davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (TX)

On XX/XX/2022 I contacted XXXX about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX XXXX  account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.
Consumer complaint received 2022-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Filing an harassment complaint on Zales credit card 's collection company Comenity Bank. For the month of XXXX due to unforeseen circumstances a full payment could not be made. However the goal was to make a partial payment so as not to miss paying each month. However since that time Zales has been calling my repeatedly sometimes multiple times per day.

1. This screenshot shows a payment of {$50.00} was paid on XXXX XX/XX/2022. 

2. However since that time Commenity has called a total of XXXX times in 4 days beginning on the XXXX of XXXX a. XXXX XXXX ( 3 times ) i. XXXX XXXX. XXXX XXXX. XXXX b. XXXX XXXX ( XXXX times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX vii. XXXX XXXX. XXXX ix. XXXX x. XXXX c. XXXX XXXX ( 5 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX d. XXXX XXXX ( 4 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX e. XXXX XXXX ( 6 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX
Consumer complaint received 2022-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

This was a refinance - no equity - lower interest from XXXX to XXXX only- I received call from loan officer XXXX XXXX XXXX XXXXFreedom Mortgage asking me If I wanted to take advantage on refinancing at no cost. XXXX confirmed Freedom Mortgage would absorb the refinancing costs and it would be noted as lender credits in the closing docs Please see enclosed - Closing Docd XXXX bill ( old loan ) Loan Amt {$140000.00} / Escrow Balance {$3600.00} XXXX bill ( new Loan ) Loan Amt {$140000.00} / Escrow Balance {$1000.00} XXXX bill ( new loan ) Loan Amt {$140000.00} / Escrow Balance < $ XXXX Complaint # 1 if it was no cost New loan is {$140000.00} - old loan {$140000.00} - < $ XXXX where was the difference applied. 

They took my previous escrow of {$3600.00} and applied to old loan to lower payoff balance Part of the < $ XXXX is + {$1000.00} noted on XXXX Bill put in new loan escrow as a cushion. I want the adjusted - {$1300.00} applied back to my account or provide where this went? 

Complaint # 2 if you review my closing docs ( under old loan ) they deducted {$4700.00} for State and school tax. If you review my new loan they deducted for state and school tax. The taxes have been taken twice. XXXX escrow bill is negative < $ XXXX. 

I called and they told me it was taken for taxes. I explained it has been taken twice. I want refunded {$4700.00} plus the accrued interest lost during this time effective from closing XX/XX/2021 until they refund the monies to either myself or apply it to my current escrow.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NC)

The company responded with debt validation. However, for the period that Progressive ( the original creditor ) states I owe them for coverage, I was insured by another company since they offered me a better rate. I have attached the declaration page showing my coverage so therefore I do not owe Credit Collection Services nor Progressive any monies, as I was not covered by Progressive. I kindly request that this be removed from all three credit bureau reports.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (MI)

This is similar to the current XXXX XXXX situation, but with a spin, since instead of opening a new account without your consent, in this case the consumer is duped into opening an account. I tried to buy a vacation package from XXXX ; at checkout, I was offered {$50.00} if I applied and was approved for a XXXX XXXX Credit Card, and used it to pay for the vacation package. I applied and was approved. However, XXXX did not let me use it to pay for the vacation package. I had to purchase the package using another credit card, but they still sent me the new credit card. This is a fraud because the consumer is promised a thing of value, {$50.00}, but then there is a 'bait and switch ' so that to complete the transaction, the consumer does n't actually get what was promised.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

As a federally protected consumer, my rights have been violated causing damage to my reputation and well-being through the intrusion of my privacy and inaccurate reporting. Capital One willfully furnished adverse information to the credit bureau, XXXX. In addition, transactions were reported which violate 15 USC 1681a ( A ) ( i ). I never gave XXXX nor Capital One any written or unwritten consent to share any of my information publicly. Also, Capital One furnished information to XXXX as charged off numerous of times on my report. A charge-off is considered income, and income is not allowed to be furnished to a credit report. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Capital One are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-06-01
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 (CA)

On XX/XX/20 I was charged a membership fee of {$59.00} for a Capital One XXXX credit card. XX/XX/20, I contacted Capital One to waive the membership fee. Capital One declined, so I asked to downgrade my card to a version that does not have an membership fee. On XX/XX/XXXX, my card was downgraded and I was shipped out a new card. When I asked about refunding the membership fee since I no longer had the benefits associated with the card, I was told to call back after the statement closed on XX/XX/XXXX. Called on XX/XX/XXXX and requested a refund of the membership fees as instructed on XX/XX/XXXX. XX/XX/XXXX call was escalated to a supervisor and I was told I would receive a call back within 7-10 days. Called again on XX/XX/XXXX to follow-up on the membership refund and was told I can not get a refund or any pro-rated amount refunded despite not having the membership benefits associated with the membership fee. Capital One is refusing to refund a " membership fee '' for associated benefits that I do not have. I did not used their card in XXXX or XXXX, so no benefits were conveyed during the month long dispute of the membership fee. I am entitled to the return of my fraudulently retained membership fees.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A. (OH)

On XX/XX/2023 we tried to cash our Ohio state tax refund check at PNC Bank in XXXX Oh. on XXXX XXXX XXXX XXXX XXXX. We each had our drivers licenses and we have an account with them were told we needed other XXXXXXXX. We refused to give them any other XXXX. We were in the drive through and they had a video teller. 
we called the bank manager and told them the situation and they said they had no way of knowing who we were. I told her I didn't know who I was speaking to on the video camera. She said if I used a live teller there would be no problem. We have used this bank for decades and never had a problem cashing checks until the video teller. For all we know somebody could have hacked that video caller and then they would have all our information. The manager said that's their policy. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ohio
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I reached out to Equifax to request my consumer report AND FILE. Equifax did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.
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: EQUIFAX, INC. (CA)

My credit was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had Bank of America CC. 
I defaulted on the card because of BoA change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX, XXXX, XXXX and XXXX XXXX have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on XXXX XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given XXXX days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been grossly overcharged with monthly late fees unsubstantiated. I opened an account with Kohls Dept. Store in XX/XX/2015. I purchased {$280.00} total! I made payments of {$390.00} overpayed by {$110.00} based on purchases. In addition to the payments including interest, I was overcharged every statement with late fees, unjust. I have been scammed by Kohls in the amount of {$440.00}. I want and demand a refund of the erroneous charges for the past year.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX - Spoke with a Capital One representative re : an XXXX XXXX charge, which had been paid, was in error, and was subsequently waived. Past due fees and interest charges were waived. 

My XXXX - XX/XX/XXXX statement included a charge in the amount of {$260.00} which was paid more than XXXX years ago. I contacted Capital One, and either they don't understand what I'm talking about, or they don't care. 

I cancelled my credit card, and they sent me another card, which will not be activated!
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (NJ)

I am in the process of buying a vehicle at my lease end from Volkswagen Credit. On XX/XX/XXXX, I mailed the package of required documents including a certified check for the purchase via XXXX XXXX. On XX/XX/XXXX, I called to confirm that all was in order and was told that all documents were properly completed and that my check had been received. I was also informed for the first time that processing would be at least 4 additional weeks because of a backlog. This is unreasonable and unacceptable. Volkswagen Credit now has my money and no doubt earning investment income from it. At the very least I should receive some amount representing the interest I did not earn on these funds. What's more, if Volkswagen Credit is more than a month behind in processing, how much is the company holding in customer funds and are they earning money on those funds?
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We submitted the mortgage application with Capital One Home Mortgage, we received the conditional commitment letter, and we also addressed all the conditions specified. After two weeks, the loan was denied, and the only reason from the Bank was " Do Not Offer Term Requested ''. This very irresponsible practice, and why accept my application initially, and why issue a conditional commitment letter? They can not find any fault in my loan application, my credit history and my financial status. I think the bank just want to back out their commitment and not offering me the loan. This is very irresponsible, and no one is willing to return phone calls or email inquiries from both me and my attorney.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is regarding case # XXXX. I have tried to dispute Bank of Americas answer but the system wo n't let me submit my response. 
I have had it with this company! My bank statements clearly show that I have paid my mortgage every month on time! XXXX was paid! We were instructed by our account rep. XXXX XXXX in the XXXX time frame that we were approved for a trial modification and our first payment would be XX/XX/2015. We completed this modification and this did not change my interest rate in any way! A giant waste of time! We were told that our account was now current and in good standing! 
Last week I was denied a refinance at my bank! The mortgage officer showed me a print out of my credit report that showed BOA listed me as delinquent for XXXX, 2015. This was our trial mod. period. This is another demonstration of how BOA holds their customers hostage in such a way that one can never escape and is forced to stay in their high interest mortgages. These tactics are well documented in past court litigations. 
I paid this months mortgage on XXXX XXXX before the grace period due to an out of town commitment, I 'll bet that shows up as late or I get a fee attached. This has been going on for several years now. All attempts to refinance have been delayed, lost documents, switched account reps and a number of other excuses to keep my family anchored to their high interest mortgage and incompetent service! If something is not done I will have no alternative but to obtain a lawyer a file suit. The damage this has done to my family is cruel and unjust!!! 
I want BOA to CLEAR MY CREDIT REPORT AND PROVIDE A DOCUMENT EXPLAINING THIS SO I CAN REFINANCE ELSEWHERE!!!!! Also BOA attached {$1800.00} to my principal saying it was overdue interest. INTEREST ON WHAT? Itemize and explain this fee! overdue interest tells me nothing!!! They have the power to contact me and inform me of any issues, but choose not to. This is how they operate and imprison their customers. 
I WANT OUT NOW!!!! BOA resolve this and let my family go!!!!!
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

In XXXX of 2022, I placed an order from a wine merchant in Florida using my mastercard, a credit card issued by Barclays for the amount of {$320.00}. Merchant used XXXX as the shipper for the wine using a XXXX  tracking number. Before the order arrived, I've contacted the merchant and told them that I will cancel my order. They accepted my decision and approved the return. The merchant contacted XXXX  generating a second tracking number for the wine that was being returned to its origination, XXXX, Florida. The merchandise arrived on XX/XX/2022 by XXXX in XXXX, Florida. The merchant never applied the due credit in the amount of {$320.00}. 

I then disputed the {$320.00} with the bank explaining to them the history of this merchandise. My case never received the attention it needed to properly resolve the issues and Barclays dropped the case saying that they could not resolve my situation with the merchant.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed XXXX XXXX XXXX  Account XXXX with XXXX and Trans Union 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. XXXX and Trans Union should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been removed.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one sent me an approved offer and opened the card but i did not like the car because of the credit limit. I tried to cancel it but their rep told me its a good card to have as it is related XXXX and u will get discounts. I hardly used it. One time i did not get their bill so i called them i found out i was one day late. i was upset as i m never late in payments. so i made the payment and told the rep to close it. what i found was for that one day late payment they reported my account as delinquent.. and since then i m regularly being denied credit. so i looked at my credit report and it was all clean except capital one all paid and closed but one day late. i talked to XXXX and they say it will remain in my file for 7 years. this is radiculous and destrou ying my credit rating and i m not able to get any loan despit a good credit.