davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a Capital One credit since XXXX. On XX/XX/XXXX I made a credit card payment electronically directly from my Capital One Checking account into my Capital One credit card account. XX/XX/XXXX I personally went to the CAPITAL ONE bank branch at XXXX XXXX XXXX XXXX XXXX and withdrew {$100.00} from the Capital One ATM inside the bank branch then went directly to the Teller window and paid the {$10000.00} toward my credit card. That was a total of {$700.00} paid on XXXX XXXX. My credit card due date for my credit card payment is the XXXX of each month. My {$700.00} a day before my schedule monthly payment date. For two { XXXX } days I saw no reflection of my two ( 2 ) credit card payments. I called the Capital One Bank and spoke with the credit card department and asked about my two ( 2 ) credit card payments totaling {$700.00} on XXXX XXXX?? the Credit card department told me on XX/XX/XXXX that I had insufficient funds and my {$600.00} electronic payment from checking account was returned. On XX/XX/XXXX I had {$2500.00} wired to my checking account. the next morning I had the {$600.00} electronically deposited into my credit card account. Capital One bank charged me interest and a late fee for XXXX, XXXX then again late fee and interest fee for XXXX. Capital One says they did not post my payment until XX/XX/XXXX. I paid my credit card ahead of schedule with more than sufficient funds in my checking account. Capital One could not have [ possibly returned my {$600.00} if I had insufficient funds that's a blatant lie they refused to acknowledge that my payment was made on XX/XX/XXXX. Capital One has extorted me for late fees and interest two ( 2 ) months, ( XXXX & XXXX ) in succession. Capital One now continually calls me about my overdue account. Capital One bank has fraudulently charged me late fees and interest charges.
Consumer complaint received 2022-03-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (NJ)

I got a Debt verification letter from Vance & Huffman with account balance {$490.00} from XXXX XXXX as the original creditor. They attached a letter from XXXX XXXX with higher amount. 
Due to discrepancies and inaccurate information on amount due from both side XXXX Vance & Huffman and XXXX XXXX ) I called Vance $ Huffman and request that the information need to be removed from my credit reports asap but the agent said it can't be done.
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

Issue - There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR 1026.13 ) And as a result of the above, we request full accounting per GAAP as set forth in the Uniform Commercial Code that shows the accounting, and any credits related to the account to ensure that there has not been any credits issued to any persons without their knowledge but have not been appropriately reflected or disclosed, against any account, prior to continuing to make any payments, that way we know the specie in which any agreement, or promissory notes were converted to so we can make payment in that same specie. 
PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. - This was originally requested on XX/XX/2022 and has still not been provided. 

12 CFR Part 1026 - Truth in Lending ( Regulation Z ) : 1026.4 Finance charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ( 1 ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. - You violated Regulation Z by not including the sum of all charges in the Finance Charge As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations Opportunity to Cure 1. Rescind the transaction 2. Release any interest in the property 3. Bring this account balance to {$0.00} 4. Return title of vehicle 5. Lawful return of all past and prior payments made in the sum total of {$15000.00} within 7 days If you fail to respond in good faith and according to the above criteria, it will be deemed a tactic by your acquiescence that no offence took place and that all parties to mean you and your principal or other parties abandon all demands upon me.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act Convergent. 
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 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
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

XXXX XXXXXXXX XXXX has engaged in a patern and practice of making false claims in response to notices of error. 

* With regard to a large principal payment I submitted at the end of 2021, XXXX XXXX XXXX failed to timely process the payment and delayed application of the principal amount for ~20 days ( while continuing to charge interest on the principal balance ). I filed a complaint with the Texas Deparment of Savings and Mortgage Lending. Resolution was negotiaed between myself, the regulator, and XXXX. XXXX acknowledged to the regulator over the phone that an error had occured and mailed me a {$50.00} gift card to compensate me for their error. However, despite acknowledging error to the regulator and providing me compensation to offset the error, XXXX later sent a letter dated XX/XX/XXXX FALSELY stating " no service errors occured. '' *More recently, XXXX XXXX XXXX missaplied funds included with a XXXX XXXX month end payment. I sent a notice or errors and XXXX  re-applied the funds. But, again FALSELY stated that " no service error occured. '' More specifically, XXXX falsely alleged that no payment instructions were included on the payment coupon ( there were in fact payment instructions indicated on the payment coupon ). But, more importantly XXXX failed to provide any copy of the payment coupon upon which thier determination that no error occured was based. Per 12 CFR 1026.36 ( e ) ( 4 ), XXXX has a duty to provide the borrower copies of documents used to reach a determination that no error occured. XXXX has not complied with this requirement.
Consumer complaint received 2022-03-13
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: Rocket Mortgage, LLC (IL)

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of Rocket Mortgage. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that Rocket Mortgage is unaware of the " Cares Act ''.
Consumer complaint received 2022-03-28
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: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/XXXX I submitted a complaint to the CFPB complaint # ( XXXX ) to advise of a Navy Federal charge off thats reporting on incorrectly my credit report. The following account was charged off as of XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this is also falsely manipulates the statue of limitations. Navy Federal responded back to the complaint stating on XX/XX/XXXX Navy federal noted a discrepancy in the payment history and the date of last delinquency And have sent a request to the credit agencies to update the information correctly and they also advise the update could take up to XXXX. Today I reached out to XXXX and spoke with XXXX the supervisor in the dispute department and she advised there was not a request sent by Navy Federal or any other company for an update.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account 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
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (TX)

I received my letter of pre-approval from XXXX on XX/XX/XXXX. After putting offers in on XXXX different home and losing out to cash buyers, in XX/XX/XXXX my realtor suggested I try new home construction. My realtor informed me that lower did not do loans for new home construction and I applied through the builders preferred lender and was approved. I received a call from the lender at lower stating that they could do the loan. So I choose lower over the preferred lender. The process continued on smoothly up until the evening before close XX/XX/XXXX. I received a call from the lender about a loan that was paid off back in XXXX that was still showing up on my credit report and my ex-husbands credit card where I am an authorized user. I contacted the bank they sent a letter stating that the loans were paid off in XXXX and I have no active accounts with them. I asked my ex-husband to pay off his credit card and he obliged and sent in the receipt of payment. I received another call saying that because it is stated in the divorce decree that I could have the home even though it is completely unlivable because it flooded out during the winter storm of XXXX of XXXX and I told my ex-husband he could keep it. He is also on the deed, the title and the mortgage. I have never taken ownership of the home nor do I plan to. After I explained this to lower they refused to accept it. What they did choose to accept is that because my ex-husband did not start paying child support until XX/XX/XXXX that they could not use that as income bringing my dti down. They stated it was not stabled enough to count even though it is in the divorce decree that he has to legally pay child support and even after my ex-husband gifted XXXX in back child support and he gifted XXXX of that to the title company as good faith they stated they still could not use it. My issue with all of this is it was done on the day of close leaving little to no option for me to do anything else.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Solomon and Solomon, P.C. (NY)

I utilized a PR person XXXX XXXX XX/XX/18 and he did not full fill services on contract and thus we canceled the work. He then hired a debt collection firm, XXXX XXXX Solomon of Solomon and Solomon, whom filed a lawsuit but never notified or me nor served me papers in regards. I never even received anything from the court itself. Since then they have been sending threatening information subpoenas to my clients and banks positioning themselves as the State Of NY Supreme Court. These tactics are completely sneaky and underhanded.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a member with this company for about 7 years and have not received approval for credit limit increases.I have great payment history with them and feel like i've been discriminated against even though I have had multiple increases in my salary since started a relationship with this firm. I have received multiple adverse action letters from this company! while I have 2 accounts from them!
Consumer complaint received 2022-03-22
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. (FL)

My name is XXXX XXXX I am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft i've contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identity-theft which told me that was not true so Im resend my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 8 years i recently spoke to Experian Identity Theft department they told me my credit file may been mix up with someone else that they would fix it! still haven't seen changes!!! I sent In My ID, SSN, BILL to prove my identity Credit Reporting Agencies ( CRAs ) must delete and block fraudulent /inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Venmo money app I have been using this app for about 2 years at least, without any issues or problems. 
Recently ( XXXX ) my account was overdrawn and frozen. 
I found out, all the transactions were from a friends account that had been hacked. 
So venmo withdrew every single transaction that my friend had sent me overdrawing the account and also charging fees. Unknowingly my friends sent me money via venmo XXXX $ and later XXXX XXXX And all this money as vanished leaving my balance at XXXX!!? 
I have tried 3 times to dispute by phone but they keep telling that they can only help through email. XXXX So I have been communicating back and forth for weeks without correction of my account. Initially They said paying the overdraft of XXXX would correct my account which XXXX of my money should have fixed but not they have taken all my funds XXXX the initial overdraws XXXX. 
So at this point I am at a loss as what to do. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I leased a XXXX in 2020. It was in the shop more than XXXX times for the same problem, so the vehicle went back under the AZ XXXX XXXX. XXXX XXXX paid me for the return of the vehicle. XXXX sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. Experian is still showing the account as open with a $ XXXX balance. XXXX gave me a letter to give to Experian to have the credit report corrected.
Consumer complaint received 2022-03-28
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. (MI)

In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX Members XXXX XXXX Michigan XXXXy XXXX XXXX XXXXt XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (GA)

Citibank has sent me a fraudulent check that I can not cash or mobile deposit. Citibank sent me a check in the amount of {$1200.00} from closed checking account # XXXX. I was on the phone today for countless hours with more of Citibank 's nonsense and poor customer service. Each rep tells me something different and places me on hold for countless hours, and even hang up. This account has been closed since early XXXX and why am I not able to take this check elsewhere and cash it This is my money that they are still withholding now from me only using a fraudulent check. 

One rep told me I wont be able to use mobile deposit for 90 days. One transferred me to a useless check verification system that kept hanging up. Everyone else has no clue and write their own story.

Again, this is fraud to give someone a check where they can't get their money. Citibank this ends now, all the games and ridiculousness.

I am getting in on the next class action lawsuit about holding/blocking people 's money, damages, and all these wild goose chases.

I was told I need to mail the check back in order to deposit it into my account ; why didn't they just refund the amount in my other account. There are no Citibanks for thousands of miles.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

I leased a XXXX in 2020. It was in the shop more than 4+ times for the same problem, so the vehicle went back under the AZ Lemon Law. Chrysler Capital paid me for the return of the vehicle. Chrysler sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. XXXX is still showing the account as open with a $ 10+K balance. Chrysler gave me a letter to give to XXXX to have the credit report corrected.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (ND)

The XXXX 's XXXX card has a promotional offer of 0 % interest on purchases at XXXX 's over {$500.00}. On the statement they have a section called the " Charge Summary '' that separates the transactions into the two interest rate categories. I have tried to contact them several times asking why I am still being charged interest after paying the amount listed in the " Balance subject to Interest '' column. They stated the balance is an average of the balance subject to interest. When I asked how am I supposed to know how much to pay to avoid interest charges, the man on the phone suggested I call and ask every month before making my payment because that amount is an average of the daily balances subject to interest. I called again a month later because again I was charged an interest charge after making a payment I thought was sufficient. This person stated I must take the " Balance subject to interest '' amount from the Charge Summary and add the minimum payment to find out the payment to make in order to avoid interest. This is a very very deceitful way to make money from customers. I should not have to do multiple calculations in order to determine my monthly statement balance and proper payment.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I accepted a job offer from an investment firm that seemed completely legitimate. Now, here I am almost {$10000.00} negative in my bank account. The company had me transfer XXXX from a savings account through XXXX XXXX XXXX that they called a corporate savings account in my name to my bank of america checking account. This was on XX/XX/XXXX. On XX/XX/XXXX, the amount showed as posted into my account and I then used the money to purchase bitcoin for what I thought was clients for this investment firm. Then on XX/XX/XXXX, I logged into the banking account and they had taken that original transfer back out after stating that it was available for use and after I had I used it. The company was working under the name XXXX XXXX XXXX XXXX Now, the website is closed and the email goes no where and I can not get a response from them. Clearly, I was scammed. I need help.