davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I haven't used my Capital One credit card for a while, after I paid the balance in full. Since then, which was almost a year ago, I have been trying to change my statement delivery settings to US Mail instead of by email, because I wanted to receive my statement in paper form so that I would not miss a payment. I have made many unsuccessful attempts to change my statement delivery method to US Mail since then, which seemed to be a simple action with every other financial institution. Because what I realized after trying many times, different days and different times of the day, using different browsers thinking that their website might not work with the one I have been using, Capital One deliberately created a glitch or malfunction of their website link that when you try to change your statement delivery preferences to US Mail, you get the following pop-up " We've Hit a Snag '' ( please find the screenshot attached ), meaning, sorry can't do. I would have not bothered to address this issue if this has happened once or twice, but I have been trying to change my preferences for months now and I got tired of it because I almost missed a payment due to not receiving my email billing statement because I had issues with my email address. I will actually contact an attorney to check this violation out. Consumers should be able to receive their billing statements the way they choose, whether it's by US Mail or email, and I have been deprived of that choice for a long time now, and I am sure, so did many others. Last digits of account number are in the screenshot for Cap. One to refer to and retrieve how many attempts I made over the time to change my preferences ( if they are willing to open a can of worms ).
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Bank said to repair a credit issue that resulted from health issues that I should create a credit card using my money to fix credit that went from XXXX to XXXX after loss of job due to health. They put my {$500.00} on a credit card from my personal checking account and created a company credit card. Once after several years I noticed that no credit repairs were made I stopped using the credit card. Later was charged {$39.00} twice on the card for late fees. They have never replaced my remainder of the money. The charges on the card were {$260.00} as of the XXXX statement. I did not see the XXXX late fee of {$39.00} because it seemed hidden on a back page. Now I receive rude calls that I owe them and when I have tried several times with many phone calls nobody has fixed this or given me my monies back. I feel I was lied to by the banker that wanted to sell me this card since it did nothing to repair credit. I later obtained a XXXX XXXX card and it has increased my credit score from XXXX to now XXXX. Why after paying this card with Wells could they not have told me the truth or helped me with the situation? I paid the card for many years and it never helped me in the least. Meanwhile I still get rude calls and a rude letter dated XXXX XXXX, 2020.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

I have two accounts with FedLoan Servicing that were opened when I started classes online. I was told by the school that FedLoan would contact me when I needed to begin making payments towards my student loans. I was never contacted by FedLoan when my payments began, therefore they were late. I noticed after checking my credit score in XXXX of XXXX that it showed I was 90-120 days late on my payments for both accounts for FedLoan Servicing. I contacted the company and told them that I was never notified of when the payments began. They asked me to confirm my information they had on file, and when I did they realized they mistyped my email address to which all the information was going to. They had set my payment notices to be sent to my email instead of my mailing address automatically. So in conclusion, I was not notified the payments had to be made because FedLoan made a mistake with my email. The person I spoke with on the phone admitted to this mistake and sent me a credit dispute form and set up my payments to begin again on XX/XX/XXXX of XXXX. After completing the dispute form, the company corrected the months of XXXX, XXXX, and XXXX, but refuse to this day to correct the month of XXXX, the month in which this whole problem was found and reported. I was told I didn't have to start paying until XXXX so I didn't see a need to pay for XXXX, as I was told all the payments that I missed would be added back to my balance. I was in the middle of building my credit score, to buy a house for my family, that started at XXXX and at the time was XXXX, when this hit my credit and knocked it down XXXX points. I explained to them the urgency in which I needed it to be fixed and why, and even after admitting they were at fault for having my information wrong, they still won't fix it and this one problem is still keeping me from buying a house.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lacy Katzen LLP (NY)

In XXXX I contacted the office of lacy katzen tool make a payment plan to settle a debt. I first was on the phone with one personWho kept repeating herself about a my financial situation regarding to my payment to the account in question. I told her you keep repeating yourself as if she was trying to make me feel bad about the situation.So calmly I ask can I please speak to someone else. When the other lady got on the phone I heard in her voice that she may have talk to the other person because her tone was very throw off-ish as if she did not want to deal with me. I remain calm cool and collected proceeded to tell her what was going on and then she made false statements about my income that I make. Also she claimed to know when I get paid as if I get paidAs other people with in the profession. They were very rude and very unprofessional and Im the one that caused them to try to set up some sort of agreement.
Consumer complaint received 2020-08-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I started the refinance process on XX/XX/2020. I talked with Mr. XXXX XXXX, NMLS ID XXXX, XXXX. I was told that all my papers were in order and I had a above average credit score.  Almost 4 months later I still have not closed. I have a existing mortgage with Mr. Cooper for the last 15 years. 

The last person I talked to was Ms. XXXX XXXX, Loan Officer, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX, XXXX. During the last 4 months I was told that my refi was held up due to COVID 19. My interest rate went up from 2.7 to 3.1 %. I was told by Mr. XXXX that he would work to get it back down to the original rate and the bank would have to pay the {$4000.00}. 

On XX/XX/2020 I was asked to send my bank statements with a header showing my name. I had already submitted bank statements 4 mths ago but now they say they need my name at the top for the underwriter. It has been delay after delay. I have been told that refinance does not usually take this long. 

I would like someone to contact these people on my behalf. I feel I am due some sort of compensation for all the stress that I have been under.P XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX Mr. Cooper Loan No. XXXX
Consumer complaint received 2020-08-26
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: EQUIFAX, INC. (CT)

my information was stolen and use to open XXXX XXXXXXXX auto FN account. i contact the credit company and XXXX XXXX and let each know but the account is still on my credit
Consumer complaint received 2021-12-03
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX. Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, AXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JDJ Investments, INC. (LA)

In review of my credit file, I noticed a debt in the amount of {$260.00} from CBS collection company with the original creditor being XXXX XXXX XXXX XXXX. I mailed a debt validation letter on XX/XX/20 through certified mail but have not received a reply from said collection agency.
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

On XX/XX/XXXX I made an extra {$2700.00} payment on my student loan account with Mohela. My bank showed this was debited via ACH. Mohela transitioned my account shortly thereafter, and no evidence of my payment was present. I called on 7/18 and a representative told me the payment would post within 5-7 business days. 

I called again on XX/XX/XXXX and after a lengthy hold was hung up on. I called again on XX/XX/XXXX and was told the wait time was now 30 days, with no further explanation. My payment still does not appear on my account, and I don't want to go through Mohela 's support line again just to be given another excuse and no firm evidence of a timeline for my payment to be applied. 

I'd like CFPB to get in touch and have Mohela, XXXX or whoever is holding my money hostage to confirm they have the ACH payment, and just apply my payment to my account like they're supposed to.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

Best Buy and CiTi card have interest charges that we have attempted to resolve with both entities. The companies failed to notify me ( the consumer ) regarding changes in promotional credit agreements. The companies claim they notified via letter and by phone, however have rescinded these comments and acknowledged they made an error ( no attempts were made to notify ). Additionally, the companies have claimed a cease and desist order was authorized by me ( the consumer ). At no time was this permission given. Again, the companies acknowledge the cease and desist was an error on their part. Regardless of stated error, Best Buy and Citi are unwilling to waive interest changes associated with a transaction made during a promotional period. I have never paid interest on any credit card in the 20 years of holding credit services. I expect and demand involvement from the CFPB to represent the consumer and hold these firms accountable.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

In XXXX, Home Depot offered me a Store Credit Card with a $ 50-100 reward upon initial purchase of $ XXXX within first 90 days of obtaining credit card ( XXXX ), I purchased various items totaling in amount of {$330.00} within two weeks of receiving the credit card. And I paid an amount of {$280.00} immediately as I received the first bill of {$330.00}. This amount was simply calculated the total Balance of {$330.00} minus the {$50.00} initial offered reward. Later in XXXX, I received another bill in Amount of outstanding balance for {$79.00}, which was stated being the remaining {$50.00} as an outstanding balance plus late fee charges. I called the Home Depot Customer service Dept & the matter I was told was taken care of and the mistakes corrected. Later I received Another Bill, this time for {$120.00} stating the initial {$50.00} balance plus repeated late fees mounting to {$120.00}. I called the Home depot Customer service again & the matter was again, ( I was told ) was taken care of. I asked for confirmation number. She told me simply her name to be used as confirmation code ( GUDRUM ) Later I called the CitiBank ( The bank behind the Home Depot Store Credit Card ) They clearly stated that the Store needs to correct the mistake & they can not be helpful to my case. During this two month, I have been writing emails to the customer Service Dept. at Home Depot ( Four Times ) AND YET TO RECEIVE A RESPONSE TO MY INWUIRY. 
I went to the store as I was told to do so by the Citibank Customer service Dept in the Store in XXXX, IL. They were on the phone with the customer service dept for an extended amount of time with no resolution. The Home Dept appears to be simply unable to correct their mistakes.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc. (OH)

I set payment arrangements with debt collector for {$600.00}. ( have never missed on my arrangement ) I have been paying {$100.00} every two weeks. the last payment off {$100.00} was to be paid on Friday XX/XX/XXXX. Today it is listed as a collection on my credit report owning XXXX out of XXXX dollars. this is unfair practices. no reason, no notice or anything. I explained to the collector I did not want this on my credit and agreed to paid in full.
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (LA)

company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Capital (CO)

This company calls from various phone numbers and they are very rude. They call my wife and harass her about a debt that she does not know about about. They talk with her about debt and confirm my SSN and info, which they did not check with me first. This guy tells my wife he is going to sue her and take everything and trys to scare her into paying. At one point my wife offered to make a payment, which her card was declined. She never received a call back to confirm payment. 20 days later this company calls from XXXX and they say they will seek legal action immediately. They called 3 times within a 2 min window. My wife asked for the operator ID of the person she was speaking too to write a complaint and the call was disconnected. This debt has disputed on my credit.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.