davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I used my CapitalOne Visa credit card in XXXX to contribute to an " XXXX '' campaign in exchange for a " perk ''. The perk was a drone that arrived in XXXX. Unfortunately, the drone did n't work, it was dead on arrival. I tried to work with the drone manufacturer, XXXX, via phone and email. XXXX agreed that the product was dead on arrival, but XXXX refused to provide any repair, exchange, or refund. 

I asked Visa to dispute the transaction and Visa provided a tentative refund on XXXX XXXX. Visa reversed the refund on XXXX XXXX and asked for additional documentation to support my claim. Visa received XXXX pages of emails and testimonials from me on XXXX XXXX. Visa sent the following letter to me on XXXX XXXX XXXX : " Hello XXXX XXXX XXXX We have received your documentation and will continue your transaction dispute investigation. We may contact you with follow-up questions, but until then, no additional information is needed. '' I called Visa on XXXX XXXX to check the status of my claim. I spoke with XXXX XXXX XXXX XXXX XXXX and he assured me that the documentation was in order, that I needed to allow at least 10 business days, and he added a note to my case stating that I was available by phone and email in case anyone had any questions or needed any additional information. 

I called Visa on XXXX XXXX to check status and was told that my claim was denied. I was transferred countless times ( agents XXXX, XXXX, XXXX, etc, etc, etc ) and put on hold for hours as I tried to learn what had gone wrong. Every agent I spoke with agreed that XXXX admitted in writing that the drone was dead on arrival, but that is not sufficient proof that there is a problem with the " perk ''. 

Visa did n't follow their own procedures and Visa denies they sent me the above letter ( it 's on CapitalOne letterhead, copy available upon request ). XXXX agent actually told me that there 's no place for common sense in this process. 

Visa makes it easy for bad merchants to take advantage of well intentioned consumers. Visa creates a moral hazard for all of us when they intentionally delay, and ultimately deny, refunds for defective merchandise.
Consumer complaint received 2016-07-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

With the help of a XXXX certified housing counseling agency, I submitted a complete loan modification application to the servicer of my mortgage, Rushmore Loan Management Services. Eventually, the servicer provided a letter dated XXXX XXXX, 2016 acknowledging that my application package is complete ( attached here ). But then I received a letter saying that the servicing of my loan will be transferred from Rushmore Loan Management Services LLC to a different company effective XXXX XXXX, 2016. 

I do not think this is right. Rushmore 's first letter acknowledging my application says they will have a decision within 30 days. So they should decide about my loan modification before transferring the servicing. It would not be right for me to have to start all over with the process. Rushmore already created unnecessary delays that have caused me to get further behind.
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (NY)

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Code 15 1681, and its privacy provisions in connection with my account number XXXX. On XX/XX/year>, I sent a promissory note via certified mail outlining the terms of payment for this account. In the promissory note, it was clearly stated that during the repayment process, no negative information, including late payment history, should be reported to any credit bureaus. 

Despite this agreement, it has come to my attention that XXXX XXXX XXXX has reported late payment information related to this account. This action is in direct violation of the terms outlined in the promissory note and the following provisions of the FCRA : Unauthorized or Inaccurate Reporting of Consumer Information : Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are obligated to provide accurate information. Reporting late payments contrary to the terms agreed upon in the promissory note violates this statute. 

Consumer Rights to Privacy : The FCRA ensures the protection of consumer credit information. By reporting late payments without cause, XXXX XXXX XXXX has breached the privacy protections provided to me as a consumer under the FCRA.
Consumer complaint received 2024-10-12
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. (MI)

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filled out a application for Capital One on XXXX XXXX for Capital One they pulled my credit and then contacted me and said I needed to fill out another application that they did not have my social security number so I reapplied and another credit report was pulled. XXXX has already fixed the problem. XXXX and XXXX need to remove XXXX of the hard pulls each like XXXX did. It was Capital One Fault that this occurred. The records will show this. XXXX is on the reports according to XXXX. 
Thank You XXXX XXXX
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had all my inquires that were removed with the TranUnion Data glitch a few weeks ago. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec XXXX which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. 

XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX SAVINGS BANK XXXX/XXXX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CARD
Consumer complaint received 2024-10-12
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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

Experian Credit Bureau reinserted a previously deleted collection on my credit report without my knowledge or without contacting me in any way. The reinserted collection account is : XXXX XXXX XXXX XXXX Account # XXXX.
Consumer complaint received 2024-10-12
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. (HI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-07-12
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (CA)

While working with this lender I have been facing many obstacles from the beginning. The disclosures were not correct when they initially sent them to me with all the incorrect information from what I was sent and they told me to sign them regardless which I knew was not right to begin with. Secondly, I have yet to receive a loan estimate which I have requested a total of 5 times to reflect the accurate amounts and totals. I am given a " fees worksheet '' which is not what I asked for and nor does it provide any of the necessary information I had requested. The loan processor keeps loosing all of my personal and sensitive information that I have provided to them. The loan office, XXXX, refuses to return any calls or e-mails and I also feel discriminated against because he only choose to talk only to my husband and not to myself especially because I am the primary signer. This company has been sending me in circles with this loan process and consistently lacking in customer service on top of it.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NATIONWIDE ACCEPTANCE LLC (GA)

On XXXX XXXX, 2016, I contacted Nationwide Southeast LLC to inquire about a letter I received over the past weekend from Nationwide Southeast LLC about my payment being past due. They informed me my {$210.00} payment was due XXXX XXXX, 2016 and now I owed $ XXXX.+ due to a past due amount. I informed them the car I purchased XXXX XXXX, 2016 was involved in an accident around XXXX XXXX, 2016 and the car was a total loss. I paid the payment in XX/XX/XXXX knowing the insurance claim would not have been processed by the payment due date. The insurance company sent a payment of $ XXXX.+ They confirmed they received that payment on XXXX XXXX, 2016 and it " went towards the balance, '' however, I still owed for the " payment due. '' I asked why the insurance payment was not used for a payment that would have been due XXXX XXXX, 2016. They stated it went towards the balance, but I still owed the payment due amount. I asked again why the insurance payment would not go towards both a balance and payment due. Of course it was a circular conversation at that point. 
I am filing a complaint because they are concrete in their explanation and it does not make sense to have a very much reduced balance that is not considered to have sufficed for the XXXX XXXX, 2016 payment. I called today to ask for a breakdown of how my payments have been used to pay against the balance. They stated they had to mail it to me because it is not their policy to email or fax that information. This will cause more interest to accrue against me. I do not mind paying the payment, however by the end of the month the GAP claim should provide the remaining balance to be paid and I am concerned that if I over pay, I may not get a refund in a timely manner or in the amount that would actually be due back to me. 
My view is that a reasonable resolution would be for this to not reflect negatively against my credit, and for the payment due on XXXX XXXX, 2016 to be considered the $ XXXX.+ amount sent by the insurance company.
Consumer complaint received 2016-08-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

When I currently have a house loan thru Carrington Home Mortgage and for the past year it has been a constant battle with this Mortgage company from not applying my payments correct to flagging my account as a bankruptcy ( which I have never have filed ). I recently decide too go ahead and refinance by house loan thru another company which is offering a better interest rate. Carrington has been roadblocking in which way possible for me on to access the information on line to provide to the new mortgage company. I have made several attempts and spoke to over XXXX supervisors at Carrington promising that this bankruptcy issue would be removed and the statements would be recreated and sent to me and as of today XXXX/XXXX/2016, it have been over a month, and not received the information that I need to proceed with my new loan. I am XXXX and XXXX man this issue is causing health issue because of the stress. I need you help to help me with th abuse this company is placing on me.
Consumer complaint received 2016-08-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I received, yet again, a letter XXXX/XXXX/XXXX from Specialized Loan Servicing requesting proof of insurance ( which they already had on file ). I went to the expense to fax and send certified mail on XXXX/XXXX/XXXX the discharge of my first mortgage - since they already had both proofs of insurance. I received another letter from SLS on XXXX/XXXX/XXXX requesting proof of insurance ( which they already had on file ). I, again, went to the expense of faxing and sending certified mail on XXXX/XXXX/XXXX. I then received a letter from SLS stating that they purchased insurance on my behalf and were charging my account {$950.00} and another {$140.00} for insurance that they had no right to purchase in the first place as they already had copies of both insurance policies on file since XXXX XXXX. I have been harassed by this company every year for proof of insurance which they 've had on file. XXXX and XXXX always send copies of dec pages to mortgage holders. Every year they try to purchase insurance on my behalf and charge me an outrageous amount. In New Jersey, it is illegal to force a consumer to purchase more insurance than necessary.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

I have a Macy 's credit card. I paid off my balance on XXXX XXXX, 2016 and then was charged an interest payment on XXXX XXXX, 2016 XXXX {$2.00}. I tried to use my card on XXXX XXXX at a Macy 's store but was informed that my card did not work. This was embarrassing. I called and found out that my account had a balance of {$6.00}. I went online to view my account history and saw that I was being charged {$2.00} a month in interest on my XXXX balance account since XXXX. I sent in an email requesting that they remove the interest fees and asking why I was being charged interest if my balance was XXXX. As of XXXX XXXX, I now have a balance of {$8.00} on my account. Macys credit card is continuously charging interest on XXXX account balances and revoking customer privileges from using their card due to them trying to get more money from their customers. This is a form of UDAAP. because it is unfair for the company to charge customers fees on XXXX account balances.
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Prince Parker & Associates (FL)

I am the third party. This company called me regarding my sister 's debt that I have no connection to at all. When I called them to tell them that they could not call me regarding my sister 's debt they asked for more information including phone numbers etc. They told me that they could not help me and to have a good day because they were a call center. I told them that they are in violation of the FDCPA and they could not contact me again. I told them I would report them and they hung up on me.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Protection Association, L.P. (FL)

I get a collection account under my name with XXXX. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.
Consumer complaint received 2016-08-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MA)

We purchased a car at a XXXX dealership who arranged financing with Wells Fargo Dealer Services ( account XXXX ). The rate was a high one because of a previous bankruptcy. At the time of buying the car, we provided proof of insurance from XXXX XXXX ( Pol XXXX ). Shortly thereafer, we received a notice from WFDS that they needed proof of insurance and provided the website XXXX to upload proof. We did that. A month later we received a notice saying that WFDS would going to mandate insurance on our loan. We called the number listed. I presumed it was WFDS. Spoke with a representative who assured me that everything was in order and if there was a problem, they would call. No call was forthcoming. A month later, we received our WFDS loan statement. The amount of the loan was increased to cover the insurance. 

I called WFDS today ( XX/XX/XXXX ) to complain. Both the representative and his supervisor said that they could n't help and specified that a separate " division '' ( their word ) handled insurance verification. I pressed and found out that the " division '' was actually a separate company, XXXX XXXX. I pressed further and found out that this is also the company that provides the mandatory insurance. I called XXXX XXXX and they said they could n't help me because their system was down. 

I am quite suspicious about this whole arrangement. WFDS is being deceitful by calling it a " division ''. That supposed " division '' which handles insurance documentation has EVERY INCENTIVE to lose the paperwork and force the coverage on us. I did a quick Google search and found this is not uncommon. 

We provided proof of insurance at least four times : ( 1 ) At loan origination, ( 2 ) uploaded to their site, ( 3 ) called and spoke with a representative, and ( 4 ) our insurance agent submitted it. I am asking the CFPB investigate to see if this is a predatory practice being perpetrated on subprime borrowers who typically lack the resources to fight back against it.
Consumer complaint received 2016-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC. (NJ)

I told Premier Credit on XXXX/XXXX/16 they called me at work and to stop calling me at work. They admitted on the phone that I told them this yet I have a log of them calling 13 more times at work. They are not allowed to do this and it is harassment. I will be filing a law suit against them
Consumer complaint received 2016-05-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My APY on my money market account with Santander changed from 1.25 on my XXXX/XXXX/XXXX statement to 1.10 on my XXXX/XXXX/XXXX statement to .75 on my XXXX/XXXX/XXXX statement. I received no notice or notification about the change in my APY nor authorized the change with Santander or agreed to it. This is highly concerning to me as this is a violation of Banking regulations and warrants a complaint. I did try reaching out to Santander customer support and they gave me no written excuse. Instead they told me to call a customer support number which I did and sat on hold for XXXX minutes and could not hold any longer. I think it is ridiculous that the Bank could not respond in writing. I believe this Bank is treating its customers Unfair and are being deceptive about their business with its customers. I would greatly appreciate the CFPB and the regulator of Santander to perform an exam of this Bank and identify all its control breakdowns and deceptive acts and other potential regulatory violations.