davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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 locked my Capital One XXXX card. No recurring payments were made with the card during the lock. The card was not used for any purchases or payments during the lock. 
While the card was locked, Capital One charged the annual fee to the account in XX/XX/2022. No notice was given that the card now had a balance. No notice was given that the annual fee was applied to the account. Therefore, I was unaware of the charge. I did not pay off the balance or make any minimum payment. The annual fee then incurred a late payment fee, interest and, ultimately, a derogatory 30-day late payment mark on my credit score. But for the significant drop in my credit score, I would never had known the Capital One card carried a balance.

I contacted Capital One by email and requested a removal of the derogatory credit mark for the late payment of the annual fee. I received a call back from XXXX ( XXXX ), who told me that my request to have the derogatory mark removed was denied. XXXX would not respond to my email or confirm the denial in writing. XXXX refused my request for the audio recording of our call.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HIGHLIGHTS -Identity theft Discovered within the last 2/3 years ; has been ongoing for a decade or maybe longer -Fraudulent accounts opened/operated/closed through the years -identity theft.gov proved *negligent* ( my painstakingly thorough case was erased without any progress made within two weeks or so of the complaint date ) -The reporting agency TransUnion has proved *negligent* and doesnt offer any online help re : my need to remove a fraudulent account off of their online service ; to recover my personal access to their services. 

DETAIL Someone opened a TransUnion account with my personal info ; they also enacted a credit freeze that I can not fix. I can not make an account on TransUnion- my personal info is tied up fraudulently with someone elses username and password ( and account recovery options. ) Consequently, I can not apply for credit lines, loans, insurance, etc. 

I have tried to contact TransUnion online I am very much nonverbal, so I can not comfortably have a call with them. 

I would really appreciate some help with this situation. Thank you.
Consumer complaint received 2023-02-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Hello, we are refinanced the Mortgate with Freedom Mortgate Banker by my Loan Officer/ XXXX XXXX the payment fix 15 years is {$3200.00} monthly, We never missed any payment from XXXX XXXX XXXXXXXX set up 10 day before the due date of the billing but we keep getting phone call from them late payments or some kind incorrectly amount due! We did contacted them to explain but seem like they are not fix that and keep bother a lot to calling my cell, today we received a letter from them to showing past due mortgage again and again, Please help to make them stop that and send me the monthly bill by malling to show exactly what of principle and interest charges of monthly when I never asked them paperless, my account from Freedom Mortgate is XXXX number XXXX, Thanks so much! XXXX XXXX
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX I am a natural person and a consumer, on Monday, XX/XX/2021 I received a call from XXXX at Navy Federal contacting me alledging I owed a debt. I informed XXXX that was a direct violation of the FDCPA 15 USC 1692 ( a ) ( d ) ( e ). She continued to demand that I owed on a car and loan. I questioned her and politely asked her to define loan. I then asked XXXX what did Navy Federal loan me? Was it credit or USD? She did not answer and continued to raise her voice and demand I pay and make payment. I asked her to stop alledging I owed a debt and that her continuance into violating my consumer rights would result in navy federal being fined for violation of my consumer rights. She continue to verbally assault, and emotionally assasinate me as a consumer and caused grave emotion damage. After then placing me on a extended hold a supervisor by the name of XXXX XXXX chimed in to inform me he was the supervisor and that he was in charge of collections and could call at anytime and point about their accounts I asked XXXX if he was aware of the FDCPA and XXXX responded it did not matter, I then informed XXXX he had no right to alledge I owed a debt. I submitted a remittance payment with Navy Federal on XXXX XXXX, 2021 sent certified mail.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Certified Credit Reporting, Inc. (KS)

We applied for pre-approval from XXXX and the lender had said it would be a soft inquiry. This hard inquiry on XX/XX/2021 is unauthorized. The second inquiry on XX/XX/2021 is unknown and not authorized. Please assist. Thank you.
Consumer complaint received 2020-07-24
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. (FL)

I have tried for the past 3-5 months to correct open ongoing issues. The main concern is my credit score. It was at XXXX on its way going up and due to false errors which experian refuses to truly work on, my credit reduced. 

I want to take an adverse reaction, these credit reporter mess with your livelihood and expect later for the consumer to hire companies to fix their errors and clean up their mess. 

My score is questionable due to their errors.
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Chek Cash, Inc. (TX)

I have a loan with this creditor called XXXX XXXX. They are constantly calling my family members and also my employer .i really want it to stop. I am currently working with debt consolidation called XXXX XXXX and they are communicating with them. And I just want them to stop calling my employer and family members.
Consumer complaint received 2018-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Today I was contacted by appointment with XXXX XXXX in an attempt to transfer 401k investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to  move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes.

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I requested a loan from Bank of America to XXXX on XX/XX/XXXX. The XXXX was sent but for unknown reasons the money just sat at XXXX. On XX/XX/XXXX the money was supposedly returned to BAC, me, or other reasons XXXX gave me. I contacted BAC and was told to continue with XXXX to find the money. XXXX finally told me the money went to XXXX and to contact them. XXXX  does not talk to individuals but they said the originating bank had to contact them. As of XXXX I have contacted BAC multiple times. Some conversations were helpful but most were a dead end. Meanwhile I had completed multiple transfers from other banks ; but some one at BAC charged ahead and paid the loan I never got with my other funds. I should have never been in this position. I have never been compensated for the XXXX, there is no communication, and my credit is getting weird. I want my money so I can move on to another bank. It has been 5 months and my patience is gone.
Consumer complaint received 2019-03-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (AZ)

A loan request ( refinance ) was done XX/XX/2019. It was denied. 
Verbally, a representative took the complaint regarding the extra interest. Chase refused to refinance and never addressed that. Chase sent papers for " voluntarily surrendering '' the vehicle. Using Chases secure messaging a request was made asking that Chase " waive the defiency ''. This was also denied. When the vehicle was purchased I was told I could refinance in 6 months. That was not true.There were several misconceptions. 

During this time Chase phoned no less than 8 times, which would have been great had I known it was Chase. The calls were all toll free and I thought they were robotic calls trying to get money. Also, I did not know how to retrieve the voice mail. My wife got them all today Monday XX/XX/2019. When I became ill my wife stopped working to care for my needs. So the extra income we had was gone. A lower interest rate would have really helped during this difficult time. It is emotionally and financially draining. 

Late fees were applied more than I can remember. No matter if the payment was on the XXXX or XXXX day of the month, there was a late charge. That was never addressed. Verbally, Chase said " payment isn't late till the end of the month ''. That wasn't true. This was also a hail damaged vehicle. Because of my XXXX I couldn't see all the damage on the top of the care. 
Below is what I believe has happened with me ; Article by XXXX XXXX " The editorial page of the XXXX XXXX XXXX recently weighed in on an important but underappreciated aspect of the financial crisis : The systematic targeting of communities of XXXX for risky and unfair loans. As the XXXX put it : Pricing discrimination illegally charging minority customers more for loans and other services than similarly qualified XXXX are charged is a longstanding problem? '' After the fact of dealing with Chase, several articles have stated that higher interest rate loans are given because they know you will default because rates are too high to be paid back. Shame on Chase. 
Being an older person I thought I would be treated fairly and without partiality. That isn't true. 
We are doing the best we can under our circumstances. 
Thank you, XXXX XXXX
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Note : I already filled this out but used an incorrect email address. 
On or about XX/XX/19 my coworker and I unknowingly ended up with eachother 's Wells Fargo Debit cards. We believe we picked up eachothers cards after splitting a bill at a restaurant. On XX/XX/19 my coworker tried with withdrawal funds with what he thought was his debit card but the pin didn't work. He went inside the bank, to a teller to withdrawal cash. The teller asked for ID, but didn't look at it and see that the ID and debit card did not match. The teller pulled up my account, revealed my account balances in checking and savings and asked which account he wanted to pull from and proceeded to give him {$200.00} out of my checking account. Coworker then went to a banker to get a new card and then realized that he had my card when the banker asked for ID and realized they didn't match. My coworker told the banker that it was his friends card. The banker let my coworker leave with my card and {$200.00} from my account without any verification that we were in fact " friends. '' My coworker has since revealed to employees of our company including my boss how much money I have in the bank and have called me asking for loans. I am VERY uncomfortable that my coworkers are aware of my finances. This is without a doubt a violation of my financial privacy. The teller and banker were wreakless and careless with my personal financial information. My account showed the {$200.00} withdrawal and credit, those transactions have since disappeared from my on-line account. The {$200.00} was ultimately taken from my coworkers account. If it weren't for the fact that my coworker had my card, not a stranger/thief my account could have been wiped out completely at the hands of a careless Wells Fargo teller. My financial information spread throughout my company within minutes. I don't think it's a joke nor funny at all.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I've been trying to work with a certain mortgage home lender for the past year & for the past year Equifax has been barring access to my credit report. When I call in they tell me that there are freezes nor.fraud alerts on my report but it keeps coming back as frauded. This situation is egregious. Please assist with rectifying this situation.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

This complaint is regarding Synchrony Bank dba Carecredit. I received a line of credit for {$1000.00} for a pet care emergency on or about XX/XX/XXXX. As of XX/XX/XXXX- my credit score has improved, my savings has gone from {$0.00} to {$45000.00} and we were recently approved for a $ XXXX loan. XX/XX/XXXX, out of the blue, Synchrony Bank sent me a notice that my credit card was being terminated due to poor credit history, etc. That makes no sense when my income, credit score and savings are superior to what they were when I received the emergency card. The credit balance was paid off before the end of XXXX. When I spoke with Synchrony, they said the denial wasn't specifically from Carecredit, it was from Synchrony Bank deciding XX/XX/XXXX that I am no longer credit worthy, even though they were paid timely. Compared to the other lenders and creditors I have, Synchrony Bank claiming that I have credit too poor to even keep the credit card that they already issued seems suspicious. I am also concerned that this may negatively impact my credit at a time when we've been improving in order to purchase a home.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of XXXX : XXXX
Consumer complaint received 2021-10-25
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. (TX)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2006 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. The following personal information is incorrect Account Number : Employers : XXXX 7. I never gave written permission for this account to be on my consumer report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681 8. The following account is not mine XXXX Account Number : XXXX This is not mine. 
9. Date last active is inaccurate and the account is not reporting to XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681
Consumer complaint received 2021-10-25
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. (MN)

I am disputing the following non-XX/XX/XXXX Inquiries on my credit report -- -- -- ( XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/tjxDc Inquiry from XX/XX/2021 ) - ( XXXX XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/XXXX Inquiry from XX/XX/2021 ) - ( XXXX Inquiry from XX/XX/2021 ) -- -- Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.
Consumer complaint received 2021-10-25
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. (OR)

So a few things wrong with this Equifax report is they have me as XXXX XXXX on this one thing as shown in pictures but on the account they have my actual name correct, I have tried to dispute this I'm not XXXX XXXX,. 
2. Second thing is I got one of his debts I'm asking for to your help on removing this name from my account, and all the accounts associated with it on my file, thank you. Also I sent a multiple pictures of my ID and everything else yeah so I'm not XXXX XXXX in California
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX  credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business. 
I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank.

I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank.

Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.