davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital One Branded Credit Card and received a form letter in the mail advising me that they have reduced my credit limit for no other reason than I am not utilizing all of my available credit. I contacted Capital One and was advised that the decision is final and was treated with a snarky have a nice day at the end. Call lasted all of 20 seconds. The credit limit was reduced by 2/3rds and will negatively affect my credit score. I have excellent credit and strive to maintain that rating. I have two of their Credit Cards and fully expect to see another letter for the other card also reducing it by 2/3rds. This will have a cumulative affect on my credit score in the negative direction. A credit card company should not have the ability to arbitrarily reduce one 's credit limit when there the customer has excellent credit and payment history. There is no underwriting reason to do so. Many customers are receiving the letters and lots of complaints on XXXX. I am demanding my credit be restored.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/year> No amount I need an explanation from them why I can not open a savings or checking account. I've been trying to open one for years. Yet they keep stonewalling me. When I fill out an application, then all of sudden there's a problem with the server. They always come up with a convenient excuse to deny my application. I do have a credit card account. They have all of my personal information. What more do I need to open a checking account? I supplied the same info when I opened my credit account, no problem. What's the issue here. Any explanation from them needs to be clear and concise. No banking doubletalk.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (FL)

Back in XX/XX/2023 I logged complaint against CHIME for allowing a fraud charge to be debited from my account. They refused to credit me back but did shut off my debit card and send me a new one.. over a month later after fighting with CHIME they gave me a credit for the amount of XXXX which was the fraud charge but then a couple weeks later the charge was back on my account. I DISPUTED AGAIN and explained the situation that is fraud .. they didn't understand due to language barrier and kept asking who I charged it with... I DIDN'T USE MY CARD. they proceeded to tell me they would have to investigate again.. WHAT??? ... It is almost impossible to speak to someone at this company that understands or knows how to dispute a charge. So I told them that the charge will sit there and I'm closing my account because I'm tired of trying to deal with this company. CHIME has a horrible customer service.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

I purchased a vehicle from XXXX  ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX  had confirmed they would process official paperwork with the DMV to register the car in my name. As of XXXX XXXX  is unable to provide any evidence that they have made progress registering the vehicle in my name and I am unable to legally drive the car. 

I used XXXX  to secure financing for this vehicle through TD Auto Finance and have made a down payment and 2 monthly payments. My third will be on XX/XX/XXXX. I am unable to legally drive the car and XXXX  will not process a return.

I am also contacting TD Auto Finance to see how they can help and recommend they stop financing with this dealer. 

Any help would be appreciated. XXXX  is unable to deliver on their product and I am stuck without line of sight to recourse and an outstanding {$20000.00} financed.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX  XXXX on XX/XX/2022 Paid the charge off.XXXX  XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. Gemb/Amazon Charged off account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (DE)

Subject : Goodwill Request for Delinquency Removal Dear LightStream Representative, I hope this letter finds you well. I am writing to you a second time as a valued customer who has, in the past, maintained a positive relationship with your company. I am reaching out to discuss a matter of great importance to me and kindly request your understanding and assistance. 

I recently reviewed my credit report and noted a 30 day delinquency reported on my account with your company. I understand the significance of accurate credit reporting, and I am aware that my credit history is a reflection of my financial responsibility. I sincerely believe that the delinquency reported is not indicative of my usual financial behavior. 

Unfortunately, due to a medical bill of over {$5600.00}, I faced challenges that impacted my ability to make one timely payment on one of the two accounts I have with you. Since that time, I have taken proactive steps to address and improve my financial situation. I am up to date with my payments, and I am committed to maintaining a positive payment history moving forward. ( I have only this single 30-day delinquency on my credit report ) This has had a devastating negative effect on my credit score. 

I am kindly requesting your goodwill in considering the removal of the reported delinquency from my credit report. This has caused a delay in my ability to obtain a home mortgage. I understand that your company values its customers, and I know this gesture would significantly benefit my credit standing. I have again attached the medical bill of {$5600.00} that caused me to get off track with my one payment to you. 

I am grateful for your time and consideration in reviewing my request. Your understanding and assistance in this matter would be immensely appreciated. Thank you for your attention to this request. I look forward to the possibility of resolving this matter amicably. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau FDIC XXXX, XXXX XXXX, and XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting 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 (IL)

I was notified by XXXX and XXXX today that a credit inquiry was made by capital one. I called XXXX and they flagged it as fraud. I also initiated a credit freeze on my report. I then called Capital One who verified TWO inquires/new applications ( one denied and one pending ). They marked both as fraud.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Momnt Technologies, Inc. (TX)

Took out a loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX in XXXX TX. The loan for {$7000.00} Was for treatments for XXXX. The total amount is due by XX/XX/XXXX. Payable to Momnt loans located at XXXX XXXX XXXX XXXX XXXX  GA XXXX. The loan itself was issued by XXXX XXXX. The primary company for XXXX XXXX XXXX XXXX is XXXX XXXX XXXX. 
After getting the first treatment of 12 promised I realized there isn't any medical staff at the clinic that's was located at XXXX XXXX XXXX XXXX Tx XXXX. However I went a few times for treatment then got suspicious of operations of XXXX XXXX XXXX. 
Then one day they just closed the clinic with no notice.On top of that the treatments were worthless. 
However now Momnt loans wants me to pay The {$7000.00} debt by XX/XX/XXXX, or I will then owe {$9200.00}, after that date. 
I'm not paying for this fraudulent company that did not deliver on anything they promised. 
Momnt loans is the services for XXXX XXXX  and both should be investigated for fraudulent practices. I can discuss further. XXXX XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Due to Covid-19 and I lost my job, I had my auto payments deferred with Capital One Auto Finance from XXXX to XX/XX/ 2020, and it was approved, and granted. I received a email of confirmation, and a letter of documentation in the mail to show that it was confirmation approval. But on my credit report for the months of XXXX, and XXXX of year 2020. It was reported as 30 days late twice. A 30 days late for the month of XX/XX/ 2020, and another 30 days late for the month of XX/XX/2020. Which has drop my credit score tremendously. I thought when a payment be deferred, and put on the end of a account term. It do not report to the credit bureaus as late so it do not hurt your score. All I ask as a high echelon in the name of XXXX XXXX XXXX XXXX, that this be fix immediately so I may be able to find another job, to support my family in this pandemic. Please, have mercy help me. Because right now I am in distress.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an AMEX eGift Card for {$250.00} in XX/XX/XXXX. It took me a year to find a web site that would accept this gift card as payment ( wayfair.com. ) It got rejected on numerous other sites because the billing information could not be matched up to any info on the eGift Card ( this was confirmed by a rep at XXXX XXXX online. ) Also not a single in person store could use it because there is no code for them to scan. I also spoke to someone at XXXX who said to convert the card to an XXXX gift card to use on there. This only worked for two amounts of {$25.00} each and then XXXX began rejecting it. There is now {$33.00} remaining on this card as XXXX has rejected my attempts to buy another {$25.00} gift card. 

I have since received another AMEX eGift Card for {$250.00} in XX/XX/XXXX. From my experience last year cited above, I KNOW this card will be rejected everywhere. I purchased ONE XXXX gift card for {$25.00} with this card. Subsequent attempts to buy/convert more gift cards were rejected. The balance on this card is now {$220.00}. 

The AMEX site clearly confirms my Egift cards and the balances but the phone number is strictly automated and unhelpful. I also read the details on the AMEX web site because I'd like to at least be able to pay my own AMEX bill with this card - but the fine print states that is not possible. It's really ridiculous and I'd like to cash in my balances. Thank you.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

This is easy. I owe XXXX debt. I keep getting scam calls from CSII, https : //www.creditsystemsintl.com/, daily. After repeatedly telling these " people '' to take my number off their list I continue to get calls, so I called them, they refused to provide any information, so I let them know on the phone that if I receive one more call I will take legal action and call the police, as phone harassment is a crime. Also, I have made my intentions clear that I do not want to be called in writing, at their mailing address listed at CSII. 

This is a complaint, and a warning, if this continues I will take legal action. Remove my number, XXXX XXXX XXXX, off the CSII scam call list unless you want to deal with a lawyer. I have a record of every scam call CSII made and the voicemails from these numbers, further, I suspect CSII uses spoofed numbers to make these spam/scam calls.

Locally, I am getting more people and more information on this business in order to make a legal effort on the scam business CSII.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (TX)

I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to XXXX time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they 1.was XXXX and then they added a2nd mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were 1st time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered
Consumer complaint received 2024-02-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY (TX)

We are complaining about a purchase price of a home that was over priced in the market than what it originally cost. We were sold a home from the seller for XXXX XXXX and the mortgage company put us in a {$90000.00} loan in XXXX  for a home on XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. The purchase price was not equivalent to the house valued price which was XXXX or little under at that time.The mortgage lender company charged us XXXX the seller asked for just XXXX. We want answers! The value of that home in XXXX  was below the price of the mortgage that the lender stuck us with. We went with it very blinded just because we we not educated. We were originally purchased the house as a lease to own until we could find a mortgage lender to pay the seller. The seller charged us XXXX for the home wellsfargo put us in a XXXX loan with 2 mortgages! We want answers We want the house original appraisal documents that was issued during that time from the mortgage lender company
Consumer complaint received 2024-02-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (TX)

I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to XXXX time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they XXXX XXXX and then they added XXXX mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were XXXX time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have sent this company a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not bonded, licensed or insured to collect in the state of ( list your state here ). Please have this company cease all collection activities. This is my last attempt to complain outside of court. My next proper and lawful steps are to intend to sue.
Consumer complaint received 2019-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Saturday XX/XX/2019 : According to an email from XXXX XXXX, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a Capital One card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY (TX)

I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to 1st time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they 1.was XXXX and then they added a2nd mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were 1st time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered