davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called the company in regards to the withdraw amount. I then went in person to the physical location XX/XX/XXXX to have my account frozen and a claim filed. Told the process should take no more than XXXX to XXXX week. The check was withdrawn from my account for {$2400.00}. XXXX email was sent about my account being frozen, no claim number or contact information provided. 

XX/XX/XXXX Called for further information XXXX went into physical location to ask about the status of the fraudulent check. Again told the mater was being investigated. 

Called XXXX I called XXXX times and the call drop. No information was provided. The agent told me the check was fraudulent but then the call dropped and I was never called back. 

Called XXXX, I called XXXX times was told by customer service that the situation was to complicated to explain but they were continuing to investigate my account. No claim number or further information was provided. 

Called XX/XX/XXXX I called 3 times. The XXXX told me my claim was closed. Refused to give me the claim number or any information about the check or where my money had been withdrawn to. Refused to cc me into an email to the person investigating my account. Second time my call was dropped and never returned even after providing call back numbers.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a letter stating that my account would close in XXXX, XXXX, I have never applied for any credit cards with Bank of America, so this card was open by the bank with a XXXX credit line that has never been used it was opened in XXXX I never did a credit card application for this company.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i used my card for a lot of spending and i did reached a rewardsbalance of $ XXXX that point they put my account on hold and eventually closed it and they haven't allowed me to redeem my rewardson any format
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

XX/XX/XXXX, Carrington was contacted because a payment adjustment was due because my property taxes decreased. I am a senior citizen and I have two discounts from the Office of Tax and Revenue, Property taxes. I currently have the Homestead Deduction which I have had since I was XXXX  years of age and I recently ( XX/XX/XXXX ) I received the District 's Senior Citizen discount. This information was forwarded to Carrington from OTR/Property Tax Office on XX/XX/XXXX one month before taxes are due, Carrington never did the adjustment, and my current mortgage was a hardship. So from XXXX date Carrington did not the adjustment for the new monthly mortgage payment. I had to take both checks to make my mortgage payment and I kept calling Carrington to get the new mortgage payment and all I received was one excuse after another. On XX/XX/XXXX I contacted Carrington to make a payment and was told that I would have to bring the loan current before they accepted a payment and at this time i was told that I had an Escrow Surplus in the amount of XXXX and was transferred to Carrington 's Property Tax Division. I spoke with XXXX to find out why my new mortgage payment of XXXX would be due in XXXX and not now since Carrington had not done and/or applied the new property taxes in my loan. I found out that was done last XX/XX/XXXX, and XXXX told me to inform them that I wanted to apply the surplus to my missed mortgage payments because they are not allowed to retain a customer 's surplus payments, she then transferred me to Customer Service. I was told my XXXX XXXX after she spoke to the escrow office to send a letter with my signature and loan number to her email XXXX. the letter was to state that I authorize Carrington to apply my surplus to my loan balance and the send me a receipt. Again no response and I do believe XXXX got into trouble for telling me that because she never responded. Carrington has made me pay XXXX dollars since XXXX with a new payment adjustment of XXXX which will begin in XXXX, XXXX. How can they keep my money and/or not allow me to apply that surplus payment to my mortgage payments along with the mortgage payment they will not accept. It should not have taken them 2 and one half years to do the adjustment as they knew it presented a hardship for me especially since I added the late fee because the payments would be late since I had to take both paychecks to pay the mortgage. It was getting harder for me to meet the payments my utilities suffered, I am on XXXX medications per day, went without food and medicine for months ' they took none of this into consideration and they are still making me pay the higher mortgage payment and not the adjusted payment until XXXX, XXXX.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX EQUIFAX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

My payment was refused by MBFS in XX/XX/XXXX although I only have been late once and have used this payment method since the start of my contract in XXXX ( years ). It took them a month to call me back on why. Finally, months later I got an answer. They also lied and said my XXXX relief payments would not be used from the contract allotment and they were forcing me to not have options in pushing payments off causing me to lose what was granted to me contractually. My contract was violated and I have detailed accounts including recordings of conversations and information provided from the start of the loan. I've been lied to and finally, due to the contract dispute they picked up my vehicle last night after me indicated Ill make the payments but I want my answers to my questions- I have more questions as to why I was lied to ( picked up same day ). I was also sold a used car as new from the beginning forcing me to overpay and I have never been able to use the warranty I purchased. Many violations here from the start and I have recordings and emails etc... This was a coordinated effect and I want accountability. They also reported my payments incorrectly to the credit bureaus - indicating I was late when I was not.
Consumer complaint received 2016-07-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX of XXXX I purchased a home and was financed by XXXX XXXX, the loan was then transferred to Wachovia bank under the same account number until XXXX, and at all times the payments were reported to the credit report agencies in paid and never late status until XXXX, when the loan thereafter was transferred to Wells Fargo Mortgage, wells Fargo changed the account number of the loan to make it look like a different account and to categorize it as a closed account on the credit reports while not updating and reporting the payments that are paid and never late, my reasonable question is : How could Wells Fargo receive my never late payments and yet reports to creditors who review my credit reports as closed account. 
I have a signed letter by Wachovia 's CEO that indicates about the terms of this loan should never change even when transferred to another financial institution.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Under the Fair Credit Reporting Act the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( a ) credit or insurance to be used primarily for personal, family, or household purposes ; ( b ) employment purposes ; ( c ) any other purpose authorized under section 604 [ 1681 The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, TransUnion has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. TransUnion has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. 



Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( XXXX ) Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Set my B of A credit card account to automatic payments every month indefinitely. I received a notification from my XXXX subscription that my score had dropped significantly. Look online and no automatic payment to be found. I then process payment immediately and refer back to my emails associated with my account and see confirmations for automatic payments processed every month from XXXX but nothing for XX/XX/2024. There was also no email stating that automatic payments would end or be terminated. This to me appeared to be a system error but B of A did not treat it as such and instead penalized me for it. In the 12 years I have been establishing my credit, I have had no delinquency in my accounts. B of A caused a significant drop in my credit score and available limit. I went from a XXXX to a XXXX overnight. I will not take this lightly since your credit means everything.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

Payment was made on XX/XX/XXXX. Since then I had been contacted 3 times by mail, constant phone calls through the day. Sometimes XXXX. As well as text messages, even though I opted out of texts. Sent them proof of payment, and they still call and text me about this {$79.00} that I already paid.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OPTUM BANK, INC. (MD)

Optum Financial has managed my XXXX account while I was employed by XXXX XXXX XXXX XXXX. In XXXX of XXXX I initiated trustee to trustee transfer request between Optum Financial and Lively, in which the funds were transferred directly between providers. On XX/XX/XXXX, this transfer took place successfully and I never had to take possession of these funds. However, in XXXX Optum Financial has issued a 1099-SA form for XXXX tax year, in which it claimed that I received a 30k+ distribution, which created for me a large tax liability to IRS. When I called Optum Financial in an attempt to correct this error, the customer service rep. ( XXXX ) told me that Optum has issued a check # XXXX that I cashed and therefore closed my account. Off course this wasn't true, and it never happened. The rep told me that there is nothing more she could do for me. At my request, the rep promised to email me and have a supervisor contact me about this problem. None of these things ever took place. I request that Optum Financial correct their error and reissue corrected 1099-SA form, so I can proceed to file my income tax return. I have all the necessary documents supporting my claim. I request that Optum Financial resolve this error as soon as possible, because I can not file my income tax based on their incorrect 1099-SA..
Consumer complaint received 2017-10-01
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. (MA)

Transunion has credit inquires that I did not authorize on my credit report 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
Consumer complaint received 2018-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

XXXX XXXX XXXX is our homeowners insurance company. Loancare is the company that is servicing our VA loan. Loancare, allegedly, paid our insurance company, by check, dated XX/XX/XXXX. The bill was due on XX/XX/XXXX. The Insurance company has not received the check as of XX/XX/XXXX. Our insurance is being cancelled due to the incompetence of Loancare.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OR)

XX/XX/XXXX -Tried to login to my comenity credit card with no luck. Been using saved password and phone # to login with no problems for years. Talked to dozens of Service reps and supervisors with no luck. Was consoled by supervisor XXXX and told not to worry about late fees or reporting delinquent to credit bureaus until fixed. Today I received my latest statement saying they are charging me late fees and reporting me to credit bureaus. I am not late. Was not late! XXXX from account payable threatened me on XX/XX/XXXX to pay {$110.00} or be charged late fees and reported to credit bureau. After arguing with her I paid {$100.00} on XX/XX/XXXX and owe {$14.00} on my due date XX/XX/XXXX. Those payments were made and are not in their system .I have screenshots of my XXXX XXXX  statement verifying my payments to Comenity. What phone # or XXXX account should I send them? Please help!!! XXXX
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (OH)

I have been working with SoFi since XXXX for a home refinance. I started this process and selected their company as they offered a competitive rate ( historic lows ) and low closing costs. I would have selected another bank in fact if their closing costs they represented were actually accurate to what they then modified throughout the process - as their rate was not the lowest. Since XXXX, I am still in the closing process, and have in fact had my closing scheduled and canceled Bc of disorganization or what appears now to be discriminatory behavior on their end. The amount of documentation, and verified, credit cards information, multiple credit runs, employment verification over and over this 5 month process has been unimaginable. I have complied in every attempt to make this work, but it appears this bank does not want to proceed with this refinance for some reasons. I have excellent credit, payment history and employment, so there is no reason this loan should be denied. Im at a loss and frustrated that i have not been afforded the opportunity to get a more competitive rate in the market Bc of the actions of this company. The have lied throughout the processes making it impossible for me to move on to another institution to take advantages of the rates in a timely manner. As they will see from my document history I provided nearly all documents in less than 3 days keeping the process moving. The screen shot attached shows my compliance since XXXX and my showing as XX/XX/XXXX ( even though its 2 days away and they requested 2 more documents today and have not scheduled a closing ).
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I received an email alert from Chase stating that there was an ongoing wire transfer of {$8700.00} debited from the account that afternoon. Knowing this was NOT me, as the wire transfer was to a stranger in a completely different state, I immediately called to report fraud. The employee at Chase said my mother, with who I share the Chase account, confirmed the transaction. We then went on a joint call and confirmed that neither of us confirmed this transaction. Chase proceeded to tell us that we have to wait up to 10 business days to receive an affidavit, sign, and return it, and 5 days later an investigation will begin for the fraudulent transaction. The pending wire transfer is not being stopped, the money is not being put back into my account, as well as freezing my account until the investigation is over, in about two weeks. This is my primary source of funds. Not only have I lost {$8700.00} by someone easily logging in to the account, but now I have no access to my funds. The security at Chase did not protect my account or my joint account with my mother. A stranger easily logged in and took money, and Chase is not doing anything immediately to fix the situation.
Consumer complaint received 2024-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

I am beyond in disbelief that wellsfargo as my original loan in mortgage and line of credit. Could sell my first mortgage to a sister company that has all ties to them XXXX. Then my second loan is still with wellsfargo I have had issues with my mail. I never received any of the letters you sent to XXXX the company you sold my first loan. I had to declare bankruptcy to even try to get information since I was ignorant to the process I expected my bank to guide me and let me deal with one person. From the original day I asked wellsfargo for help I got so many different team members that by the time I had my information on how wellsfargo wanted it I was foreclosed. Wellsfargo originally had my first and second loan and through the attorneys find ways to not help us as people who are truly in duresss. XXXX hit us so hard family died your own representatives give wrong information on dont worry dont pay we can help. All to make us go under when we realize the amount we owe is totally triple thanks for being proud of taking a home from a mom of three. If you planned on helping you dont sell the loan and act like you cant sell the second loan. I will hire an attorney this is corruption!