davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

I get paid twice a month. I paid my mortgage two months ahead and then began sending 1/2 of my monthly mortgage in every time I got paid. My Mortgage company will not post the partial payment until a full payment is received. This practice allows my money to benefit them and does not effectively reduce the principal and subsequently lower the interest I have to pay. Their practice also does not allow me to pay my loan off sooner than 30 years, due to their posting practice. I called and asked why and was told if I would sign up for Budget drafting I would benefit and my payments would be posted upon receipt. I mistakenly believed the auto drafted payments would be posted upon receipt but they are again waiting for a full payment to be received before they post it even though I am ahead of my scheduled due date by several months. 

My Bank is not allowed to do this so why is a mortgage company allowed to? This is unfair and to me and ( in my opinion ) is deceptive. I called again today ( XX/XX/2017 ) to see if I could remedy the posting issue and was told they were allowed to post it that way because I had signed up for budget billing. I told them the ONLY reason I signed up was because they told me that I HAD to if I wanted my payments posted upon receipt. This is a very bad practice and it is deceptive. The payment history also shows " payment applied '' however the payment is placed in my " syspense account '' until the next auto debit is taken ... this is misleading and a false statement. I am a single, mature ( XXXX ), XXXX female and wonder if a man would be treated the same way? They dismiss my concerns as unimportant and still wo n't give me the courtsey of a return call on the process and acknowledge that by holding my payment and not applying it when received cost me additional interest.
Consumer complaint received 2017-10-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ACS Education Services (NY)

I have for the last XXXX months been working to secure a forbearance or deferment for my institutional loans and XXXX loan, due to no avail. I can not reach anyone at the XXXX servicer, ACS Education. When I do try to contact ACS, they defer me to one person at XXXX who seems to work once a month and never gets back to me. I have repeatedly explained that I am currently unemployed and can not make payment on my loans and it is important to me that they not go into default. I continue to be given the run-around by both XXXX and ACS as to this matter. I believe that what they want is for the loans to default, so they do n't have to deal with it anymore. I had an employment deferment for XXXX and simply asked them to renew this for this year. There seems to be no quick solution to this and I do n't understand why -- it 's such a simple matter. The loan servicer for my federal loans, emailed me the forms they needed and gave me the choice of emailing or mailing them back. Those loans have been securely in deferment. Also, XXXX has refused to put my loans into a temporary forbearance while they continue to insist that I work with the neanderthals at XXXX who never get back to me, or respond to me in writing. Again, I believe this is intentional so they can refer the loans to a collection agency, instead of working hard to help former students. This is predatory and unjust. Now I log onto the ACS website today and I do n't even see record of my loans.
Consumer complaint received 2017-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (KY)

PayPal signed me up for a credit card without my clear consent. I read a report by the CFPB in 2015 about the same kind of event. They allegedly signed me up for a credit card automatically when my PayPal account could not cover a cost. They never reported the credit card inquiry to any credit bueruo. When I notified the company about this they said that they did not have to report it. They have been incurring late fees on it since it has happened. They refuse to clear the debt despite me not having signed up for the credit card.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CO)

On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XX/XX/year> From XXXX XXXX XXXXXXXX For XXXX and XXXX I went into the store to purchase a watch, the one that was in my budget was only online. They offered to ship it to me in Florida. After telling me I they don't want to ship it to me in Maryland. They did not want to provide the tracking of the shipment. I never received it. I received a call from the manager on a unknown number that was later traced back to the store. They told me they would help and solve it. They did not. I reached out to XXXX XXXXhey said only the shipper can file the claim for the watch. Come to find out they do not want to do that at all because they only insured it for {$1.00}. They have not given me a refund since I received nothing or even a replacement. M y bank had all of this information and did nothing to rectify this.
Consumer complaint received 2017-10-10
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. (NC)

I am submitting this compliant in regards to the numerous efforts of faxes and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with XXXX, XXXX, and Experian in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to XXXX, XXXX, and Experian the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.
Consumer complaint received 2017-10-10
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: Experian Information Solutions Inc. (FL)

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XXXX/XXXX/XXXX, # 2- XXXX XXXX/XXXX/XXXX, # 3-XXXX XXXX XXXX XXXX/XXXX/XXXX, # 4- XXXX XXXX XXXX  XXXX/XXXX/XXXX, # 5- XXXX XXXX XXXX/XXXX/XXXX, # 6- XXXX XXXX XXXX/XXXX/XXXX, # 7XXXX XXXX XXXX XXXX/XXXX/XXXX, # 8- XXXX XXXX XXXX/XXXX/XXXX, # 9- XXXX XXXX XXXX/XXXX/XXXX, # 10-XXXX XXXX XXXX/XXXX/XXXX, # 11XXXX XXXX XXXX/XXXX/XXXX, # 12- XXXX XXXX/XXXX/XXXX, # 13- XXXX  XXXX/XXXX/XXXX
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XX/XX/XXXX # 2- XX/XX/XXXXXX/XX/XXXX, # 3-XX/XX/XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX  XX/XX/XXXX # 5- XXXX XXXXXX/XX/XXXX, # 6- XXXX XXXXXX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX XX/XX/XXXX # 9- XXXX XXXX XX/XX/XXXX, # 10-XXXX XXXX XX/XX/XXXX# 11-XXXX XXXX XX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXX XX/XX/XXXX
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX To Whom it Concerns, Regarding : Card Benefit Services, Bank of America Benefit Claim number XXXX Incident Date : XX/XX/XXXX My appeal on an insurance claim on a car rental was recently denied. 

Due to an error on the part of XXXX XXXX XXXX, my claim under the Collision Damage Waiver Benefit was  previously denied. The error has since been corrected and I was therefore able to appeal. 

In short, I was denied in the first place because the credit card insurance only covers rentals 15 days or less. XXXX was instructed by me on several occasions to cancel my first car rental contract of the XXXX XXXX on XX/XX/XXXX ; Rental Agreement XXXX ( Exhibit A ) and open a new car rental contract for the XXXX  ; Rental Agreement XXXX ( Exhibit B ) beginning XX/XX/XXXX through XX/XX/XXXX. Their error in neglecting to do as agreed ( Exhibit C ), thereby lumping these two car rentals into one rental contract which you previously received ( Exhibit D ), made it appear there was only one car rental contract, for over 15 days. 

After a very arduous process on my part of explaining the error and providing evidence to support my claim of error on their part, XXXX has acknowleged their error and corrected the contractual errors and provided me with ammended contracts ( exhibits A & B ) which demonstrates my / their intent to rent the vehicle for only 15 days. 

If you would like to read further supporting documents to shed light on the extenuating circumstances of this process, please see the letter I wrote to XXXX requesting they correct their contractual error ( Exhiibit E ) and circumstances which caused the delay in my closing the first contract due to fraudulent activity on my ( only ) major credit card and my attempts at getting a replacement ( Exhibit F ). 

I hope you will see clearly that I am in fact due to have this appeal granted and payment processed on my claim. 

Please call or email if you need anything further from me. 

Best, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Violation of UDAAP - due to Unfair and Deceptive Practices : - My credit card was Paid in Full effective XXXX/XXXX/XXXX, resulting in a credit balance of {$24.00}. 
- I followed up with CapOne to determine the amount of time it would take to process my refund check ; I was told 30 days. 
- I allowed CapOne over 30 days to process my refund. At the end of XXXX I had still not received it, so I called to follow up. I spoke to XXXX who indicated the refund was in process, and I should receive it the week of XXXX/XXXX/XXXX. 
- I did not receive it that week, nor the following, so called back on XXXX/XXXX/XXXX. I was again told it had been processed and that I should be receiving the check any day. 
- My address was verified with each phone contact ; but as of yesterday, I still had not received my check. I called once again. I first spoke to XXXX, who again verified address information. XXXX could not assist me with the status of the check. I was told I would need to be put on a TEN MINUTE hold to await another party to assist me. 
- When I mentioned a potential complaint to be filed with the CFPB, XXXX immediately put me in touch with XXXX. XXXX informed me my account was closed. Yes, XXXX, I know that. XXXX had to again verify my address, but had no solution to resolving my issue other than to 'Check with your Postal Carrier '. 
- I reminded XXXX that I continued to receive statements from them at my home address. I assume they used the same data field for all outgoing communications. These communications would be sent First Class Mail - so if there were any issue with my address, the envelope would be returned to Cap One for a bad address. 
- I asked XXXX if they could do an ACH refund as opposed to a check. ( I was told in previous conversations they 'do n't do ACH transfers '. XXXX said perhaps they could - put me on hold again, and then transferred me to XXXX. 
- XXXX did not have any sense of my evident level of frustration, and did not 'tread lightly ' with what was now an irate customer. I was put on Hold again. 
- By this time I had been on the phone for 45 minutes, still without a resolution to the issue of the refund check. I waited another five minutes and finally hung up. 

I have now spent hours on the phone with this company, and am still awaiting my refund.
Consumer complaint received 2017-10-10
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. (NY)

On XXXX XXXX, XXXX a company called XXXX XXXX had pulled my credit thru major banking institution without my permission. When alerted by credit karma and life lock on the XXXX, I immediately approach the dealer to investigate and feed my question. I was told after speaking with sellers that a young man came in by the name of XXXX and said he wanted to finance a XXXX car by infinity. My name is XXXX. So they said the young man told them that his so called father was away in Texas and then proceeded to put this person on the phone. They said the person said they were me and gave my social and that was enough for them to pull my credit XXXX different times. No i.d in front of them with the person there and they said it gave them enough to pull the credit
Consumer complaint received 2017-10-10
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: COMMUNITY CHOICE FINANCIAL, INC. (ID)

Someone had fraudulently opened a personal loan in my name at Cash Central, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX XXXX and XXXX Cash Central had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from Cash Central. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.
Consumer complaint received 2017-10-10
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: BBVA FINANCIAL CORPORATION (TX)

After sending several emails and leaving even more voicemail ( s ), I have yet to get the hard inquiries from Compass Bank removed from my credit report. I have a total of ( 5 ) There 's no way I filled out the same application 5 times. This is not me, I 'm not sure if my credit is ran by default to check updates on my report, I 'm not sure but I would n't apply for Compass Bank, I 've been with XXXX XXXX XXXX for almost 2years, this cant be right. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-10
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: DISCOVER BANK (NC)

Discover Financial Services continues to report to XXXX and XXXX an alleged debt even though XXXX reports the last payment date as XXXX XXXX, XXXX. 
No payment have been made on this account since XXXX XXXX, I did however file a complaint with the CFPB in XXXX XXXX Case number XXXX ) and Discover credited this alleged account for a portion of the credit protection program premiums I had paid. XXXX failed to honor this program and I declined their offer to credit the amount they offered. They credited it anyway and then closed the account on XXXX XXXX, XXXX. They also sent a XXXX for XXXX and I paid taxes on the alleged debt. 
No payments were made on this account since XXXX and it is well past the 7 year time period and should be removed from my credit reports. 
I sent XXXX a letter on XXXX XXXX, XXXX asking them to remove this alleged debt from my credit reports but they have declined to do so. 
Thank you for your help. 
XXXX XXXX
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-10-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial (IN)

I have a loan with XXXX. I hired XXXX XXXX XXXX XXXX to consolidate my payday loan debt and I pay them no weekly to do so. XXXX XXXX, XXXX XXXX has been calling my cell and work stating that he is representing XXXX to collect the debt. XXXX contacted XXXX and they still have the account and are settling for a lesser amount. The amount XXXX is asking for does n't match what XXXX   states the balance is either. The man has called my work 6 times in 2 days.
Consumer complaint received 2017-10-10
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. (NY)

I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX