davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (AL)

My complaint is against BBVA Bank in XXXX, AL. 

There was an error/type o in my XXXX mortgage payment. My bill pay sent {$830.00} instead of my regular payment of {$830.00}. ( XXXX cents short ) BBVA rec this payment on XX/XX/2020 but did not apply it because it was short. They should of called me ASAP. They waited 2 weeks to contact me about this. BBVA waited till it was 15 days late so they could hit me with a late charge and they did. {$30.00} Why did they hold my payment almost 3 weeks then hit me with a late charge? They could clearly see it was an error or type. I sent them {$830.00}, it was XXXX cents short, really???????? 

I was contacted on XX/XX/2020 for the first time. They should of contacted me on XX/XX/2020 when they rec my payment. They saw it was XXXX cents short but waited 2 weeks to contact me? You know why, to charge a late fee! 

The collections rep that called on XX/XX/2020 even said the late fee would be waived since it was an error. But now BBVA has stated in a message online the late fee stands. This is total XXXX and a UDAAP volition. I am never late. I have a very high credit score. XXXX I work at a XXXX. BBVA could of called me the first week and got this cleared up. No, they decided to hold the payment then hit me with a late fee. I want this late fee removed! The is Unfair, deceptive and abusive practices.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Allied Collection Services, Inc. (Nevada) (NV)

I moved out of my last apartment ( XXXX XXXX ) XXXX XXXX XXXX in XXXX XXXX, XXXX  and never got any information regarding my deposit and when I went to return my keys I was informed that I owed {$300.00}. They were not able to provide anything and I left the apartment better than I arrived so there was no reason to take my deposit let alone have a balance owed. Fast forward I check my credit report and see a local collection company ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX  is trying to recover this debt, but I still haven't heard from anyone via mail, phone or email. So I have been disputing this for months now to no avail.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (FL)

Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$8300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Unsecured Payment summary XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Closed. 
Status updated XX/XX/XXXX Original balance {$8300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 53 Months Company sold DIVERSE Original creditor - Comments Purchased by another lender Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I noticed on my most recent credit report that a mortgage late payment was reported for XX/XX/2019. 

However I gave pre-notification to the lender due to my income payment scheduling my mortgage payment would be sent towards the end of the month each month and I was insured it would not be an issue. Prior to the late payment of XX/XX/2019 I gave the lender notification my mortgage payment would be a couple days past due on the following month due to a payment error from my employer and the lender again further insured there would not be an issue. My correspondence with the lender was all done by phone other than the letters I sent them. 

The result of this single late payment ( which I gave pre-notification ) resulted in a major negative impact on my credit report dropping my credit score XXXX points. Aside from this unforeseen and unavoidable circumstance my mortgage payment record had remained unblemished. 

The negative impact on my score caused further financial hardship preventing my ability to refinance the mortgage to lower the payment which could have lessen the financial hardship. Furthermore I was also in the process of applying for a Small Business Administration ( SBA ) loan to purchase a pre-existing cash flow positive small business. The negative impact disqualified my approval of the loan. This in effect would have additionally strengthen my financial position as a reliable and dependable mortgage holder. 

I have since called the lender for a goodwill one time removal of the late payment. I have written them a letter for a goodwill one time late payment removal. I have sent a few dispute letters asking for the late payment to be removed. And I finally sent a XXXX attempt letter asking for a show of goodwill to please remove the late payment especially during this historic national and global pandemic crisis. 
I informed the lender if the late payment can not be removed as a show of goodwill I would send a complaint to the CFPB being I have made several attempts to have the late payment removed. 

The mortgage lender is Lakeview Loan Servicing and my mortgage account number is XXXX Thank you, XXXX XXXX
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

We closed on a mortgage for our cabin with XXXX mortgage, in XX/XX/XXXX. We put down 10 %, so the amount of the loan was {$270000.00}, with a value of {$310000.00}. Post closing, the loan was sold to NewRez. 

In XXXX of XXXX, I called NewRez to inquire how to go about removing the PMI charge ( XXXX month ) from my account. I was told on the phone that the XXXX had to be lower than 80 %, then PMI would be canceled. In XX/XX/XXXX, I submitted a one-time principal payment of {$28000.00} to bring the XXXX below 80 %. 

In XX/XX/XXXX, I noticed that the PMI charge was still on my account. I called back, and was told that I needed to submit a request in writing ( via fax ) to cancel the PMI, which I did. 

The company responded to me via a letter in XX/XX/XXXX that stated that I would need to submit a check for {$750.00}, so that they could conduct a valuation of the home to determine that the value has not decreased. I was confused about this, and called to discuss. The customer service rep stated that the PMI would be automatically canceled at 78 %. I was very close to this amount, so I submitted an additional one-time payment of {$500.00} in XX/XX/XXXX. 

In XX/XX/XXXX, the PMI balance was still on my monthly statement. I called to ask, and they stated that PMI is only canceled below 78 % based on the ORIGINAL payment terms -- that additional payments do not matter, and I would still need to submit an additional {$750.00} for a property valuation, then they can assess if the PMI can be canceled. 

My complaint is that NewRez has been very misleading throughout this process. At least two different call center reps have confirmed that PMI would be canceled if I submit additional principal payments, which I have done. Now I find out that even though I have submitted additional principal, I STILL have to submit an additional {$750.00} for an additional valuation. Given that the initial valuation was done 18 months years ago ( and the homeowners market has only increased! ), this feels like an unnecessary expense that is designed to keep people paying PMI charges. I am very hesitant to pay this charge, since it seems like if I do, there will be another trick around the corner, and then I will be out the PMI charge PLUS {$750.00}. 

In addition, in all of these dealings- NewRez is intentionally hard to communicate with. Communications are only over the phone - so there is no record of what they told me. When I needed to submit a request in writing, this had to be done via fax. Who has a fax machine anymore?!? Then they respond via a letter several weeks ( or months! ) later, which is intended to delay this process further. Their refusal to use email to communicate indicates that they are trying to avoid a paper trail on their practices. 

Thank you for your attention to this matter. 
XXXX XXXX
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX-21 I had a deposit of {$19000.00} from sba for my ppp loan the bank deducted a little over {$1500.00} for overdraft fees and then they froze my account now I can't access it at all, how are they allowed to access my money and I can't? I'm close to loosing everything, I sent in all the required documents and still nothing I've called every number associated with capital one and I can't get anything they will give me a time frame or anything I really need help please all I've been able to get from capital one is bullying its heartbreaking the amount of sympathy they give when your going through such hardship
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

XXXX scammed me for {$1000.00} on XX/XX/22 for payments required to receive a payment owed to me for furniture sale. I contacted Wells Fargo that same day and they opened a case. 
I received two letters on XX/XX/22 that were dated XX/XX/22. One letter said Wells Fargo would continue to try to assist me with resolution of the issue. The other letter said Wells Fargo was unable to stop or reverse the funds and they are closing the claim. I contacted Wells Fargo the same day the letters were received. They said they created a claim with XXXX last XXXX for refund from the financial institution. I continued to monitor my account for reimbursement but didnt see any reimbursement and hadnt received any communication from Wells Fargo XXXX so I called again on XX/XX/22. Wells Fargo said they didnt have an update.
Consumer complaint received 2021-07-14
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: Bread Financial Holdings, Inc. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OR)

ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get Navient to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the XXXX ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (CO)

I contacted Experian online to dispute Hard Inquiries that were on my report. I did not recognize them and I asked them to investigate the issues. The investigation took 2 days and with no result. I find it difficult to believe Any investigation was done.
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now XXXX won't even let me dispute this. Thank you.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri 's identity theft and fraud protection laws.

It has come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri state law, specifically the Missouri Merchandising Practices Act ( RSMo Section 407.020 ), protects consumers from deceptive business practices, including unauthorized reporting and identity theft. Missouris identity theft laws also emphasize the severe penalties associated with the unauthorized access and misuse of personal information ( RSMo Sections 570.223 and 570.224 ).

I assert with certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights under both federal and Missouri law, resulting in potential damage to my creditworthiness and an undeniable disregard for legal requirements.

I demand that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri law. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under both federal law and Missouri 's identity theft statutes.

This is not a discretionary matter, but a legal obligation under these specific sections of the FCRA and Missouri law. I expect CREDITACPT to promptly rectify these violations and respect my rights under both federal and state regulations.

Done in good faith
Consumer complaint received 2019-04-13
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. (AZ)

see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

We made a mobile deposit XXXX XXXXXX/XX/XXXX. It was a student loan refund for my son who is XXXX and we have XXXX We have deposited funds from him before. I neglected to have him sign. Hold was placed on deposit which we were not advised about until the next day. Spoke to XXXX branch XXXX when advised and she told us we needed to have our son come in with ID to sign a XXXX party release. Did this XXXX XXXX XXXX XXXXXX/XX/XXXX received email that account was locked due to fraud and no access to any funds. Called fraud line and was advised had to go to branch to resolve. Went to branch and teller advised XXXX too busy to discuss and would have to wait until XXXX  or could wait indefinitely to see if XXXX would see me today to resolve. No resolution as of yet.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (CA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/ 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft and Transunion has ignored my issues. The law of 15 USC 1681b-Permissble purposes of consumer reports states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I sent Transunion a dispute letter, copy of government issued state identification, copy of social security card, and FTC identity theft report on XX/XX/XXXX demanding deletion of accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( open date XXXX ) XXXX XXXX ( open date XXXX ), and XXXX XXXX ( open date XXXX ). 

Also, the deletion of inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MS)

My XXXXXXXX XXXX XXXX was stolen and charges were made on the account i did not make. the address they claim the items were sent to was not my address and the name it was sent to was not my name. my name is not XXXX XXXX and i did not live in the United States in XXXX  Synchrony Bank rudely accused me of the charges and had nothing to back up there claims. They are refusing to remove the fraud charges on my account and want me to pay for something i did not buy.. no one should have to pay for something they did not buy but Synchrony Bank seems to be leave you should even if you didnt make the charges. Synchrony Bank has been making frivolous accusations on customers for years. after doing my own investigation i found out that Synchrony bank had done the same thing to over XXXX card holders. that its so bad they have a 1 star rating.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I am trying to switch my natural gas provider who does credit check with experian. So I request a temporary credit unfreeze via their website. It gives me a single-use PIN that does not work and my gas provider is not able to do a credit check. I tried to call them but it takes me thro an automated message system that does not help ; i tried their web site again and that does not help. Finally both methods ask me to mail the information with supporting documents via snail mail to some experian address. 

The web site or FAQ 's does not provide simple steps/information on how I can unfreeze my credit - and phone numbers take you thro ' a loop with a whole bunch of automated messages that are counter intuitive - at least it failed in my case. At least for such cases, I should have an option of getting it touch with some human being. 

The credit agencies should provide a simple straight forward process/procedures, either via web sites or a phone service with option to speak to a customer service representative to resolve issues promptly. If they can not do that, they should not be in the business of holding and managing consumer credit matters.