credit agencies are reporting this date differently. 
The Fair Credit Reporting Act ( FCRA ) Section - 609 ( a ) ( 1 ) clearly states that a creditor must provide this in writing upon request this Document. 
Please provide this information so that I may update my records. 
I hope to resolve this with you directly before opening a new CFPB Complaint. 
The original delinquency date applies to the first late payment. In which the account was never brought current. 
Thank you
Consumer complaint received 2019-10-31
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. (SC)

On XX/XX/XXXX19 I paid XXXX XXXX {$2000.00}. Which paid the account in full. As of today on Experian the balance is still {$2000.00}. XXXX and XXXX XXXX have it corrected. experian has not.
Consumer complaint received 2019-10-31
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. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain
Consumer complaint received 2023-02-08
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)

This is the 2nd Time that I have complained on the 3 major credit bureaus XXXX, Transunion, and XXXX. I've submitted the inaccurate information that continue to harm my credit score as well as chances of becoming a first time home buyer because the credit bureaus are allowed to ignore the ( FCRA ) and the laws In place to protect the consumers from exactly what's happening right now and according to 15 U.S.C. 1681 et seq.

The nations three largest credit reporting agencies XXXX, XXXX and TransUnion are required by law to do everything in their power to accurately gather and report consumer information. 

XXXX XXXX  -ACCOUNT XXXX  XXXX ACCOUNT TYPE- XXXX ( XXXX ) XXXX XXXX XXXX XXXX  TRASUNION ( OPEN ) ACCOUNT STATUS-XXXX  ( CLOSED ) XXXX ( N/A ) TRANSUNION ( OPEN ) XXXXXXXX XXXX XXXX- ACCOUNT XXXX  XXXX ACCOUNT STATUS-XXXX ( CLOSED ) XXXX ( OPEN ) TRANSUNION ( OPEN ) XXXX XXXX XXXXACCOUNT # XXXX ACCOUNT TYPE- XXXX ( INSTALLMENT ). XXXX ( INTALLMENT ) TRANSUNION ( OPEN ) XXXX XXXX DATE OPENED XXXX ALMOST 3MONTHS OVER ALLOWED LEGAL TIME XXXX ACCOUT XXXX XXXX NO BALANCE NO PAST DUE
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

A credit card application was completed by a bank officer in XX/XX/2017. The application was for a Business Credit Card. The business owner was unable to qualify for this card and asked me to co-sign for a " loan '' ( not a credit card ). I provided my personal information to the bank officer at a meeting with him and the business owner. I assumed this was to check my credit. I was never informed that my information was being used to establish a Business Credit Card with me as Primary Card Holder despite my not being an employee or owner of this company ( which is required to be a Primary Card Holder ). I was not provided any documentation explaining the card agreement, the credit limit or my liability if the business could not pay the card charges.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (TX)

XXXX ( platinum visa card ) basically says that they will charge higher APR on the balances for one month even though the customer is willing to pay it off the day after the promotion ended - which is not the case with other credit card companies. 

This either seems to be clever use of verbiage or deception of customers. 

I have 2 balance transfer offers at 2.99 % until balance is paid off and 2 balance transfer offers at 2.99 % ending with XX/XX/XXXX statement. 

I paid off the amount for the balances on XX/XX/XXXX and XX/XX/XXXX ( 2 payments ) after I got XX/XX/XXXX statement on XX/XX/XXXX -- expecting the 2 balances will be incurring higher APR starting XX/XX/XXXX. 

I see the payments I made were applied to older balances ( 2.99 % until balance is paid off ) as seen in XX/XX/XXXX statement. 

On calling customer service - and taking to the supervisor - I am told that there is a delay of one month for the system to update the APR and hence it applied to older balances -- - basically I had to pay one month APR charges extra to pay off the balances that I intended to pay - which I is not correct/right ; and I have to keep paying higher APR interest on remaining balance. 

If you say the promo ends by XX/XX/XXXX statement ; then allow the customers to pay the remaining balances right away instead of using unclear and deceptive practices to siphon off money.
Consumer complaint received 2020-09-04
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)

Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NC)

had vehicle repaired around late XXXX didn't get my car back till about XX/XX/XXXX. was told they would reimburse me later ... at end of lease called Hyundai asked how much do I owe total ... I paid the amount that I was told paid over the phone .... I brought my car in on that Saturday they said they didn't have anyone to take car for that day could I bring it back that Monday I did that ... then I called about about my reimbursement ... I was informed that it was to late because vehicle was returned ... then I received a call stating I owed money for not buying another car from them ..I explained I was never informed about that ... and I had paid for everything in total and had already turned the car in ... .. I never was late or missed a payment ... they been messing my credit report ever since ...
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion credit customer service refused to release a credit freeze which was placed on the account. The credit freeze has a pin number and when asked to remove the freeze or reset the pin the company refused to send a new pin to the address on record. After answering the security questions correctly, the company argued about the answers they were given. They wanted me to answer questions which were not security questions. They were not multiple choice questions to verify my identity. I was asked to tell them who I have an existing loan with, not a series of answers regarding which is correct. After answering correct, they refused to send a replacement pin or lift the security freeze.