davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that XXXX XXXX ( the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with XXXX XXXX XXXX for my monthly car payments to be withdrawn automatically on the XX/XX/XXXX of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken on XX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by XXXX XXXX XXXX and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn onXX/XX/XXXX but WAS successfully withdrawn by XXXX XXXX XXXX on XX/XX/2018 which made the payment for XX/XX/XXXX 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (IL)

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 
Also company cant sell your account to a third party. 

Account XXXX Transworld systems XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

XXXX months after obtaining a mortgage from XXXX  XXXX, XXXX XXXXXXXX after attempting to make my monthly mortgage payment of {$1800.00} XXXX XXXXXXXX refused to accept my payment and stated that they were force placing insurance on the property which increased the mortgage to {$2.00}, XXXX because there was a discrepancy with the insurance company that the property was no longer covered with insurance, they did not allocate sufficient funds in escrow to cover insurance premium. From XXXX I spoke with XXXX XXXXXXXX on numerous occasions from the course of XXXX I paid {$14000.00} in increments to XXXX XXXXXXXX. In XXXX of XXXX I paid {$5000.00} to XXXX XXXXXXXX and as a result of the pandemic I would be able to defer my payments. The beginning of XXXX Mr. Cooper ( formerly known as Nationstar ) informed me via phone that they had taken over my loan from XXXX XXXXXXXX ( with no prior notice from XXXX XXXX ). Mr. Cooper ( fka Nationstar ) then proceeded to inform me that my loan was in forbearance and that I can continue once that period was over, they assured me that once the forbearance period was over that I would resume my payments. XX/XX/XXXX, I reached out to Mr. Cooper ( fka Nationstar ) to resume my mortgage payments at that time they informed my that they would not accept my mortgage payment and that I needed to pay {$18000.00} in arrearage at this time I retained an attorney. All the attorney did as take my retainer and did nothing. I have been in contact with Mr. Cooper ( fka Nationstar ) over 50 times over a period of two years, Mr. Cooper ( fka Nationstar ) obtained my loan without doing their due diligence and the transfer of my loan, I have bank statements reflecting my payments from XX/XX/XXXX - XX/XX/XXXX to XXXX XXXXl that were not reflected nor transferred to Mr. Cooper ( fka Nationstar ) I have sent documentation to Mr. Cooper, emails to their attorneys, the attorneys have yet to return my phone calls to date when I initiated contacted with them two months ago. My initial mortgage was {$220000.00} and as a result of Michigan Mutuals moral turpitude and misrepresentation and breach of trust I am now forced to contact the FTC that I have tried to come to a resolution with Mr. Cooper and they have violated as well. I have spoken to over 20 representatives at Mr. Cooper, five being in the Escalations Department. Mr. Cooper is now in violation of culpable negligence and breach of trust. I have been proactive in this situation and Mr. Cooper ( fka Nationstar ) has not acted in the best interest of the consumer. Mr. Cooper has issued a lispendens on my home that was currently in modification. At this point I have no other recourse but to contact the FTC, it is my hope that with the help with the FTC that this issue can be resolved.
Consumer complaint received 2020-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

The loan is set up to pay the amount of interest of loan monthly. The amount is automatically withdrawn from checking account. I have made several additional payments after the interest payment was deducted, thinking that the amount that I paid over the interest amount would reflect and be applied to principle balance of the loan. In looking at loan history it shows a very small amount has gone to principle, most has been applied to interest. Example ; XXXX 's interest only payment was withdrawn on XXXX for {$290.00}. 
Additional payments I made expecting them to be applied to principle : XXXX XXXX {$100.00} XXXX {$200.00}, XXXX XXXX {$150.00}. The loan company only applied {$89.00} to principle and {$650.00} to interest. Looking at the history of this loan, I am concerned that my monies are not being applied properly. Since the life of the loan ( 3 semesters - merged to one loan ), Interest paid : {$3200.00} and Principle paid : $ {$990.00}. I have tried to call to understand why my extra payments are not being applied. They say its set up as simple fee interest calculated daily and when my daughter graduates in XX/XX/XXXX, in will then turn to compound interest. They sent me an Amortization of schedule for this loan and it shows payments going only to interest and on XX/XX/ the min. payment will be {$38000.00}? I believe this form they sent me has a major error. How will I ever pay this loan if I can never move forward no matter how much I pay monthly. I feel they are not putting my payments towards principle out of error. We also have a XXXX  XXXX, and the balance is shrinking and there is a good amount of principle being applied from extra payments, so We need help with understanding how this company ever expect their student cliental, to get out of student debt?
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

I am filing this formal complaint against Self Lender in regard to inaccurate and damaging information being reported on my credit report for Account # XXXX. Specifically, Self Lender is falsely reporting a late payment for XX/XX/year>, despite the fact that my payment is not due until XX/XX/year>. There is absolutely no valid basis for this late payment to be reflected on my credit report before the payment due date has even passed. Furthermore, my credit report incorrectly shows my last payment as being made on XX/XX/year>, which is also false and inaccurate. I have made my payments as required, and Self Lender has failed to update my account with the correct payment information. These inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information be reported on consumer credit files. The reporting of this false late payment, along with the incorrect payment history, has severely impacted my credit score and financial standing, causing unwarranted harm. I am demanding that Self Lender immediately : 1. Correct my credit report to reflect accurate payment history. 2. Remove the false XX/XX/year> late payment entry. 3. Update the payment record to show my most recent payment date accurately. If this matter is not resolved promptly, I will pursue legal action against Self Lender for willful noncompliance with the FCRA, including seeking damages for the harm caused by this inaccurate reporting. I trust the CFPB will assist in holding Self Lender accountable for their obligations under the FCRA and ensure that my credit report is updated accordingly.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had applied for the CAPITAL ONE QUICK SILVER credit card since they were and still are Offering Cash Bonus. Spend {$500.00} within 3 Month and you will receive {$200.00} one time money back. I was accepted back in Dec last year and REFERRED my XXXX  as well as there was a REFFERAL Bonus as well as the cash back bonus. 

I have spent {$500.00} as mention on Capital one credit and never received any bonus. My wife however spent {$500.00} and received {$200.00} immediately. So I was wondering what had happened. So I called Capital One and told me I am not qualified for the offer that I had initially buy into. 

So the referral was sent from my Capital One app Quick Silver Card. The process was very simple, Just send the link and if the recipient is accepted you shall both be rewarded. 
I was told I would be getting my bonus within 2 bill cycles when I initially called capital one.

Month later I was told no you are not entitled. After reading all inclusion and exclusion there was nothing to suggest otherwise I was within the rules.

I would like the Bonus scheme to be honored as agreed on Capital one Quick Silver.
Consumer complaint received 2023-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX a fraudulent inquiry was made on my behalf from XXXX XXXXXXXX the same incidents occurred on XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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: CCS Financial Services, Inc. (TX)

I have a collection acct with a credit collection services. They had a debt for XXXX insurance  I had. Its {$340.00}. I actually paid the debt with XXXX when I switched back to them. And it was reported paid in full. At this time I am now trying to get a home loan. Im a XXXX working with a company and to be able to get approved I need to have credit collection services remove this from my report. The company Im working with has had multiple clients get their items removed from their credit report when requested from credit collection services when asked. However they are refusing to remove mine. I dont feel that its fair to ne that they have removed others via a pay to delete proposal but when I ask them, they are refusing. This isnt a fair consumer proactive. I also have evidence in the form of a letter from them to another client they did remove it from so I know they do it even though they claim they wont. My name is XXXX XXXX and the company is Credit Collections Services XXXX.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Paid my rent {$2300.00} on XXXX/2023 ( sunday ). On XX/XX//2023 my ending balance was {$2400.00}. 2 transactions were made on XXXXXXXX2023  ( XXXX - {$6.00} at gas station & 2 - {$40.00} to XXXX ). Per my online and banking statement my rent payment of {$2300.00} was removed on XXXX/2023 leaving me a balance on XX/XX/2023 of {$260.00}. With that balance I repaid a debt via XXXXXXXX XXXX of {$200.00} on on XX/XX//2023 and made a purchase of {$24.00} on XX/XX/2023. 

So to my surprise this morning ( XX/XX/2023 ) I get a return payment notification from Firth Third bank saying that they returned my rent payment of {$2300.00}. I contacted customer service and a manager told me that " technically '' the payment did clear on XX/XX/2023, but the purchases of {$24.00} ( made on XXXX/XXXX/2023 ) and {$40.00} ( made on XXXX/XXXX/2023 ) came out first making my account negative so they returned the payment. 

How is a family suppose to manage their finances like this. I get email and text notifications and check my online account multiple times daily and there seems to be no way to avoid these issues and then fees. So now I have to pay a return payment fee, a late payment fee, and drive across town to pay my rent with a money order all because of this mess. I am not confident in banks in America now.
Consumer complaint received 2023-03-07
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: Early Warning Services, LLC (GA)

Hello, my name is XXXX XXXX XXXX XXXX. It has come to my attention that Early Warning Systems has fraudulent information in their database attached to my social security number that is causing me financial harm. There are accounts from XXXX XXXX XXXXXXXX, XXXX XXXXk, XXXX XXXX, and XXXX that were fraudulently opened without my consent. These accounts are now showing on a database that Early Warning Systems maintains without ever having my written consent. This is a direct violation of the Gramm Leech Bliley Act which states a financial institution must have written consent from a consumer to use or report any personal non-public information. I have never entered into any agreements with Early Warning Systems nor was I given full disclosure or any opportunity to opt out of them using or sharing my personal non-public information.
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Terrill Outsourcing Group (MD)

I discovered fraudulent charges on my credit card around XX/XX/XXXX. They were apparently for a cell phone lease from a company called XXXX XXXX XXXX, which I have never heard of and certainly never done any business with. I reported the fraud to my credit card company who invalidated the charge and issued me a new credit card. Much later, in XX/XX/XXXX, I received notification by mail from Superlative RM, a debt collection agency. Even though I had reported the charge as fraudulent to my credit card company, and its not a debt that I owe, Superlative RM was attempting to collect this debt from me in the amount of {$1100.00}. I replied immediately by mail, telling Superlative RM that I dispute the debt and demanding to see a copy of the judgement against me and any documents related to that judgement, including the name and address of the original creditor. Superlative responded with a letter dated XX/XX/XXXX that showed details from the original purchase through XXXX XXXX XXXX. It revealed that the criminal who made the charges used my name and address, along with an email address Ive never seen before. The IP address associated with the transaction originated in XXXX, NY whereas I live in XXXX XXXX, MD.
Consumer complaint received 2020-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I applied for a loan modification back in XX/XX/2019 due to my loan not being written correctly and the title company never paid my insurance so I had a forced insurance without notice and my payment increased .The mortgage company keeps telling me they haven't received proper documentation, when I keep resubmitting the same information by fax and email over three times.The mortgage company is delaying the loan modification process.I have proof of submitting the information requested.Please someone help me.My name is XXXX XXXX and I have Cross Country Mortgage as my servicer.I agreed to a payment of XXXX per month then my payment increased to XXXX per month due to title companies negligence.No one is trying to correct the problem and my mortgage become very unaffordable.Thank you!
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, my husband and I dined at the XXXX XXXX XXXX XXXX. Our bill came to {$77.00}. My husband and I have two separate PNC accounts. I tried to pay with my debit card, and I was told it was declined. My husband then gave them his debit card. It too was declined. He then used his XXXX Card. The payment was accepted. We both were concerned about our accounts, so we checked and both accounts had the money in the accounts to pay the bill. My husband and I have been back and forth with this bank disputed pending charges for the above amount, and subsequently posted charges of {$77.00}. I had three of these post to my account. My husband had two. They gave us provisional credit for these charges on each account, and launched a supposed " investigation '', but ended up reversing a provisional credit off of each account stating that the vendor stated that they did you the PNC card to pay the bill. We provided my husband 's XXXX card statement and a transaction tape from the XXXX XXXX credit card terminal proving it was only paid from the XXXX card. Here it is XX/XX/2020, and PNC said they are now reversing his provisional credit of {$77.00} stating the XXXX XXXX confirmed that his PNC card was what was used to pay this bill, even though he already provided proof it was not. He went into a branch yesterday and they refused to do anything about this. I worked in banking for 5 years and have never seen a bank pull something like this. This is not their money. This is my husband 's money and he would like it back. Please advise us on what we can do. We feel helpless.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX XXXX sent me a debt collection letter to collect {$670.00} on XX/XX/year>. 

They apparently purchased the debt from USAA SAVINGS BANK or are collecting this debt on behalf of them. 

I, the consumer and original creditor, never authorized USAA SAVINGS BANK to communicate with any third party debt collector thus 15 USC 1692c ( b ) was violated. 

XXXXXXXX XXXX  designed and sent me a deceptive debt collection form violating 15 USC 1692j. XXXX XXXX is not the creditor participating in the collection of this debt making this attempt to collect unlawful. 

Also, In the letter sent to me, they were 54 words which were very profane and abused me as the reader in which I was very offended by violating 15 USC 1692d ( 2 )
Consumer complaint received 2020-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I was notified via text message that my Bank of America debit card had been compromised and charges were made on my account for {$550.00} in online purchases. When I went onto my online banking app right away, I learned that two checks - one for {$1100.00} and one for {$940.00} were cashed in my name. A few days later on XX/XX/XXXX I was notified by BOA that two payroll checks for businesses in PA and MO were cashed in my name - those two checks totaled {$3800.00}. 

The first two checks were cashed at a Bank of America, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Missouri. The person who cashed these checks made a fake copy of my license. I was told by Bank of America. 

I was credited the {$550.00} in debit purchases, but Bank of America refuses to give me that money, as they say that my account is still {$3000.00} in the negative. My account is in the negative because my identity was stolen, by someone that clearly is not me. My husband also mistakenly transferred money to my frozen account ( to help me pay bills ) and BOA refuses to give me that as well, as the account is frozen. 

I have filed a police report, as well as reported by identity theft to the FTC. My FTC Ref No is 1XXXX. The police report number is XXXX Bank of America has not given me any updates and only says that are " investigating ''.
Consumer complaint received 2024-10-23
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 (MD)

I was given a {$15.00} online American Express rewards card, and I am unable to use it. I have tried ivermectin and over again to make various purchases, but the card is always declined. I know I have the card number and ccv number correct, but it still will not work. I read over the instructions on the American Express website, and they didn't help me at all. I have not contacted the company directly yet, but I shouldn't have to. Using a prepaid card should be easy. I've had countless prepaid XXXX cards in the past and never once had nay issue. Hopefully I won't be gifted an American Express rewards card again.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: ClearOne Advantage, LLC (MN)

I cancelled my debt collection service contract with Clear One Advantage. https : //www.clearoneadvantage.com/ They have tried to take a biweekly draw XXXX times since the cancelation from my business account. Payments have been stopped. 
They draw comes from XXXXXXXX XXXX XXXX on behalf of Clear One Advantage. 
They have tried. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$550.00} on each occasion. 

I was told that they would stop trying to take the draw but they keep trying. I am being charged a service fee from my bank each time they do this. My banker is XXXX XXXX with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Phone Numbers Main : ( XXXX ) XXXX