davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for abusing their position by setting a trap to disable my linked payment card on the due date, allowing them to profit from daily interest rates of over 20 %. I am deeply concerned about this matter. 

On XX/XX/XXXX, which is the interest-free due date for my credit card, I made a timely payment using my linked payment card, which had been successfully used for payments multiple times before. Astonishingly, Wells Fargo chose this moment to unlink my payment card, revealing a sinister side of capitalism that sets traps to extract exorbitant interest rates of over 20 %, all while preventing me from making a manual payment. 

I have consistently made on-time payments, and my statements confirm the success of these payments. On XX/XX/XXXX, I contacted the bank via telephone, and they informed me that an explanation would be provided by the Office of the President. My XXXX XXXX savings payment card has more than sufficient funds, and I made no alterations to its settings. 

I hereby file this complaint and request that the bank promptly restore my linked card so that I can make manual payments once again. Additionally, any interest or adverse effects on my credit score resulting from Wells Fargos error must be rectified by Wells Fargo. 

I implore the relevant authorities to oversee and manage this situation, as this is the second occurrence of the same issue. 

Sincerely, XXXX
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

1 ) On XX/XX/2021 I paid the mortgage payment due XX/XX/2021 of {$1700.00} which includes ( principal plus interest of {$960.00} ) and ( escrow amount of {$800.00} ). 
2 ) On XX/XX/2021 I paid the escrow shortage of {$1100.00} plus {$60.00} totaling {$1200.00} and I told them this was a payment to the escrow account. 
3 ) The escrow account should therefore have {$2900.00} and not {$850.00} as it shows on their website! 
4 ) The XX/XX/2021 of XXXX has been applied as principal only payment according to their website! 
5 ) The XX/XX/2021 of XXXX has been applied as mortgage payment according to their website! 

None of this money has been credited properly per their website! Instead I see on their website indicating I have not paid my mortgage due of {$1900.00}. This is misrepresentation to say the least! Last year I paid the shortage of {$110.00} but was not credited to the escrow account. 

This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. 

Also, when you call customer service of PHH Mortgage Services they warn you that they are a DEBT COLLECTOR and everything you say may be used against you. I wonder what debt they are trying to collect from me! I thought they are a mortgage company.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to EQUIFAX and received a computer response by mail. I called and all they did was submit another dispute and resolvedit thesame day which tells me they don't care.They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these FRADULENT inquiries be removed please.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

in XXXX of XXXX a lease was signed electronically with my name and information fraudulently. Subsequently the parties were evicted and Fair Collections & Outsourcing ( FCO ) contacted me about the debt. After numerous phone calls. I completed a notarized fraud affidavit and sent to them on XX/XX/XXXX. FCO continues to state the information is being verified by their client. After more conversations i finally received a copy of said lease XX/XX/XXXX the electronic signature first has an incorrect middle initial for me and the email address used to electronically sign the lease is for my ex-wife whom i divorced in XXXX. FCO has stated their client ( XXXX XXXX ) states i was in their office physically in XXXX, FL ( XXXX XXXX ) i live in XXXX XXXX, FL over 3 hours away and have never been in their office. I have disputed this information with the credit reporting bureaus and XXXX continues to " verify '' the information back to them. In XXXX the original debtor, XXXX XXXX, was sold, the person who signed the lease is no longer with the company and there is no one at that company that could verify the information even if it were true, which it is not. I see where the CFPB has filed suit ( Case 8:19-cv-02817-GJH ) with the United States District Court for the District of Maryland, Southern District with FCO for essentially the same thing I am claiming. Your help in this matter would be greatly appreciated. Thank you in advance
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (AL)

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (VA)

A/c # XXXX I took loan from alley auto but i was asked to pay 1 ) {$8600.00} instead of XXXX remaining balance to pay off the car loan requested extension but still charged high interest payment from XXXX to XX/XX/2020 {$8600.00} even with the Federal government Moratorium to grant extension on loan so I paid {$1800.00} two days ago 2 ) denied password reset and systematically took advantage of me 3 ) tried to resolve the payment dispute but the staff was not helpful instead harassed and mistreat me me to pay off the loan so please forward this issue to civil suit lawyer or Federal watch agency for corrective measure or lawful action
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (WA)

On XX/XX/2023 at XXXX XXXX  I made a purchase of XXXX in XXXX XXXX. 

I had a Google Play balance from a gift card of XXXX. 

When you have insufficient GP balance it shows the GP balance and the card you have chosen. ( If you click through to the payment menu it will show the box is check marked. If this box is unchecked the GP balance will no longer show on the payment confirmation screen. ) Exceptions with this are when the card transaction will be under a certain dollar amount ( I believe it's {$1.00} but could be {$5.00}. Definitely is not as high as nearly XXXX as was needed to complete this transaction. ) I completed the transaction believing everything was fine. Upon reviewing my accounts later I discovered they had charged the full amount to my card. 

When I complained ( at about XXXX the following day ) they asked me if I checked the box. And while I noted that it acted as it always did when the box was check, i did not double check the box was checked. ( Which is part of the CONFIRMATION screen, and XXXX tap purchase. Its not exactly one tap if you have to double check the payments selected are actually selected ) had I not had the box checked, the dollar amount would not show on the confirmation screen. Which I confirmed that it still works this way with screen shots to the tech. 

Tech then said there was nothing they could do since it's not their error but organize a refund with the App and that they'd help negotiate it but that it was up to the app. Well. This app DOES NOT do refunds. They certainly would not do a refund for their PAYMENT PROCESSORS error.

Google refused to do anything stating to click the box is the future. A : there is no way to click the box any harder B : there has never been an issue with this type of payment split in the past. 

The tech implying it was my fault is an egregious breach of trust. Especially with the context that I HAVE made this error in the past which is why I KNOW it was not mine now. While I don't double check the second screen, I know how their payment feature works. I have made much smaller charges in the past in the same manner. This is the first time I made a big one. 
To list something as if they're going to charge and then not charge it because I didn't click through ( on a 1 tap buy screen ) just to double check seems to be an extremely shady, if not edging on illegal, practice. ( Pretty sure charging an amount one did not agree to and then refusing to fix it is theft but I could be wrong as I have not dug in to those particulars. ) I am attaching the screenshots I provided to Google with payment types blacked out. As noted I have successfully split payments before, and to be specific, I have done so with this particular merchant. 

I do have the chat log but it would take too long to sanitize at the moment and I'd prefer to sanitize before I share.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one credits auto pay system failed and i missed not one but two payments, ive never missed a payment before, it also dropped my credit score XXXX points I didnt receive any calls text or emaile about even the first late payment and i only discovered this after the drop, also their app feature has had me locked out of my account for two years and I must make a new password everytime which probably leads to why I'm not getting notified.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-08-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (NM)

Back in XX/XX/2021 I tried doing a cash out refinance with my home and the appraiser discriminated and appraised my home at a very low price while we were at all time highs. All my neighbors properties appraised at a very high price. My home is the most updated home in my complex and is a penthouse but appraised as the lowest price at the complex. When I brought this up with the appraisers office they totally blew me off. Im a 100 % completely XXXX veteran that they took advantage of because of my skin color. I fought for my country to be treated like a 4th class citizen. My cash out refinance was denied by the XXXX XXXX loan because of this situation and wasnt able to pay off my debts. This situation put me in a horrible financial situation.
Consumer complaint received 2022-11-18
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-02-12
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: AMERICAN EXPRESS COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex and XXXX XXXX XXXX The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (MS)

Attempted to pay my payment online on XXXX XXXXXXXX XXXX. Payment would not go thru - said payment type not accepted and the amount appeared that i had not paid XXXX bill Tried again this am to pay online - same troubles - payment type not accepted ( debit card ). Since there was no warning at all that debit cards were not accepted - called SLS- the holder of the loan Called and 1st agent could not explain so I was transferred to XXXX in the XXXX section - he stated that the XXXX of XXXX was applied and the new payment was due XXXX XXXX ( with a 15 day grace period ) and the new payment included the XXXX of XXXX payment, which is not yet due. XXXX was unable to properly explain why a payment that was not due was due and it was not stated anywhere on the payment form. XXXX did not accept that a debit card is the same as a check and was attached to a checking account- they apparently want a checking account number in lieu of a debit card. I relinquish significant protections by not using a VISA number. I spoke harshly to XXXX about his not knowing a debit card is the same as a check i.e. a bank account number and was promtly hung up on 1 ) My XXXX payment was not correctly added to the current billing statement and made it appear that i was in arrears 2 ) The amount due was not properly reported in a manner that was understood by a typical user 3 ) A payment using a debit card is useable if over the phone but not if paying online with no notification of that fact 4 ) A demand of payment should be what is typically acceptable and not demand of a {$7.00} or {$12.00} charge to speak with an agent 5 ) Payments in advance should be clearly stated and not be demanded unless new terms are signed 6 ) This company has run me over the coals and i will no longer accept shoddy service
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a statement in XX/XX/2022. It said the account is suspended but to make a payment of {$180.00} to reinstated. I went ahead and made a full payment. Capital one did not reinstated my credit card. I called them and the lady XXXX stated that there was a letter sent in XXXX stating that if the payment is not paid by XX/XX/XXXX then the account will be closed. I explained to XXXX the letter was not received. I live in Florida by the end of XXXX beginning XXXX we had went through hurricane Ian. XXXX stated the letter was mailed on the XXXX and I explained with everything going on I never received it. The XXXX statement was sent XX/XX/XXXX. By sending the letter with a due date of the XXXX of XXXX and then sending a statement with a due date of XX/XX/XXXX and indicating it will be reinstated. XXXX should automatically oversee whatever the XXXX letter stated.