davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (MA)

We have been a member of the Discover credit card company since XXXX and have never had a late charge payment. We have a XXXX line of credit with them which has never been used. Yesterday we were notified of a late fee of {$27.00} and an interest fee of {$5.00} based on a claim that the company did not receive our last payment of {$310.00} which we sent on XX/XX/XXXX ahead of schedule. 
We received a phone call notifying us of a non-receipt of payment for the above on, XX/XX/XXXX and a new bill showing the charges on the following day, XX/XX/XXXX. During the phone call we repaid the bill plus charges from our bank account to settle the dispute. Why did Discover wait nearly a month to inform us of the non- payment when obviously they knew about it earlier? 

During the call we reviewed our 27 year history of prompt payments, offered a carbon copy of the paid check and relayed the information that the handful of bills sent at the same time were received. 
Could it be that Discover was trying to eliminate us because of low volume of activity in our later years and the nuisance of using the mail? 

Attached please find a copy of the original paid bill, a carbon copy of the payment check and a copy of the new bill. 

Thank you in advance for your help.
Consumer complaint received 2024-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: STANDARD MORTGAGE CORPORATION (LA)

On XX/XX/2023 I paid my XXXX mortgage payment. Standard mortgage incorrectly applied those funds to my escrow account. I reported the error. The company refused to fix the error. XXXX XXXX XXXX, was very disrespectful and racially discriminatory during our meeting ( which I recorded ). On XX/XX/2023 I made an additional payments that exceeded both XXXX and XXXX mortgage payments. I have reached out to the company 2 times to get a clear explanation of how funds have been applied and requested corrections. I was told several times I will receive a call from XXXX ( VP of customer relations ) and XXXX ( collections manager ) neither has called but a late payment had been reported to my credit report. XXXX refused to give me a business card, NMLS  number or identify himself in any way other than to say hes the boss.
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

Creditor has forward several letters stating that payment was not made to them, to submit proof payment, which has been provided to them several times. Proof of payment has been digital copy of check payment. Receipts from store location showing full amount of the transaction and bank statements showing payment was made to close the balance on the account. We have every letter receive from Comenity Capital Bank.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-23
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: Credit Karma (CA)

Just received a notice from XXXX XXXX that a hard inquiry was made on my credit that was unauthorized by me. The agency was XXXX XXXX XXXX, made in XX/XX/2019. Since I have wonderful credit, this will take 2 years to go off my credit report and lower my score. I don't believe that a company can make a hard inquiry without letting me know about it. And since I already have XXXX XXXX XXXX, and have had them for 2 years, why should they make a hard inquiry anyway?
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I am a member of the XXXX XXXX  XXXX settlement class. Per this settlement, Mohela, my federal student loan manager, must discharge the qualifying loans and fully refund me by XX/XX/scrub>XXXX XXXX XXXX. They have been unable to meet this deadline. 

Mohela has been unable or unwilling to commit to a financial total or a timeline in this process. While I appreciate their request for patience, this is a bank that has failed to meet a settlement deadline. The outstanding total to me is approximately {$55000.00}. 

I have made multiple attempts at recourse throughout the settlement period with Mohela. Including multiple hours of hold times and multi-day waits to speak to supervisors. While some staff are trying to be genuinely helpful, I frequently interact with staff who are, at best, ignorant and, at worst, dishonest. 

I acknowledge that multiple entities are involved ( Mohela & FSA ). I am also aware of ongoing legal action by XXXX XXXX on Predatory Student Lending. 

There were consequences for delinquency at every step of my student loan repayment journey. These delays are an opportunity cost.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address and SSN Card.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 I took a taxi from XXXX XXXX to downtown XXXX ( about 14 miles ). The fare was {$61.00}. The driver was having problems with his credit card machine so he made me pay with XXXX. So I paid through XXXX and asked him for a receipt. I received a text message receipt from XXXX with the correct fare of {$61.00}, charged at XXXX eastern. That night, I noticed that my credit card had been charged {$660.00} ( so he had added extra '6 ', overcharging me by {$600.00}. When i called Chase Bank, they said the charge was pending and to call back once it posted if it was still incorrect. The next day, the charge posted for {$660.00} so i called to officially dispute the chargeXXXX Two days ago ( XX/XX/XXXX ) Chase called me and said that the driver provided " proof of service '' for the {$660.00}. I then sent Chase my XXXX receipt and they said they couldn't accept it as proof because, at the very bottom, my receipt said, " paid in cash ''. However, I did NOT pay in cash. I clearly paid with my credit card ( you can tell by the vendor name and timestamp of the receipt and charges to my account ). The driver produced a fake receipt claiming that I took a " round trip to and from XXXX New York ''. I have never been to XXXX NY and I can prove that I flew into JFK that night, which is where he picked me up. Chase would not listen to any of this and would only restate that the merchant " provided proof of service '' and that I could try to resubmit the dispute but the outcome would not change. They refuse to help and just blindly accepted this fraudulent receipt from the driver instead of listening to any facts or logic about the dispute. So Chase is helping this driver get away with ripping off passengers, but refuses to support their long time customer.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

On XX/XX/2023, I ordered a XXXX reformer from XXXX XXXX XXXX. I canceled that order three days later and was charged a {$150.00} cancellation fee. I was also charged {$55.00} for shipping but was reimbursed that amount because nothing ever shipped. The merchant provided a screenshot to my credit card company of my shipping address. They did not provide a tracking number or proof of delivery. My credit card company informed me that I submitted information beyond the deadline to resolve this dispute even though Ive been emailing and calling them weekly since XX/XX/2023. I supplied them numerous times with the information they asked for.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 XXXX5 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

1. There is a late payment showing for XX/XX/XXXX, I was in forbearance. 2. XXXX representative provided incorrect email address repeated it twice, forms were sent to that address. XX/XX/XXXX, another representative called and provided correct email address and conflicting information causing forms to have to be re-sent and updated. 3. I was struggling with payment amount in XXXX, told that I was 75 days late And that they did not report late payments until 90 days, misled about them wanting to prevent negative reporting to the credit bureaus and that I would be placed into natural disaster forebearance as I live in wildfire territory. This forebearance was supposed to cover XXXX XXXX XXXX. They in return reported the late payments and later acknowledged that I was in natural disaster forebearance until XX/XX/XXXX. There is email proof and representative XXXX and supervisor XXXX on XX/XX/XXXX and nd representative XXXX and supervisor XXXX on XX/XX/XXXX. 4. There is a late payment listed for XX/XX/XXXX, at which time I was also in a natural distaster forebearance, as supported by email and acknowledgment by representative XXXX in conversation on XX/XX/XXXX and representative XXXX and supervisor XXXX on XX/XX/XXXX. 5. They are reporting to XXXX that I pay XXXX per month which is negatively impacting my debt to income ratio. 6. I have been struggling with repayment and was never notified about any forgiveness programs until XXXX, at which time i would been more than eligible for the public service forgiveness program as I have been work g in XXXX XXXX for 8 years. 7. They never offered to consolidate loans until XXXX. 8. They sent me a letter on XX/XX/XXXX starting that they didnt have to investigate my dispute and that no updates were made to the accounts yet they did, as they changed the date that loans were first reported from XX/XX/XXXX to XX/XX/XXXX. They did this with ill intent, to purposely negatively impact my credit score, and to stop me from disputing the accounts. I have 8 accounts, so 56 late payments although the loans are now consolidated, are killing my score. 9. When logging into my account on XX/XX/XXXX, my balance shows XXXX, yet they are reporting 120,000 plus to all credit bureaus which is having a negative impact as well.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC (AZ)

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/2020 after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/2020. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in Loancares processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the CARES Act. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the CARES Act.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I paid my balance in FULL on XX/XX/2020, and they did not credit my account until XX/XX/XXXX. The bill was due on XX/XX/XXXX, a holiday. 

I have a ten year history with this company of making on time payments. That means that 120 Payments were made, and they were never late. 

I made the payment in FULL in anticipation of having XXXX on XX/XX/2020, KNOWING I WOULDN'T be dealing with financial issues. 

Because of the vendor mis-crediting my payment as late, they charged me a {$40.00} late fee on a {$0.00} balance. 

As stated, I had XXXX in late XXXX and did not receive my mail, including this {$40.00} late fee. 
Vendor acknowledges that based upon my history they WOULD refund this fee. 

HOWEVER, I did not contact them, until the following month, at which point, they charged me a second {$40.00} PLUS INTEREST, on a {$0.00} balance. 

After spending an hour and a half on the phone, vendor REFUSED to reverse all charges, and holding me XXXX for the {$40.00} payment, saying they would reverse the one if only i paid the second by providing my bank account information. 

I explained that if the ORIGINAL {$40.00} late fee was reversed, there would be no cause for the others, as the balance on my account was XXXX. 

Again, after speaking to several people, including someone who claimed to be a supervisor, they refused to help me. 

At present, they continue to attack my credit, and have racked up additional LATE FEES and interest on a XXXX DOLLAR BALANCE. They are now claiming that I owe them {$140.00} due XX/XX/2020. Starting with NO BALANCE, they have progressively continued charging me more and more each month.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (UT)

In early XXXX I began the process of refinancing my mortgage. The old mortgage company, Zions Bank, confirmed that they received funds and marked the loan as paid in full on XX/XX/XXXX. The old mortgage had a positive escrow balance in excess of {$8500.00} that needs to be returned. As of today, XX/XX/XXXX, I still have not received the refund for the funds held in escrow. After speaking to the mortgage company onXX/XX/, 30 days after they were fully paid off, I was told by them that they prepare a check for the refund at 20 days after the loan is paid off. They said that they need 16 days for the check to be received by me. They have not told me how much the refund is only that they mailed it on XX/XX/XXXX. After I mentioned the CFR regulation that I believe applied in this instance and which they did not appear to be compliant with, I asked them to escalate the matter and to put me in touch with their legal department to inquire why the refund had not yet been provided. They had a customer service person contact me onXX/XX/21instead of someone who could address my specific inquiry but he said that refunds were not his department and he would have to ask that the matter be escalated and would get back to me soon. 


From what I can tell by reviewing information on your site, 12 CFR 1024.34 mandates that the refund should have been returned within 20 days. It was not. I contacted the bank and asked them to speed up the process or deliver the funds by directly depositing them into the account that they required me to set up at the bank to allow for automatic payment. They say they are unable to transfer the money and can not wire it either. It appears as though the bank is trying to use my money as long as possible before returning it. Even the notion that I should expect 16 days from the time they mail a check until I receive it is preposterous. The bank does not give me the option to make my mortgage payment 16 days after its due date to account for mailing time and it should not be afforded that additional time either.
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TX)

I am not sure which department I need to speak with. My mortgage is with Wells Fargo they have made a mistake and put deferred for a full year I went to look at my credit score and seen it on there on my account that messed with my credit score and plus I am trying to refinance my house. Even though I have proof a letter from Wells Fargo that my payments been on time and not late should had not should deferred because thats something I never agreed too. How do I go by this that it need to be clear to tell credit beaus as well. I have spoken with over 5 people at Wells Fargo giving me the run around and different answers to the solution. Yes they sent a letter showing the removed it but this should had never been done it the first place.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmeriCollect (FL)

Americollect amongst other companies have been repeatedly listing two charges on my credit report from 2014 in an attempt to reage this even after Ive told them that I do not owe it. I do not know this company and Ive never given them consent to release any of my medical records.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.