davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

A bank representative opened multiple accounts for me when I started a small business. She opened a business checking, another checking account she stated was to be a " tax '' account and a business credit card. I informed the representative that I would not be making much money the first year so I was n't sure if I needed the " tax '' account but she opened it up for me anyway taking her advise and trusting her. I had under {$300.00} in that " tax '' account as well as the main checking account. Before I knew it, I was being charged {$40.00} " processing fees '' in the accounts. I would speak to the representative that opened the accounts for me about these fees. She would reverse the charges, and said that she would stop these fees. In the end, XXXX about a year later XXXX She was transferred to another bank, the fees continued, she never answered calls from me or other tellers at the bank that were calling for me. Ive closed all my accounts and now my credit card is charging nearly {$200.00} in interest fees every month. I feel as though US Bank must have given incentives to employees for opening accounts and all the fees are making thousands of dollars from their customers. i primarily bank with XXXX XXXX XXXX and I never have these types of issues. They are taking my money and Im in a trap. I will have to borrow money to pay off the account completely before I end up owing thousands more.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Some months ago I began receiving credit cards offers from Capital One. Both my wife and I have permanently opted out of receiving credit card offers so these solicitations stood out. We have no business dealings with Capital One. About two or three months ago I called them to 1. ask them to stop sending the offers, 2. ask them the source of my contact info ( I wanted to know which company sold my contact info without my permission ). Capital One agreed to remove our names from their mailing list but refused to provide the source of our contact information.
A month later my wife got another Capital One credit card offer in the mail and yesterday I got another one. Can they be fined for this? To whom are they accountable for ignoring both the Opt Out and my telephone request?
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Bank of America reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (GA)

I am currently enrolled as a XXXX in a school which is not receiving US Dept. of Education funding. When I applied to have my XXXX loans placed in deferment whil I am in school, all of them were - except for the ones serviced by American Education Services. AES claims that the originators of the loans ( XXXX and XXXX ) are the culprits, however, all of my other undergraduate lenders ( XXXX, US Dept of Education, XXXX XXXX ) had no problem deferring payments while I am XXXX. They ( AES ) cite YOU - CFPB - as their source of information. 

Furthermore, while awaiting a decision on my deferment status from this servicer, my monthly payments have fallen behind ( again, I am a XXXX - and can not have a job while in XXXX of the United States ) and now my parents ( who are XXXX and XXXX years old ) are receiving about XXXX harassing phone calls per day from these lenders - and are TERRIFIED that their home and/or car are going to somehow be placed in judgement and repossessed because of these trivial XXXX student loans.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Royal Pacific Funding Corporation (CA)

I have been XXXX since XXXX of XXXX and filed a forbearance request with my mortgage lender, Royal Pacific Funding. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, Royal Pacific Funding, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly appreciated.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (FL)

Inquiry is fraudulent and should not be reporting on my credit report, if not removed will be open to litigation. as per the fair credit reporting act, it is crucial to ensure accuracy and integrity of this information contained on my credit report. I also request that you provide me with a written confirmation of the investigation outcome to my noted address.
Consumer complaint received 2022-10-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I sold a XXXX solar system to a client for {$32000.00} paid in two separate installments of {$17000.00} and {$15000.00} using XXXX as the purchase intermediary and payment processor. Prior to delivery of the equipment and completely unbeknownst to me ; the buyer requested a credit card chargeback of the {$15000.00} payment and yet still took delivery of the equipment! That is out and out fraud. 

I was never aware of the charge back request at any time until a week AFTER the customer took delivery and signed off as accepting the merchandise in perfect condition. Once I was made aware of the issue by XXXX, I contacted the customer and informed them that I was bringing legal action against him for fraud. He attempted to portray that entire incident as his bank 's fault and " a big misunderstanding. '' He informed me that he had contacted Chase Bank and they were processing the reversal of his charge back request. 

I have been completely shut down in my business due to this incident that is entirely outside of my control. I did exactly as I agreed to do and I delivered the merchandise in perfect condition. I have other cash payments and other customers that have had their purchases halted because XXXX has frozen all of my accounts while waiting for confirmation of the reversal of the credit card chargeback request. I have been told that it could be 2-3 MONTHS before Chase Bank and XXXX process the reversal and allow me access to my own money!!! 

That is not fair, and most likely not even legal and adhering to current banking laws. In the 21st century, when financial institutions can authorize and send money anywhere in the world in a fraction of a second ... they should be able to REVERSE a transaction quite easily. They should not be allowed to freeze a small business owners accounts and put them out of business while they take their sweet time to process the reversal of a charge back request. I am requesting that the federal government get involved to address these arcane, patently unfair and totally outdated financial institution practices.
Consumer complaint received 2017-10-06
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: Experian Information Solutions Inc. (NY)

I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.
Consumer complaint received 2024-03-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (NC)

I have blocked all communication with this debt collector ( their email addresses and phone numbers ). They have now looked up my mother 's information and they keep harassing her via phone calls, even though she has told them not to call her. They keep calling her trying to get her to provide them with my information. Despite being told multiple times, they keep calling her. This " balance '' should be attached to my student loan debt with all of the other ones I have through the same University so there is no reason why this specific debt got sent to a collection agency. I am still in school so all of my loans are currently in deferment.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2017-10-06
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. (NY)

I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NC)

XXXX XXXX, also reporting loans as US Dept of Ed/ XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX  XXXX and USDE that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX/ USDE is partaking in illegal reporting practices.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

i realized on XX/XX/XXXX that a withdrawal of {$10000.00} was made from my account in DT Bank to XXXX XXXX XXXX, so i called the bank to advice that this is not my credit card and this transaction is fraud, they gave me a run around for a few days until i went down to the bank myself and then they say that they are looking in to this no further information available at this time, it's a lot of money and they have the XXXX  account number that this payment was applied to so its no big deal to verify where the money went, i am helpless
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXXXXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX, I was XXXX  and was put on XXXX due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then Covid hit in XXXX of XXXX and I still made payments on time during Covid. 

I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. 

I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. 

Company : XXXX XXXX XXXX/My XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (CA)

Fay Servicing, LLC., confirmed my Loss Mitigation application of XX/XX/XXXX complete on XX/XX/XXXX and the previous years of XXXX up to current dates, for review and options, which may included ; change the terms of loan, lower interest rate, extend term or maturity date of loan, deffering unpaid principal balance to the end of the loan. Broken promises by Fay Servicing and their Investor ; XXXX XXXX XXXX XXXX. XX/XX/XXXX Fay Servicing ( denied ) loss mitigation, during my loss mitigation up to current date, Fay Servicing has posted the Trustee Sale ( s ) on XX/XX/XXXX, XXXX, XX/XX/XXXX and now XX/XX/XXXX and previous years to foreclose on our property while in review of our Loss Mitigation. Fay Servicing and XXXX XXXX are in { Violation } of The California CiviL Code Section { 2924.11 } for " DUAL TRACKING '' while in review of my Loss Mitigation and my Appeal I have filed on XX/XX/XXXX per " Qualified Written Request ''. Fay Servicing and XXXX XXXX track records and patterns of ; deception, misrepresentation, unfair business practice is allowed by ; USA Federal and State Government Agencies whom are to regulate Mortgage Fraud!!! 

Unfortunate, I was forced to file XXXX Bankruptcy and forced to refinance and List my property for For Sale ; to satisfied Fay Servicing and XXXX XXXX over {$260000.00} in ( erroneous-arrears ) {$550000.00} in principal balance a total of {$750000.00}. The previous complete Loss Mitigation ( denials ) during the forbearance plan with no mortgage relief, the { death } of my mother in-law { mortgagor } in XXXX all contribute to our hardships. The only thing Fay Servicing and their Investor, XXXX XXXX are concerned about, are the real properties to foreclose on the hard working class.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (CA)

This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Santander Consumer USA Holdings Inc. (MS)

When I first purchased my car back in XXXX of XXXX, the car a XXXX XXXX XXXX XXXX costed {$14000.00}. I put down {$4000.00} in a down payment on my car which would have brought the total cash payment down too {$10000.00} and my payments were discussed with me prior to signing off on any agreement. My notes were suppose to be {$290.00} every month on the XXXX of each month. In XXXX of XXXX I became current with my payments after I signed off on a agreement to extend my lease which never happened but the company has all of the information on their end to when I made an agreement about that. When I called them this past week on Tuesday XXXX XXXX, I was told my car was in the reposession status and that I owed a total of {$21000.00} on my car and that I signed off on a 21 % interest rate with the dealership WHICH IS COMPLETELY FALSE! I had no idea up until this week about the other receipt that the dealership kept that they did not give to me. I only have a copy of the one they have sent to me via email.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advance America, Cash Advance Centers, Inc. (OH)

I contested the information with XXXX and contested the information with XXXX no documents sent I indicated the account was not mine I did not open up an account in XXXX with Advance America nor did I apply for any loan, I requested information since this account appeared on my credit report, The individuals telling me to contact other parties however the company they submitted my information should be the individuals to remove the erroneous claims.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

{$770.00}, reporting on my XXXX credit report I've requested and have not received anything over the past 120+ days -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b )
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (OH)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX XXXX XXXX added a inquiry on my account for XXXX .I did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this bank