davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NY)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (SD)

We have had our Mortgage with HomeLoanServ since 2015. We have had several instances over the years where our payments are being applied incorrectly. We make a partial payment on the XXXX, log in on the XXXX to make the rest of the payment, only to discover that the previous payment went towards interest instead of principal. We then have to call and have the situation reconciled every time this happens. When I called to file a complaint I was transferred around to 3 different people, and finally transferred to a man who just kept telling me I didn't understand how banks work. That if anyone using this institution were to make a partial payment at any time this will continue to happen, payments will continue to not be applied towards the monthly principal balance, and the consumer is expected to call them every time this happens. When I expressed that this is a shady business practice and sounds a lot like a scam, they purposefully change your payment to interest if it is not a full payment hoping you won't catch on and pay them extra money, he raised his voice at me and told me to go ahead and file this complaint, it wouldn't make a difference. The conversation lead me to believe this is a very common occurrence at the institution, where they apply consumers payments to the wrong option and expect them to call in to have it fixed, or they will continue to make double payments if they don't catch on that this is happening. 

I also have tried to download my statements to receive a detailed transaction history, and they are telling me that is not possible. My current XXXX statement shows I made 2 full payments and 1 partial which applied to my XXXX mortgage principal. When I called to inquire about this I was told one of those payments actually went towards my XXXX mortgage principal payment ( which one? ), but nowhere in my statement does it say that. I asked for a more detailed statement that would list exactly what month each payment was applied to and was told the company can not produce that type of statement. I was again met with condescending language, telling me I just don't understand how banks work.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (TN)

Specialized Loan Servicing reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (MT)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Equifax XXXX is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with these files & need to be deleted due to inaccurate info. Please investigate and remove these from my personal credit file. Thank you.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My identity was stolen early this year through a breach at my mortgage company XXXX. On XX/XX/XXXX a checking account was opened, in Florida, at the Bank of America ( BOA ) that included my name and identity, with a co-signer ( XXXX XXXX ) who then began to transfer money from my legitimate BOA account to the fraudulent one. I was told he brought an imposter, posing as me, to open the account. At no time did BOA alert me ( my accounts are double-protected by password and requiring a phone text confirmation of any activity ) until they sent a thank-you, that I was opening a new account. I contacted Fraud Department immediately and after numerous transfers, shut down my accounts, cards and eventually, the fraudulent account. Initially the thieves tried to move {$38000.00}, ultimately walking with {$9500.00}. Since then, I have logged many, many hours on the phone with dozens of BOA Fraud department staff who pass me on and around. I have had XXXX appointments to the local BOA. The first claim was rejected as they sent to the wrong department. I then submitted a long list of documents ( faxed by my local BOA to ensure their receipt ) for the second claim. I was just told that there is no claim. This was entirely BOA 's fault but no one has made any effort to manage this case, get back to me, clarify how this happened or attempt to return my funds. I need representation as Bank of America clearly does not protect or serve bank clients.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Debit Card and Pin Number were stolen from me on XX/XX/XXXX around XXXX XXXX AM. The card was taken and used for over XXXX transactions across XXXX until around XXXX AM on XX/XX/XXXX. The debit card was immediately frozen around XXXX, while XXXX more attempted charges were denied. 
I have been using Regions Bank for roughly XXXX years, and this is my first fraud claim incident. A list of the transactions are listed below as they were posted on XX/XX/XXXX : * XX/XX/XXXX Card Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( place of theft ) XX/XX/XXXX ATM XXXX Regions XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX Card Purchase XXXX House XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase Qt XXXX Outside XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX After finding out my debit card was used throughout the night, I drove to the Regions office to dispute the charges and get a new card. I filed a fraud dispute with Regions the morning ( XX/XX/XXXX ) the charges were posted ( and no longer pending ). It was declined after XXXX business days. 

After filing a police report and reopening the claim, the claim was denied yet again. They refuse to look into their own ATM cameras to help my case and seem to be just pushing me along to deny me every XXXX days with no further investigation. 

I have received fraud alerts ( or denied use ) for my own {$40.00} purchases, but not when a thief stole over {$2300.00} over the course of one night.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I have had the same loan servicing issues multiple times with PHH Mortgage Servicing. 

I am including screenshot images to my complaint today regarding the issue. 

I logged into my PHH Mortgage account today, XX/XX/XXXX, at approximately XXXX EST to make an online payment on my loan account for my XX/XX/XXXX payment. 

The scheduled date of the online payment automatically defaults to tomorrows date, XX/XX/XXXX. When I click on the calendar icon located in the field titled Payment Date, I am unable to select todays date of XX/XX/XXXX, as it is grayed out and unable to be selected. 

At the bottom of the webpage, located above the blue SUBMIT PAYMENT button, PHH Mortgage has a disclaimer that clearly states Payments made before XXXX PM EST Monday through Friday ( excluding holidays ) will be processed and applied to the account the same day the payment is made. 

I am unclear why if it is prior to 9PM EST, PHH Mortgages website will not allow payments to be made and processed until the next business day, which directly contradicts the disclaimer listed on their website. 

By instituting this system, PHH Mortgage is either directly or indirectly steering mortgagees to call into the customer service line, and incur an additional fee to make a payment by phone, or being forced to select a future date to schedule a payment, which could possibly result in a late fee being assessed by PHH Mortgage. 

I would like to note that I did call PHH Mortgage customer service after the online system would not let me select todays date for my payment, and I explained the situation to the representative who handled my call. The reps solution was to take my payment over the phone and waive the pay by phone fee.
Consumer complaint received 2021-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have 2 ARS collection notices, I was not notified of a medical bill ( s ), I was never provided with the Dr. information, date of service, itemized charges, I have requested information and have not recieved any proof from the collections that this is mine.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX. I contacted Bank of America to close my credit card account. I spoke with what they told me was appropriate department. I was assured that this would be closed within 24 hours. I also was assured that my XXXX $ credit would be sent back to me after 2 billing cycles. Today I received an e mail that Bank of America has been continuing to bill reoccurring accounts that had been set up even though we had already set these up with a different credit card and they used my {$170.00} credit to pay these accounts and now supposedly I owe them {$30.00} as what they have billed exceeds the credit I had. I discussed with Bank of America today and they simply gave me the runaround and again assured me that the account is closed within 24 hours. Today first I spoke its XXXX and then XXXX.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On Sunday XXXX XXXX, 2021 I reported a fraudulent transaction on my Capital One Checking a/c to Cap. One Customer Service. The fraud unit ( Customer Investigation Unit ) was closed so I could only place a consumer directed hold on the account to prevent further fraudulent debits. 

Monday being a bank holiday, I had to wait till XXXX XX/XX/XXXX to reach the Capital One fraud unit. My conversation with the representative was very odd, there was no recognition of the fraudulent nature of the transaction, I was given no case number, no timeframe for response, nothing was said about protecting my account. 

A day later a phone message said to call Capital One, but the number given was not answered and there was no voicemail. 

When I called Capital One customer service I was told, after one hour on the phone that I must appear at the bank branch to sign an affidavit reporting the fraud. 

Today, XXXX XXXX XXXX, 2021 I appeared at the branch where filed the required affidavit. I still do not have a case number or any expectation of a response or resolution from Capital One. I asked for a copy of the affidavit and was denied this request. 

I am reporting this issue because the 'electronic ' check, issued by Capital One is clearly fraudulent, the debit to my account is clearly fraudulent, and the activity is out of character with any account activity. 

The fraudulent electronic check has no signature of any kind, there is no endorsement by me on the back of the check and yet Capital One has said that electronic checks of this nature are acceptable.
Consumer complaint received 2018-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AK)

I am having ongoing problems with getting Carrington Mortgage Services, who just purchased my load in XX/XX/XXXX, to post my XX/XX/XXXX payment correctly. I received my statement today, and it had a {$5.00} overdue payment charged. In XX/XX/XXXX, I paid my normal payment, plus an extra {$100.00} through my normal recurring autodeduct. This payment was deducted as scheduled on XX/XX/XXXX and was not late. I also made an additional payment of {$1000.00} via Carrington 's website. This payment also posted on XX/XX/XXXX. The  incorrect posting of the {$1000.00} is the subject of a different complaint, still unresolved. Carrington charges {$5.00} to make an extra payment on the website, and I accepted this fee. However, it is incorrect to record it as an " overdue payment '' when the account is not overdue. I called customer " service '' to discuss this issue, and I was told that Carrington knows the account is not overdue and all fees default to the " overdue payment '' category on the website. 

This is completely ridiculous. I am not comfortable having a shady company such as Carrington record a bunch of overdue account fees to my ten-years-ahead-of-schedule and never late account. A reputable mortgage servicer should have the ability to differentiate between a fee charged for making an extra payment versus a fee charged for having an overdue account. 

To complicate things even further, the payment history screen on Carrington 's website is completely unintelligible ( printout attached ). I am receiving statements that are wrong, the website is wrong, and fees and payments are not being applied to the correct categories. They have only had my mortgage for three months, and I am already having a hard time keeping track of the mortgage balance.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

CAPITAL ONE BANK USA XXXX XXXX Date Opened XX/XX/2019 Balance : {$3000.00}
Consumer complaint received 2018-12-07
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I contacted Citimortgage in advance about modification, I knew I was going to have XXXX  XXXX & be on XXXX I specifically put off XXXX for possible modification. I was not late or behind any payments, I was just wanting payment lowered during my XXXX. In XX/XX/2018 ( loan still current ) I spoke with XXXX XXXX Citimortgage who informed me I was approved for trial period of 3months. She advised me to " check with credit bureaus to see how this will impact your credit score '' before I decided to go through modification. My FICO was approx XXXX. I contacted all credit bureaus who informed me they had no control of that & could not tell me how that would affect my credit. I was very thorough in why I was asking & how my mortgage company instructed me to do so. I followed up with Ms.XXXX  informed her of what ALL 3 credit bureaus said, was clear that i was not late, and if i could make my regular payment during the trial period ( XXXX, XXXX, XXXX ) to avoid any negative reporting. She assured me if I made payments on time as scheduled that would not be a problem. I would never have agreed to such damage to my credit score for 3months of savings. I firmly believe not only did Citimortgage failed due diligence as did credit bureaus. I was specific as to how important my credit score was. In addition to " only three months trial period '' Citimortgage sold my loan to XXXX effective XX/XX/2018. XXXX has also been reporting me as late adversely affecting my credit. I did everything I was suppose to do, my lender failed to give me all correct or clarify information given as did credit bureaus. XXXX has continued to show my account delinquent inspite of all communication I've had since XX/XX/2018. I pray for your assistance in this matter, I truly feel mislead & misinformed by both there is nothing more in could have done but call repeatedly asking for information making it clear that my primary concern was protecting my credit, hence my original contact with Citi regarding my anticipated financial situation far in advance to the point of neglecting my health to make sure all was resolved before I proceeded.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One Bank USA N has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. I never received notice of bill or notice. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (AR)

I received a business debit card from Square issued by XXXX XXXX. I never applied for a Square checking account. To receive a Square debit card, I would need to first open a checking account with them. My credit is frozen so both Square and XXXX would not be able to issue me a new account as I never had a previous account with either entity. It should be on Square to ensure the proper identity of the person opening the account. I called XXXX XXXX  to relay the problem of the open checking account with Square and XXXX 's business account debit card but all they could do was to just cancel the debit card and inform Square that the account was likely fraudulent. My issue is that Square opened the checking account without their due diligence of ensuring that the account was not opened fraudulently. Likely the fraudulent Square checking account will be used to falsely charge credit cards so that the scammer can withdraw the cash at a later point. If the credit card charges are investigated, then my name is on the account as the owner and may trigger a police warrant. If feel that Square is trying to capture market share by opening Square accounts and making it too easy to open accounts for scammers.