davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (PA)

I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX / XXXX XXXX.
Consumer complaint received 2018-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report.

The account being transfer from XXXX XXXX XXXX to XXXX.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I filed a complaint with the CFPB about a month ago concerning XXXX XXXX XXXX. I was told that nothing could be done because you were unable to contact the company. Since then the collection agency that is attempting to collect on their behalf has now started reporting two accounts for the same debt. I did break the leas for this apartment, but only after I spoke to the manager at the time. I inquired on what it would cost me to terminate my lease early and was told if I could leave by a certain date and if the apartment ws clean and move in ready there would be no additional charges as they had a new tenant waiting for an apartment. I have tried to contact both the apartment and the collection agency to find out where they came up with this balance and they have continued to ignore me and have added on an additional account to my credit report.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC. (AR)

This is in response to Arvests banks numerous and identical answers to my complaints about their violation of Regulation Es guidelines. There is a 60 day threshold. I was instructed to get this complaint and their answer through the CFPB by the Arkansas banking, the states Attorney General and the FDIC before they would be able to proceed. You keep saying my complaints are duplicates.
Consumer complaint received 2018-04-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Ditech Financial assumed my home loan from Greentree, who previously assumed my loan from XXXX. I have excellent credit that has been threatened by Ditech representatives for their gross negligence. In XX/XX/XXXX, I made a payment of {$1400.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I later noticed that my payment had increased, therefore, I made an additional payment of the difference of {$86.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I wanted to make sure that they received their payment by the cutoff of their late due date of XX/XX/XXXX. However, I was sent a letter with a late fee charge of {$40.00}. The difference was paid before the cutoff, therefore, there should be no late fee. I then made my XXXX payment early because of issues stemming from XX/XX/XXXX. I was informed during that time that my payment was late because it was received after the first of the month. I spoke with several different representatives, whom were all demanding of an unwarranted late fee, and finally spoke with a belligerent manager. She said the same thing ... 'your payment was received after the first of the month, and it is therefore late and you are being charged a late fee '. I was threatened that I would be turned over to the credit bureau if I did not resolve " their '' issue and pay a penalty. Therefore, I started paying earlier than usual. However, since I made two payments in XXXX of XXXX, they decided to apply the early XXXX payment towards principal. Therefore, I have been assessed with a monthly late fee of {$40.00}, that is now equivalent to {$160.00} per their misconception in paying my monthly payment a little early so I could avoid these preposterous late fees. 

This company is affecting my credit and utilizing unscrupulous tactics to collect unjustifiable late fees. The representatives for this company are irrational and do not aid in solving the problem. They will only ask for payment. I am done dealing with this company - please listen to all the complaints you receive. I wish XXXX had never sold my loan - I NEVER would have chosen Greentree or Ditech. I hope something is done to change their unjust late fees. I refuse to pay something I do not owe.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MO)

Home Depot Credit I was denied card due to " Unable to verify identity information '' I found another name on account " XXXX XXXX XXXX '' this is not me!!! Iam XXXX XXXX. XXXX!!
Consumer complaint received 2024-10-08
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. (NY)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today ( XX/XX/XXXX ), I received a call from Capital One representative at XXXX PM. As always, Capital One representative has mislead, lied, and hung up the phone. 
The representative did mention that the account was closed on/around XX/XX/XXXX, though this fraudulent company has sent out a letter on/about XX/XX/XXXX stating that if i do not make a payment my account will be closed. This is not the first time that Capital one uses illegal/unlawful tactics to prevent resolving consumer issue or manipulate to have the consumer pay. It is my understanding that Capital One fully assists fraud operators and refuses to refund those that are law abiding citizens. 
Lastly, while capital one representative was on the phone with me we contacted XXXX XXXX XXXX for those fraudulent ACH debits and they have informed Capital One that the transactions were not initiated by me or/and done through XXXX XXXX XXXX. Those ACH debits were fraudulently initiated by Capital One and they refuse to take responsibility even though they did refund me for four of those transactions. 
The representative also lied about this matter never being investigated before when factually 4 out of 7 ACH debits were refunded into my CAPITAL ONE credit card account!
Consumer complaint received 2018-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

I sent {$450.00} from the XXXX ( XXXX ) app on XX/XX/18 to XXXX XXXX who also has a XXXX ( XXXX ) app. The transaction on the app shows as denied 3 times as XXXX didn't have an updated debit card on his XXXX app. The last card he had was with XXXX XXXX and it was no longer valid. Even though on the XXXX app it showed as denied, my bank account had an authorization hold placed on the account and the transaction cleared on XX/XX/18 as successful, but XXXX never received the deposit. XXXX has no idea of what happened. They however show as the merchant on my bank statement but they say they really are not the merchant. I also spoke to an agent who said that XXXX did send the request to pay the authorization hold but since the account had an invalid debit card that it should be returned, but it hasn't returned yet. Then a manager told me that the info he said was wrong. But in my understand of debit transactions, the sending bank applies a hold under the receiving entity sends a request to complete that transaction which to me looks like XXXX. XXXX hasn't opened any type of investigation that I know of and just keeps reading me the standard policy lines. The thing is the money isn't in my bank ... so it is either with XXXX or XXXX somehow sent it to XXXX XXXX which is the receivers bank, but XXXX can not at this time locate the money either.
Consumer complaint received 2018-04-05
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. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (CA)

I have an account on XXXX XXXX, which is a free site that monitors your credit ongoing. The last week of XX/XX/2018, I followed some steps on the credit karma website to view more information about whether their suggested credit cards were really a good match for me. 

I don't even remember which cards I looked at, but after I did it, my credit score dropped XXXX points! As if I'd done a hard credit inquiry! 

I went to my email to check if there was anything confirming a hard credit check and there was nothing. Nothing in my finances had changed at all. After inquiring with customer service at XXXX XXXX, I got no answers about whether there was a hard credit check done on my account on XXXX XXXX 's website. I just got bounced around from one rep to the other who only had canned answers. 

XXXX XXXX completely destroyed my credit and ability to obtain a business loan and I can't even get on the phone with someone or talk to anyone who can provide any specific answers about my credit. 

I need help obtaining the assistance from this company as I did not authorize anything be done on my behalf.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (FL)

Original case : XXXX at CFPB Sirs US Bank. 

I am immensely surprised at the treatment you provide to your ex-customers. 

Regarding the claim that I made through the CFPB against US Bank, I comment the following : On XX/XX/XXXX, in a simple, concrete and kind letter, issued by ( document attach # 1 ) : XXXX XXXX XXXX U.S. Bank Reatail Payment Solutions He let me know that the claim was solved. 

I received this letter on XX/XX/XXXX ; but since XX/XX/XXXX I could see in XXXX and XXXX   the rectifications requested in my original claim. Attached photo of the information presented ( document attach # 2 ) I thought that everything was solved, to continue with my personal plans : Apply as soon as possible for a mortgage loan. 

On XX/XX/XXXX, I observe my credit report in XXXX, and I see that the data that had been disputed in my original claim ( they were already solved ) returned to be reported. Attached photo with the report of XXXX on XX/XX/XXXX ( document attach # 3 ). 

Continuously to this, I review my case at the CFPB page and I find a very professional letter, educated, but with more problems than solutions, issued on XX/XX/XXXX by ( document attach # 4 ) : XXXX XXXX Customer Care Specialist Honestly, I do not understand what happens or where we want to go with this case. 

On XX/XX/XXXX, I made several calls to the number XXXX ( as you suggest in your letters ),  but only answers a machine, which indicates to leave my information, and somebody call me back in 24 hours. I am waiting the call today ( XX/XX/XXXX ). 

I have been respectful of their times and procedures, I have done everything to find a friendly and immediate solution, but that has not been enough. I can not continue postponing my plans, due to the actions ( good or bad ) that the representatives of US Bank carry out. I need a solution no later than 24 hours after you receive this communication through CFPB. 

Once again I request that the data of my account appear in the credit bureaus as an settlement should be reported : Condition : Paid-Close Current Balance : {$0.00} Status : Charge Off. Settled - less than full balance Nowhere should there appear something like derogatory or balance > XXXX ( XXXX ). these terms do not apply in a settlement. 


Regards, XXXX XXXX
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

In XXXX, I called Citi to change my card from a {$450.00} per year XXXX  's XXXX card to their free card in a process called card conversion ( we aren't traveling next year as much as we did the last year ). Today, on XX/XX/XXXX, they charged me the {$450.00} fee. When I called back, I was told that " Oh yes, it takes up to two months to do the card conversion, we'll credit that fee back in another statement or two. '' Meanwhile, I either pay the {$450.00}, and am just out the money until later ( and I'm forced to use their credit card to get it back because it's a credit ), or they get to charge interest on the unpaid {$450.00} until they credit it back. 

This is, at best, predatory, and at worst, fraud.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (FL)

DEBIT FOR CHECKCARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NY Uncategorized - {$2700.00} {$280.00} I made a trip to XXXX, my homeland on XX/XX/XXXX. 
I was supposed to land in XXXX at XXXX XX/XX/XXXX. Due to a faulty plane on my correspondence in XXXX. i didn't make it until XXXX on XX/XX/XXXX. I made it home that day at around XXXX. 
On top of that, The luggage i received where all lost. I never got them. 
The luggage included toys for kids. 
I called the Airline company but didn't get any help. 
Given the fact that i had to pay extra for transportation and that XXXX was ruined. 
I demand a full refund and a letter of apology.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am attaching a description of what happened in a nutshell it an attachment, as the actual time dealing with this and dragging paperwork out over and over has made it difficult to locate all of my notes etc dealing with this. They refused to take care of fraudulent charges on my account while using the excuse that they did not get information from me. I can not provide what I do not know about a company that has put charges on my card in which I did not authorize. They repeatedly made calls including " robo '' call day and night from XXXX aboutXXXX on my cell phone. They refused to stop up request. After acknowledging fraud they still did not deal with the situations and they continued to try to collect.
Consumer complaint received 2018-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

After participating for a year to year and half in repayment, they informed me ONLY after that my payments were late. I asked how that could be when I requested my due date to be moved to the XXXX of the month. They kept it on the XXXX. When I complained to them about it they said they would check the tapes and call logs and get back to me. They never did follow up. It was then I had heard on the news that they were involved in a class action suit for bad loan practices. I instantly lost trust in them. I never once got any Amortization statement or Holder of Loans or Truth in Lending. No one on their end was being held accountable for how I got taken advantaged of. They only hounded me for more money.
Consumer complaint received 2018-12-03
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: Recovery One, LLC (CO)

Please see Complaint # XXXX-XXXX  On XX/XX/XXXX, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue with XXXX to get the correct windshield replaced at the auto dealer, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, Recovery One debt collection. When I returned a voicemail from Recovery One, the representative was extremely rude and belligerent. She gave me no opportunity to explain why there was no debt owed and instead she interrupted, berated me and threatened me that since it was past 30 days, it was going on my credit report. I submitted the above Complaint # XXXX-XXXX because 1 ) I wanted to be sure there was no entry on my credit report since this entire situation was an error and 2 ) I wanted to be sure that the law is followed and debtors are treated by collection agencies with respect and they are provided the opportunity to discuss a debt they are accused of owing. I understand this is stipulated in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( Dodd-Frank Act ) which established the CFPB for the purpose of protecting consumers from abusive financial services practices. Recovery One 's response to my complaint # XXXX-XXXX on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' On XX/XX/XXXX I submitted additional feedback via the CFPB to clarify that Recovery One responded to the first part of my complaint ( ensure there is no entry on my credit report ) but not the second ( ensure consumers are treated with respect as mandated by the Dodd Frank Act ). Suddenly, today, XX/XX/XXXX, there is a new entry on my credit report ... a " New Collection '' entered today. I am left to believe this brand new submission is most likely a retaliation from my XX/XX/XXXX feedback. This is clearly an improper use of my credit report, utilized to further damage me in response to my exercising my rights with the CFPB.