davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My wife and XXXX sons ( ages XXXX & XXXX ) went to XXXX XXXX on XXXX XXXX, 2016. The CapitalOne credit card she was using was hacked on XXXX XXXX, 2016. CapitalOne balanced out the fraudulent charges and closed the credit card account and told us that they will have a replacement card shipped to her, in XXXX XXXX, within XXXX5 business days. I called CapitalOne after 5 days when she did not receive the replacement card and was asked to wait for another day or XXXX. I called CapitalOne again after two days when the card did not arrive and demanded a tracking number and after several minutes on hold, I was told that they had an issue sending the card to the XXXX address, which the rep and I spent nearly 15 minutes to make sure it was correct, and that they took the liberty to send the replacement card to my XXXX home address via USPS and did not have a tracking number available. 
Reluctantly, I waited again for couple more days and never received the replacement card. 
It seems that they do not have any records on file of ever shipping a replacement card to my wife in XXXX XXXX or to me at the XXXX home address at this point in time. 

On XXXX XXXX, I gave up on trying to resolve this issue with the phone reps and decided to take my issue on their corporate XXXX page. I got a response stating that they would relay the message to a group that would call me soon ... which I never got a call back from, but for the interest of being fair, I did ask them not to call me until they had a resolution, meaning, I wanted them to take action to ship me a replacement card as soon as possible. I also sent an email to the CEO ( XXXXXXXXXXXX ) with no response. On XXXX XXXX 2016, with no other options left, I took a chance and sent my wife my CapitalOne credit card with my name on it via XXXX XXXX XXXX mail, hoping that she would not have any problems using it since it did not have her name on it ... and on the same day, I got a call from a rep from CapitalOne who reviewed the issue and took action to send me a replacement card to my home address overnight and the card arrived the next day. I sent the new card to my wife via XXXX XXXX XXXX mail again and she received it today ( XXXX XXXX, 2016 ). The entire process took 28 days and during the process, we were forced to spend what little cash we had while paying for various international bank fees for the transactions with our personal checking account. The vacation was planned for XXXX XXXX to XXXX XXXX, 2016 and nearly half of the time was wasted waiting for the replacement card. I feel that CapitalOne has failed to meet the minimum quality of service and should be liable for their neglect.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (CA)

In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX set up the payment schedule as bi-weekly to coordinate with my paydays. The due date since I entered the contract is the payment to be withdrawn from my checking account the Saturday after my bi-weekly Friday payday. Now, this is the date that the dealership arranged not me. Just recently XXXX XXXX XXXX became XXXX and its been brought to my attention 2 years into this contract that my payment is consecutively late each payment ( twice monthly of $ XXXX monthly on a XXXX pay period month, if there is XXXX pay periods total monthly payment is {$690.00} ) at 19 % interest Im being charged late fees. Now, this was not my error or doing and I would like my account credited from the time of purchase to present being that Im paying extra interest and late fees for their doing. I 've made every payment on time to my contract and if the contract was written to pay late then that 's a serious concern to me since I feel as if theyre ripping me off. I was told my payout for this XXXX XXXX XXXX is still over XXXX. This is an outrage!
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

Citibank has been calling 4 times per day, 7 days per week since before XX/XX/XXXX which is the furthest date back that my phone has recorded the activity. It has actually been much longer than that but the app will only record a certain number of incidents. The number they are using to call is ( XXXX ) XXXX
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation.
Consumer complaint received 2016-12-10
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (TX)

Over a period a six months, my XXXX mother applied for a large loan from BB & T in XXXX. Over that period my mother was asked to pay for an appraisal fee of over {$500.00} and was led to believe that she was in line for the loan. Over a six month period she was, I feel, led on my a young employee at the bank who played to her motherly instincts. While salesmanship is a part of business, my mother spent thousands of dollars on an apartment under false impression it turns out, that the loan was a mere days away. This process cost her thousands of dollars over a six month span. While this is in no way a predatory loan, I feel that my senior citizen was indeed led on by BB & T.
Consumer complaint received 2023-08-15
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. (TX)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (KS)

I need this removed from all 3 collection agencies. I have disputed this several times and they continue to keep this on my report. No one will call or has called me or sent any written documentation as proof. This company is horrible and very unprofessional. They continue to make noted that I can not see on the account. All i can see is that it was reported again. I have no clue as to why they keep reporting it monthly.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Commonwealth Financial Systems, Inc. (TX)

I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NC)

My wife and I submitted paperwork to have an Short Sale/Cash for Keys done. We received a letter dated XXXX XXXX, 2016 from Flagstar stating it was complete. Just this weekend we found out the Property was in Foreclosure Sale and that it closed on XXXX/XXXX/16. This as a shock to us since we have only been getting payment notices since we received the letter in XXXX XXXX indicating the short sale/cash for keys paperwork had been received and further notification would occur before anything happened with the house/property. We have never received any documentation confirming a Foreclosure. Billing statements are all we have received and as recent as the XXXX/XXXX/16 payment. The only reason we were aware of the Foreclosure is a XXXX estimate we received on Friday XXXX/XXXX/16 stating the property was not for sale it was Foreclosed.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

There is a bank name Wells Fargo fraud bank closed my account fraudulently and I lost {$760.00} which every month of the 3rd I receive from the Social Security Administration. I opened this account on XX/XX/XXXX XXXX XXXX and they closed my account on XX/XX/, in one month. I gave my this Wells Fargo account number to Social Security Administration to deposit funds in this Wells Fargo account and they said that on this XX/XX/XXXX, they deposited {$760.00} funds in my this Wells Fargo account but before XX/XX/XXXX XXXX came this fraud Wells Fargo closed my account on XX/XX/2023, and sent notice to me and it takes days to receive a notice and then Social Security Administration can't take changed account number fast in some days and deposits funds in a different account. So on this XX/XX/2023, Social Security Administration tried to deposit funds in my Wells Fargo account but I didn't see any funds in my Wells Fargo account because the account was closed. So I lose this XXXX {$760.00} from Social Security Administration and Social Security Administration can't change any personal bank account immediately they take one month to change that person 's bank account. So if I called Social Security Administration to Change my bank account number then they gon na say that they can change my bank account information next or I think on XX/XX/, until they can deposit funds in my Wells Fargo account but this fraud Wells Fargo bank closed my account and I lose my this month {$760.00} and if I wait till XXXX than I gon na lose a total of {$2200.00}. And I requested this fraud Wells Fargo to reopen my account but they didn't reopen the account. 

And they closed my account because I deposit 2 checks in my account from another bank and that other bank returned those checks because there were not sufficient funds in my account and because those funds came into my account at XXXX when I deposits the check but that other bank returned the check on same day XXXX and on same day XXXX  there are so many funds come in my other bank account but because of another bank my those deposits checks were returned and because of that Wells Fargo closed my account. Every bank charges returned check fees from customer 's accounts but this Wells Fargo bank didn't charge returned check fees from my account they closed my account and committed fraud and they did this because, Wells Fargo breaks federal consumer protection laws that apply to financial products, including auto loans, mortgages, and bank accounts. And Wells Fargo is required to pay more than {$2.00} billion to customers who were harmed, plus a {$1.00} billion fine that goes to the victims relief fund.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

I received a letter in the mail in XXXX of 2023 that stated that my loans were forgiven and that I had over paid by XXXX payments. I called Mohela to confirm this and was told that my loans were forgiven and that I would be getting a check for the overpayment. I then heard nothing and have not received a check. I called multiple times. I have been hung up on XXXX. The XXXX  time in XXXX I spoke with someone who told me that they didn't give refunds anymore. I told her this is from last year and she said that I should receive a check. I don't believe any of it and would just like my money refunded.
Consumer complaint received 2022-09-06
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CT)

My mortgage was purchased by Shellpoint Mortgage Servicing in XXXX XXXX. At that point an " Escrow Analysis '' was done on my property, showing an Escrow Shortage of {$630.00}. The Escrow analysis stated that my payments, once the shortage was paid in full, would be {$1200.00}. Along with our mortgage payment, We sent Shellpoint XXXX separate checks from XXXX XXXX to XXXX XXXX in the amount of {$100.00}, to pay the escrow shortage. The checks were clearly marked in the memo as payment for escrow shortage, further identified on the payment voucher in the line item " extra escrow payment ''. 
Shellpoint did not apply the separate checks to Escrow shortage, instead misappropriating the funds to principal. Shellpoint is now requesting an additional {$400.00}. to " clear up the Escrow shortage '', and currently reporting to the credit bureau that we are 2 months late on our mortgage. 
We have paid our mortgage, and our shortage, and are now being subjected to false credit reporting because of inappropriate accounting practices. I have been denied prime lending rates on XXXX loans because of this false reporting. I am also receiving daily phone calls from the company attempting to collect a " debt '' owed to them. Acting upon advice from legal consul, I have sent Shellpoint a " Qualified Written Request, Billing Error Notice '' to dispute the claims. This letter was sent, Certified Mail through USPS, on XXXX/XXXX/XXXX.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A few months ago ( for the first time ) a tax lien appeared on my credit report from 2012. I immediately disputed it - only to have Transunion update it as " paid. '' I do not dispute that there is a case and docket showing where a lien was filed and then paid. I dispute that the filing ever should have happened. The tax assessors office admittedly did not mail the notice to the correct address - prior to filing the lien. It is my position that because this was the tax assessor 's office error and not mine - it should not be on my credit report. Moreover, Transunion has an obligation to ensure that the information they are reporting is valid. I have requested the investigation notes, persons interviewed and have not received that information yet.I only get general language about how investigations are conducted in general. Transunion has failed to verify this information and are only reviewing that it was filed. I have also reported this to the XXXX ( Case XXXX ) and with CFPB ( XXXX )
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has charged me ridiculous amounts of overdraft fees. The fees are not even the standard of federal law. Because banks are FDIC insured they risk no loss due to this insurance of each consumers account up to XXXX. How is Chase charging these illegal fees and why not make a claim against the insurance instead of taking money from me which banks are barred from doing this because the customers money should not be used.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This month I checked my credit report through XXXX. On each report there was a new item for {$2000.00}. One is listed as XXXX ( TransUnion ) the other as XXXX ( XXXX ) ; both list the original creditor as XXXX. I do not have a XXXX account ; my last XXXX account was closed in XXXX, 2011 ; and had a XXXX balance. I have received no XXXX communications since.
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

With Regards to a debt from XXXX XXXX XXXX ; the rent renewal was short term for the reason of relocation, but since the keys were not turned in the landlord continue to charge monthly rent that totaled {$12000.00} without showing an source of when the place was rented to another renter. No calls has been returned by the landlord and several attempted has been made.
Consumer complaint received 2023-04-03
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. (DE)

I noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I recently lost my job due to the pandemic ; and am still job searching. I received a notice from a company for a remote position. I exchanged messages via email and I received an offer letter, which matched the company info and job description. I was sent a check in the amount of {$4900.00} which I was to deposit and use to purchase work materials and computer software. I researched and found that the company was based in Ohio and thought it made sense for them to hire someone immediately. I deposited the check on XX/XX/2020. Chase restricted my account on XX/XX/2020 as payments for my regular bills were getting returned and I incurred insufficient funds fees of {$34.00}. They are also withheld my dividend disbursement of {$7.00}. 
I have called customer service, countless times only be told that I was to received a check for the funds of my account in 1-2 business days. A  week had gone by and I received no status update. I went into my local branch XX/XX/2020 and they only ask if I have called the fraud department where I am only to leave a VOICE MESSAGE and I have to wait for someone to call me back. I was advised that the person assigned to reviewing/closing my account has not done a thing, let alone respond to messages. I have had two different bank reps leave messages on my behalf and I have also called and left messages myself. It has now been three weeks, my bills are past due, my credit is getting dinged, and I have not received a call from a Chase manager. 
I am currently on the phone, holding to speak with someone this morning and have been on the phone since XXXX XXXX  XX/XX/2020. This is unacceptable from any " Financial Institution. '' How is a simple task of closing my account and issuing my money this difficult? Mind you, the amount from the fraudulent check has been returned from the issuing bank. There is nothing else to review.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.