davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

We have been in our home for 12 years. Never did I not want to pay our payments but could not get anyone to take our money. Sounds funny but is true .We have been working with SLS for 2 years on a loan modification that is where I fill that the scam started. To date we still are in our house with no one willing to take our payments just day to day hopping we do not lose our house. No one can give me any answers Why can I not make a payment on my house and been told to do a modification for 2 years? We been told we are to fair behind and with penalties and fees we do not qualify now sounds like a Scam to get our house, .I feel sls never was going to to anything but try and take our house. No one will listen to me yelling about it I need help something is wrong here and it is not right.I can not even get a payoff from them
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I received a Visa Vanilla gift card for XXXX XXXX in the amount of XXXX. I registered it in XXXX on their website so I could use it for a vacation that was coming up. Tried to use it for cabin rental on XX/XX/XXXX and it was rejected. I called the number on the back of the card to find there was only XXXX cents left on the card, and that the charges to this card started in XXXX as soon as it was registered. XX/XX/XXXX XXXX, XXXX XXXX and XXXX, XX/XX/XXXX cents, XXXX and XXXX cents. I filed a complaint with the company on XX/XX/XXXX. I have not received any kind of notification from them at this time. This card has never left my house!! When I checked the reviews on this company and their card they were awful. People are having the same problem that I am. I feel they are fraudulent. I am so upset about this. I don't think I will ever hear back from this company and it is just my loss. They said it could be 45-90 days before a decision could be made, and since it is like a debt card possible nothing will be done.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

I have a care credit credit card to use for my veterinary bills for my dogs. If I spend over {$200.00}, it is promotional balance that has a 6 month same as cash. I carefully calculate what I need to pay and when for the balances to be paid off in time. They cherry pick what they put to the promotional balances and then put the rest to newer stuff. I did not realize they were doing this and was paying interest on an old balance.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Credit Karma (TX)

On XXXX XXXX I was trying to pay my car note and car insurance bill and my card kept declining. I had over enough to cover the charges. I called the customer number for Credit Karma spend account, and was advised that my card account had been locked by the system. The customer service department told me they could not tell me why. The rep told me that they send a help ticket to the tier one team. They also advised me that it usually takes 24 hours to get a answer. I have continued to email, call and speak with supervisors and still have not been given a answer as to why my account is locked. My account has currently been locked for 5 days now. I have not received a call back, email, or mailed notice as to why my account is locked. The number provided to me as the customer service number says they can not give me a answer and the only thing they are allowed to do is make a email request for me. Im reaching out for your assistance because I cant get any answers on why my account is locked and I have not received a resolution to my many complaints to this company.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems Inc st ated that I owe {$1000.00} To  XXXX   XXXX  Apartments. I have been to the apartments which no longer exists and to the courts which no longer have any records of this
Consumer complaint received 2015-04-10
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: WELLS FARGO & COMPANY (MN)

After telling them not to call my work, which is at a restaurant. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (MD)

I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had received an unrequested XXXX XXXX Credit Card earlier this year. That was a red flag for me. I applied for a XXXX XXXX Credit Card today and was denied. I tried to request my annual free credit report today. They denied it and said I had requested the report on XXXX XXXX of this year and I did NOT do so. Someone requested the annual report without my knowledge, opened the XXXX XXXX card without my approval and now I ca n't open a simple XXXX XXXX card.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have XXXX accounts on my transunion credit report that not being reported correctly. THE FIRST ACCOUNT IS XXXX THE ACCOUNT NUMBER XXXX. I HAVE DOCUMENTS TO SHOW WHY I BELIEVE THE INFORMATION IS BEING REPORTED INCORRECTLY. SO LETS START WITH XXXX I AM MISSING TRADELINE OF THIS ACCOUNT ON MY CREDIT REPORT. THIS CAR WAS FINANZE FROM XXXX ON XX/XX/XXXX AND ON TH RATING PART ON MY CREDIT FILE IT DOESNT SHOW THAT DAT ANY MORE BUT ON MY EARLIER CREDIT REPORT IS SHOWS THAT AND I WANT THIS PUT BACK ON AND STAY ON. I HAVE MY INSTALLMENT AGREEMENT THAT SHOWS THAT DATE AS I AM REPORTING. SO I AM DISPUTING THE MISSING TRADELINE ON MY CREDIT REPORT. I AM MISSING THE BALANCE ON MY CREDIT FILE ON MY EARLIER CREDIT FILE IT SHOWS THAT BUT ON THIS IT DOESNT SHOW THAT. I AM MISSING THE HIGH BALANCE COLUMN ON MY CREDIT REPORT IS SHOWING IN BRACKETS ON THE BOTTOM STATING AS HIGH BALANCE OF XXXX FROM XX/XX/XXXX TO XX/XX/XXXX THAT INFOMATION IS BEING REPORTED INCORRECTLY. I WANT THAT REMOVED OFF MY CREDIT FILE AND I WANT THE COLUMN AS SUCH BEFORE THAT SHOW HIGH BALANCE AS XXXX LIKE IT STATES ON MY EARLIER CREDIT REPORT. WHNE YOU LOOK AT THE INSTALLMENT AGREEMENT IT STATES HIGH CREDIT XXXX AT THE START OF THE LOAN FINANZE. ON THIS ACCOUNT I SHOULD HAVE LAST PAYMENT MADE FOR XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PLUS THE TRADELINE AS XX/XX/XXXX IT SHOULD SHOW XXXX FOR RATING PART ON THIS CREDIT FILE. WHEN I GOT FINANZE I WAS INFORMED PAYMENT ARE DUE ON THE 4 DAY OF EACH MONTH AND I WAS INFORMED THEY UPDATED MY CREDIT FILE ON THE 14 DAY OF EACH MONTH AND THEY UPDATE MONTHLY BUT I DONT SEE SOMETIMES THEY UPDATE WHEN THEY FEEL LIKE IT. I WANT THIS ACCOUNT UPDATED CORRECTLY AND I WANT MY DOCUMENTS TO SHOW AS MY DISPUTES. ON MY XXXX XXXX ACOUNT XXXX THIS ACCOUNT NEEDS TO BE UPDATED ON MY DATE OF LAST PAYMENT IS SHOWING AS XX/XX/XXXX. BUT ON MY RATING PART ON THIS ACCOUNT IS SHOWING CORRECTLY FOR XX/XX/XXXX. I WANT DATE OF LAST PAYMENT TO SHOW AS CURRENT MONTH AS MY LAST PAYMENT. I WAS INFORMED FROM XXXX XXXX IT SHOULD BE SHOWING XX/XX/XXXX SINCE THEY REPORTED RECENTLY SO MY LAST PAYMENT DATE SHOULD BE REFLEXING XX/XX/XXXX AS MY DATE OF LAST PAYMENT. I WANT PAYMENT RECEIVED UPDATED,. I WANT THIS COLUMN UPDATED EACH MONTH WHN IT GET UPDATED FROM THE CREDITOR BUT THAT THE ONLY ISSUE I HAVE ON THIS ACCOUNT
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NM)

Hello and good morning I have gone ahead and verified this information was not mine and also have submitted dispute results to XXXX and XXXX but XXXX has not removed the debt although the other agencies were able to verify the debt in fact is not mine
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frontline Asset Strategies, LLC (CO)

I have never received any written correspondence from Frontline Asset Strategies ( FAS ). I only received phone-calls and was never able to verify the amount owed, when the debt was acquired, and what my options were. 

I spoke with XXXX on XX/XX/XXXX and made a payment in full of {$420.00} cents. I have reached out to FAS six times via email requesting the receipt and letter stating that this account is paid in full and closed, but they have not responded.
Consumer complaint received 2021-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. 

CAPITAL ONE Inquiry : XX/XX/XXXX Auto financing CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the XXXX time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (CA)

To Whom it May Concern ; This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, Provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 16811 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (PA)

There is a fraudulent charge on my deceased husbands account. Even though at the time of the charge my husband was not well enough to even sign his own name, the financial institution is insisting this is a legitimate charge. They put me through a lengthy process to become authorized on the account and when I last spoke with the financial institution they told me they could still not help. I have received a letter in response to my last complaint telling me that I needed to call into fraud to report it, but when I did that as instructed they tried to transfer me to the probate department again and then hung up.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is refusing to block fraudulent information on my credit report. I spoke with a representative by the name of XXXX in the Special Handling Department on XXXX/XXXX/2015 and was told that TransUnion had not received my police report and that was why XXXX fraudulent account continued to report in error on my credit report. She indicated that the other fraudulent accounts were blocked because XXXX had received my police report and shared the information to block the items. She indicated that I could send her a copy of the report via fax and she would promptly block it in accordance with Section 605B of the Fair Credit Reporting Act. She also indicated that it was already being investigated, but she would block it with police report. 

I called in today to learn that it would not be blocked and that it is being investigated and that she did receive the police report detailing the fraudulent account, but since it is already being investigated it is nothing she can do. I also sent in a copy of my drivers license with my new address on it and I am being told that she did not receive it with the police report. I have verification that all pages of the fax went through successfully.
Consumer complaint received 2023-03-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had an acct ending in # XXXX with XXXX XXXX XXXX. I submitted a payment to correct an erroneous past due situation which destroyed my credit rating. After having communicated my displeasure with their service and comment that it would take 3 months to get my deposit back I decided to close the account. The response to this closure was another massive hit to my TransUnion Credit score ( XXXX points ). This need to be corrected immediately as it has already cost me dearly on a mortgage application.
Consumer complaint received 2023-03-30
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. (FL)

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. 

XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX has violated my rights. 

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 2016-05-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One has been charging {$8.00} monthly fee without notice. When I opened the account I was told the account was a free checking with a monthly charge. I contact Capital One about the error and I was told " sorry '' but not refunds! I started back working part time and still receive unemployment this is a financial hardship I can not afford.
Consumer complaint received 2022-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (NC)

I completed payments to Self Inc. to boost my credit as it is a credit builder account. I paid XXXX per month for XXXX  months and at the end was to receive a check for XXXX. I made the last payment on XX/XX/XXXX and was told that the check was mailed on XX/XX/XXXX. I was told it would take up to XXXX days to receive. The XXXX day twas on XX/XX/XXXX. I called Self Inc. on XX/XX/XXXX to inquire about the mailing of my check and was told that they would re-issue another check which is to arrive in XXXX. They stated that the original check has been cancelled. I was not given a sufficient answer as to what happened. I am leery about whether I am to receive anything from Self, Inc. I am requesting that CFPB investigate as this practice could occur with others who trusted Self as a credit builder product.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has charged me a {$15.00} fee in connection with an individual ( relative ) wire transferring money into my checking account. Wells Fargo refuses to refund the full wire transfer fee of {$15.00}. My position is that the fee is unfair, inequitable, and that Wells Fargo did not fully and properly advise me of this fee when I opened the account.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Federated Capital Corporation (AZ)

Federated Capital has continuously harassed me for over two years now to collect a debt from a credit card back in XXXX, that I was forced to drop XXXX credit cards when I lost my job at the XXXX in XXXX, then in XXXX XXXX the house I was living in burned down and I was homeless until XXXX of XXXX when I finally got subsidized housing -- - XXXX 

XXXX, AZ XXXX Direct Line : XXXX Help Line : XXXX XXXXXXXXXXXX this organization has sent over five letters to Federated Capital which Federated Capital completely ignored and continues to call me, send me letters, e-mails -- - and now I am getting phone calls from XXXX XXXX attempt to collect on Visa XXXX XXXX XXXX ( XXXX ) XXXX attempting to collect from a VISA back in XXXX for some {$5000.00} approximate debt -- - I am a XXXX Veteran existing entirely on Social Security and now I have developed XXXX and am XXXX for by the VA Hospital doctors here in XXXX Arizona
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I have overdraft protection on my bank account, yet my bank does not honor it. I understand that the bank still charges an overdraft fee, buy are n't they supposed to therefore cover the payment that caused the overdraft? All I want from this service is for it to protect me from being charged twice, once by bank, and second from business check or transaction was made out to. Am I wrong, or is n't this what overdraft protection for?
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX Card services was bought out by Capital One, I was never notified, my payments continued to go to XXXX, Capital One can not locate my payments, I have been charged numerous late fees d/t payments not getting to Capital One, my due date changed as well, Capital One has reported a XXXX late pay on my credit, I have contacted customer service and spoke to managers several times and they will not correct matter in the time frame I need to buy a home, I am being told it may be XXXX days before this is corrected. My statements clearly show my account current until Capital One took over in XXXX 2013. Even though I am being charged late fees, my payments were still made monthly and on time, my due date changed from the XXXX of the month to the XXXX.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We are XX/XX/XXXXXXXX XXXX XXXX veterans and on social security XXXX and are experiencing a hardship and have a servicing complaint against Bank of America regarding the review of my loan for mortgage assistance. I have been denied due to an erroneous reason : unable to verify income is what they are using. My income consists of Military XXXX and Social security XXXX. This is verified with current award letters and 2 months bank statements with the deposits circled. To claim to not be able to verify this is covered under the following : XXXXAIR HOUSING ACT VIOLATION FOR DISCRIMINATING IN THE TERMS AND CONDITIONS OF A MORTGAGE OR LOAN MODIFICATION BASED ON DISABLITY, RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, OR FAMILIAL STATUS. 

They are also claiming that since in XXXX to XXXX of 2017 ( 2 years ago ) I received some self employment income there was a discrepancy and they will not review me no even though I had a change of circumstance over a year ago and I do not have any self employment income at all now and am not claiming it on my mortgage assistance application.