davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Borrowed money back in XX/XX/2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (NC)

My mortgage loan was transferred from XXXX XXXX to Specialized Loan Servicing. On XX/XX/2017 I made my first payment to SLS. Since then, they have not reported to the credit bureaus that I am a customer of theirs. I called them on several different occasions. They gave me a diffrerent answer to this problem each time. Ultimately, they said that they do not report until after the initial 60 days following servicing transfer of the account. Well, the first time I called it was within this window, so I waited. Each time I called after that they assured me that they would report and did not. I am currently shopping around for mortgage loans and by them not reporting, this negatively affected my credit report. When you pull both mine and my ex wife 's, who is also on the loan, credit report it shows no account for SLS. Just the closed account from XXXX XXXX. This is also negatively affecting my ex wife 's credit as well. It has been over 2 months since the initial 60 days have passed and they still have not reported us as their customers. All I want them to do is report our account to the credit bureaus, but they seemingly are refusing to do this either to incompetence or maliciousness. I have no doubt that if I missed a payment or stopped paying them, that they would report with haste.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Late payment being reported from XXXX contacted XXXX and was told they never reported a late payment ever purchased a cedit score from Trans union and the score must have reflected this ghost late payment
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXX-present and as early as XXXX.
Consumer complaint received 2018-03-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

I am living outside of the US and filed an application to switch to an income driven repayment plan for my US federal student loans. Since I am not federally required to pay income taxes in the US, I had to file by downloading and sending a PDF copy of the application form through my Navient account mailbox.

I filed this form three times - once in XXXX, again in XXXX and for a third and time in XXXX. In XXXX the application was rejected due to a missing signature, and in XXXX it was not accepted because I needed to attach a note on currency exchange rates ). In XXXX - after checking several times with customer service representatives that the documentation was in order - I called to confirm that my third application was being processed. The automated Navient system told me that it was in progress. 

At the end of XXXX I received a payment due notice, but my plan had not been adjusted. So, I called Navient again. This time I was told that my application was rejected because I was using an old application form which had been out of use for a year. This was not flagged to me previously and it took Navient nearly three months to alert me to the issue after my third application was filed. Now, after nearly six months of forbearance while waiting for the request to be processed, my loans have come current, with capitalized interest on top of the original loan amount. I now have to file again, and wait another 30 days for a response.
Consumer complaint received 2018-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX at around XXXX XXXX, I visited the Santander Bank Branch at XXXX XXXX, XXXX XXXX, NY XXXX and used the ATM machine to make a {$440.00} deposit. I put the money into the ATM but no money was credit to my account. The ATM showed that there's an error and please try later. I immediately contacted the bank clerk at the branch and called their customer service, and they provisionally gave me a {$440.00} provisional credit. 
However on XX/XX/XXXX, Santander sent me another letter saying that they've completed the investigation and no errors was found, and they are gon na take the money away from my account again in a few days. I don't know what to do, because it is a large sum of money for me, and I have to seek help from CFPB.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for the XXXX Chase card using a signup offer on XXXX. The signup offer stated there is a {$50.00} statement credit after the first purchase. Yet Chase is denying me the {$50.00} credit on the grounds that I did not book a hotel at the time of signup. This prerequisite is not made clear anywhere on the offer page or in the offer details. I have attached screenshots which clearly show the offer terms do not mention a hotel booking as mandatory to receive the statement credit. It is misleading to bait people in with a signup offer and then disqualify them for a reason not listed anywhere in the offer or fine print.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A request was submitted to Capital One asking for a goodwill removal of a 30 day late payment. I believe this company is being " unreasonable '', I offered to submit pertinent documentation as to why I was late ( medical reasons-XXXX ), the response given to me is unacceptable, Capital One cited the FCRA will not allow them to do so.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Equifax. I recently reviewed my credit report, and I noticed some inaccurate information. I made Equifax aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, Equifax sent me a letter ( FORM D ) only addressing one of two debts as valid. They did not address the other account I had disputed, and also did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). Equifax received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so should be deleted. In response, Equifax sent another letter addressing all of the debts ( FORM H ). I found that one of the accounts I disputed had been deleted, but other accounts were showing results of validation. Equifax still never sent me proof of such validation or any of the physical documents in my file that I had requested. 
Equifax is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they have not provided me with the physical proof of what they used to verified these accounts, they must all be deleted. 

Thank you for all of your help, XXXX
Consumer complaint received 2018-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (ME)

IN XXXX of 2017 I was encourged by a co worker to go to XXXX XXXX in New Hampshire as my co worker 's son was a sales person at this dealership. I had just turned XXXX years old and had no knowledge of how to buy a car or secure a loan on my own. I did not know what a good interest rate was, what it means to have a consigner and on and on. A couple of months later my car was vandalized and I came down with XXXX. As. XXXX XXXX I needed my car for work and was unable to drive the vehicle any longer for safety reasons. I was also not able to XXXX any longer as I could not afford to register the car. I was not aware that as a resident of the state of Maine I would have to pay the taxes I " saved myself '' by purchasing a vehicle in NH. Given the XXXX I was not able to work " inside '' tXXXX XXXX  for a week. This caused my to be behind financially. I started to recieve calls from XXXX XXXX ( the company my car is financied through ) and it was at this time I realized that something must be off with this loan. I had my mother call Exeter with me to explain the terms of my loan " I had no paper work on hand ''. I learned that my interest rate is 27 % over a course of 72 months, that it is a simple interest loan and I am being charged a fee of {$10.00} a day for each day that it is late. That $ XXXXday does not increase my payment but it does take away form the amount of my payment that is applied to the principle. I am also being charged a 5 % late payment fee that does increase my monthly payment after being late 10 days. On the advice of my mother and with her assistance I am writing this complaint. A 27 % interest rate sample loan for a vehicle is AT BEST PREDATORY and can not be legal? I was 100 % taken advantage of by the finance department at the Dealership. XXXX XXXX should be locked away for charging this type of rate for a loan and then adding astronomical late fees! It is obvious that this company preys on people with poor or no credit, they never intend for me to be able to pay off this loan, they are making more profit off the backs of people with little resources.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To CFPB We previously reported to you concerning Bogus addresses on my Experian credit report, both myself and our attorney contacted Experian in an honest attempt to clean up my report. As you know from my prior conversations with you on the phone I have suffered from XXXX and my doctors are concerned about the stress this type of behavior coming from Experian is having on my health. We therefore, request CFPB to recheck your data base as you have previously done to see if you are at the point of taking major action against Experian as they are still being disobedient to Federal Law. 
First of all, when we realized that there were old addresses on my report that are obviously not deliverable via the U.S. Postal Service we requested Experian to remove them, but instead what they did was to duplicate them with bogus unit numbers which do not exist, Experian knows they don't exist but put them on my report anyway, this is deceptive trade practice on the part of Experian and they need to cease this behavior according to my attorneys. 
Secondly, I have never lived in XXXX XXXX yet Experian is reporting that I have, I've only driven through that city maybe four times in my life and I certainly have never lived there no more than I lived at those addresses they are listing on my report, I certainly have not. If this goes to court, and it certainly looks like it's going to, Experian had better be prepared to Prove conclusively with evidence that I did, but i'm not worried because I have never lived at those addresses.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a credit card with Capital One in XX/XX/XXXX. From the start, the card was set up so that the full outstanding balance at each month was automatically taken from my Savings account with Capital One 360. 
This happened every month until XX/XX/XXXX, when Capital One failed to make the monthly transfer and then charged me a past due fee of {$25.00} and interest of {$100.00}. A further interest charge of {$4.00} was taken by Capital One on XXXX XX/XX/XXXX, relating to the same Capital error. 
I wrote to Capital One of XXXX XX/XX/XXXX requesting that these fees were reimbursed. There was no response. I wrote again on XXXX XXXX and received an email asking me to phone them because they did not have all the information! 
I phoned them on XXXX XXXX and they agreed to refund the past due fee but refused to refund the interest charges. They accept they made an error but refuse to compensate me for all the charges from their error.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (TX)

I had a membership with XXXX XXXX for baked goods and candy delivery to my home. I returned the items they are trying to collect for and do not owe this company but they are still trying to collect and have added this collection to my credit report.
Consumer complaint received 2018-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: COMMERCE BANK (MO)

On XX/XX/2017 commerce bank sent me a letter stating that they had projected my escrow a account incorrectly my taxes and insurance went up XXXX  dollars each they dropped the ball and didn't adjust the difference in my payment to escrow also I paid in XXXX and they disbursed XXXX which leaves XXXX they said they're was only XXXX left which is incorrect then I've had them for several years and never a problem with escrow now they said I am XXXX short on my escrow and I either need to pay the amount in 30 days or pay and extra XXXX dollars a month on my mortgage which Is ridiculous my wife is XXXX I work full time but we are on a tight budget I can not afford this big of a change in payment
Consumer complaint received 2018-03-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (OR)

Awarded property in Divorce. Trying to refinance eight years since XX/XX/XXXX. 
Ex husband a Sheriff placed " cease & desist '' with Fay Servicing. XXXX. XXXX ... to stop this firm dealing with myself. Judge in Oregon awarded property to my son and I. We have lived here, custom built home, 11 years. Sheriff 's Dept seized once. XX/XX/XXXX. I hired lawyer. Sheriff 's Dept trying to seize again XX/XX/XXXX ... .. FORTY THREE DAYS. 

LOOKING AT FBI, or lawsuit perhaps. Fay Servicing will not return calls, emails, XXXX. Sent direct message to CEO today. XXXX XXXX
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MA)

After trying to use " XXXX '' to access my XXXX XXXX XXXX, I keep receiving a message as follows " XXXX is blocking you from enabling external applications ''. I can not access my account through Trim.com. After a call to XXXX to fix this problem to access my account, they were unable to fix the problem. After approximately 50 minutes on the telephone with XXXX and after speaking with 5 representatives, there is no resolution and XXXX can not access my card with XXXX. XXXX has not fixed this problem.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018, I discovered that my recently ordered Bank of America ( BOA ) debit card, with a MasterCard logo, was automatically charged {$24.00} by XXXX, but without my knowledge or consent. Although XXXX  did not have my debit card 's new account number, I was quite devastated when they were still able to charge my new bank card. This odd transaction had prompt me to quickly contact Bank of America to hopefully try to resolve this issue. Within my 1 hour & 20 minute recorded phone call with a very unprofessional woman named XXXX XXXX ( BOA Customer Service Representative : XXXX ), I eventually learned that I was enrolled into a BOA Account Updater VISA-MasterCard program. According to XXXX XXXX, this BOA program would automatically update my XXXX  merchant account with my new bank card information, but only when I chose to order a new bank card with a new account number. Unfortunately, when I asked XXXX XXXX to immediately " cancel '' this highly corrupt and unfair program, I was shockingly told that I did not have the authority to do so. XXXX XXXX also implied that when I initially signed my BOA debit card agreement, I unknowingly " waived '' my right to cancel this program and I automatically gave XXXX and any other merchant the authority to apply new charges to my new BOA debit card account.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have inquiries on my credit reports that were not made by me. On XX/XX/XXXX  I sent a letter along with a FTC affidavit regarding another account and the request for the removal of the inquiries not made by me. 

They were not removed. Now I have recently mailed out with a return receipt a FTC affidavit package requesting again the removal of the inquiries on my credit file.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

Our account was overdrawn XXXX by regions. I check my account Daily via mobile app and online website. I checked my account on Monday XX/XX/XXXX and I had a low balance but was not in the negative with no pending transactions shown. Showed that I had two transactions for XXXX purchases that had already posted and cleared at that time. Fast forward to the next day and I had a check come in that I didn't have enough to cover perfectly fine I would take that XXXX fee. Then suddenly the two previous debit transactions go back into pending and bam two more NSF fee then I had enough deposited to cover the one check and NSF until they decided to charge me even more NSF because of a transaction that was done prior to the overdraft occurring in the end I'm out XXXX in NSF with a XXXX child at home requiring medical equipment and my lights will be cut off at XXXX XXXX   today. When I called regions I was told that transactions maybe held 3 business days in pending then they can be placed back in your available balance and can be reposted for up to 180 days after. I was never informed of this and also was never informed that I could opt out of overdraft on debit transactions only we were told you could only opt out if you choose both debit and check Transactions be declined for overdraft protection. Regions is robbing the poor blind and they have no remorse they don't care that innocent children will be sleeping in the cold tonight with temps below freezing as long as they make millions off of people. I don't understand how this is even legal to allow transactions to post how they see fit to gain a dollar rather post in the order the items were done. Do not bank with regions unless your ready to go bankrupt. They even took donations for my son for his XXXX XXXX  that was deposited to my account for NSF fee 's.