davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was in the middle of a medical crisis due to my  XXXX  before   XXXX   XXXX   and after   XXXX   XXXX  . I have made late payment twice this year due to my medical complications. Capital One gave me hard time waiving both late fees in both instances, they ended up waiving them. I made my most recent payment on the due date of   XXXX    XXXX , 2017, however it got processed on Capital one 's end the next business day, and was considered late since according to Capital one I did n't make it by the cutoff time of   XXXX   XXXX   ET. The disclaimer regarding the late fee on my statement clearly states the following : " LATE PAYMENT WARNING : If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to {$35.00}. '' I have a screen shot for this part of the statement, where the late fee mentioned once in that one statement only, exactly as stated above.
If the statement said [ If we do not receive your minimum payment by your due date & the deadline of   XXXX   ET., you may have to pay a late fee of up to {$35.00}. ] Then I have no excuse to get the fee waived and I am responsible for it in that scenario.
 XXXX 
Their statement regarding the deadline of  XXXX  ET is located above the new balance amount and the payment due date, separated from the LATE PAYMENT WARNING statement.        
In  XXXX  vocabulary, when we specify date it means day of the month & year excluding the " time '' of day.
 XXXX 
Capital one refused to waive it even though me and my husband offered to send them the PDF document that has the time stamp that proves the payment was made on the due date.
Consumer complaint received 2024-10-17
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. (IL)

Ive we e recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

The account balance owed with Wells Fargo was {$7000.00}. I called Wells Fargo to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is Wells Fargo would agree with the amount for monthly installments, he finally said that Wells Fargo approved my request to pay {$120.00} per month. When I would call Wells Fargo, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by Wells Fargo for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company on XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XXXX XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email on XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to Wells Fargo initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XXXX XXXX I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

On XXXX XXXX 2017 after receiving numerous robo calls for collection of past fees I asked to pay my balance in full and to close the account. I paid {$86.00} and was transferred to another dept to close the account. Two weeks later I was sent a bill for {$38.00}. After calling their customer service they said it was paid late and I owe. I stated that I was on their recorded line and I asked to pay bill in full and to close account.They said their employee was n't authorized to make that statement.I asked for a written explanation and was told they do not have to provide a written explanation.
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Adjusters, LLC (AL)

I received a email from XXXX account services that a loan that I did not apply for was sold to National Credit Adjusters. This loan in question also shows on my credit report. I have asked for help from the CFPB as well as requested signed documents for an application for credit or anything that they have in order to press charges. As of this date, nothing. I did my research on this company and there is no way I would apply to a payday loan service with the tactics this company employs. Even worse than that they allowed my ssn # to be used without my written or verbal consent.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

I had met with a senior mortgage consultant in XXXX of XXXX to fill out enrollment paperwork for the XXXX XXXX XXXX program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate again making sure I was all set with the XXXX. When I went for a preapproval in XXXX of XXXX she said I had 24 months to use the XXXX grant. I did not end up purchasing a house then. When I emailed her again this past XXXX, I did not get a reply so I emailed another mortgage consultant. She proceeded to tell me the original lady was not with the bank any more and that I was not enrolled in the XXXX XXXX XXXX program. I sent all of my enrollment paperwork to prove that the account was open and was told that the bank had made a mistake and my paperwork was never filed. I was told that when I applied for the actual mortgage the bank would make it up to me as I was losing {$8000.00} in the grant. I just went in last night to talk to my new mortgage consultant to fill out an application because I had found a house and put an offer in, she told me that the best they could do was to maybe reduce my interest rate by XXXX of a percent and that i would not get any where near the {$8000.00} that I lost from the grant.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX were solicited by BofA Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX BA sold my loan to XXXX XXXX XXXX. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX BofA filed Lis Pendens/Forclosure 4. XXXX We offered BofA to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, BA wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX BA sold their interest to XXXX XXXX XXXX that removed BA from pending lawsuit/forclosure proceedings and our motions against BA. 
7. XXXX to XXXX At not time has BA acted in good faith toward any form of equitable resolution. By way of example, see # XXXX and # XXXX above. 
8. XXXX BA sold their position to XXXX XXXX XXXX in XXXX. XXXX started by grossly overstating our loan balance that is not yet resolved. 
9. XXXX In BA 's place ( but not entirely we hope ) comes the new and continuing battle with XXXX ... ... ... ... to be aggressively investigated by CFPB With your help WE WILL NOT GIVE UP. 
XXXX
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I have attempted numerous times over the course of my student loans to discuss with XXXX/Navient an affordable payment plan. The first few times I was quickly suggested into 'deferment, ' and told I would receive paperwork for an income-based repayment plan, which was never received. Each call resulted in the same discussion ... my payments were based on my GROSS income, not factoring in any cost of living expenses. The payments were unaffordable. I even remarked at how they would rather receive nothing from me instead of making accommodations that at least allow me to pay SOMETHING monthly. Out of sheer frustration I just quit dealing with the customer service, as I was told something different every time I called, with no flexibility whatsoever when it came to payment plans. I finally worked with someone at a financial institution who called on my behalf, and was then told my only option for lowering payments was consolidation. At this point, my accumulated interest has nearly doubled my loans, and consolidation is difficult due to the hit this has taken on my credit score. I am working with a financial institution to hopefully consolidate and obtain a payment plan that I can afford while still affording the cost of basic living. I am beyond frustrated and stressed at how these loans have affected my financial health and ability to maintain a decent credit score. When I call Navient now, I am in default and have to make an exorbitant payment to catch up, which also is not feasible. The inflexibility of this company and customer service is beyond reprehensible, especially given the impact these loans have on someone 's credit score, financial state, and overall life affordability. It is n't that I do not want to pay, I WANT TO PAY ... but simply can not at the price they suggest I can. I have made it more than clear to Navient my willingness to pay, and they have made it frustrating and difficult .... actually impossible, to do so. I am nervous they will cause difficulties with my consolidation due to the status of my loans, which would create an even worse situation for me financially, as consolidation actually provides an affordable payment option for me.
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Activehours (WA)

Ca n't cash out said it waiting for my bank to send statement to XXXX XXXX. what taking so long to cash out. Need cash to prevent overdraft fees tommarrow XX/XX/XXXX. Please help me to fix this problem or ill be dealing with a XXXX dollar fee
Consumer complaint received 2016-04-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: JPMORGAN CHASE & CO. (CA)

Chase bank is re-aging their private loan charge off accounts on my XXXX credit report. The actual date of the XXXX delinquency on both Chase private loan accounts was XXXX XXXX. They are reporting that the XXXX delinquency date was XXXX XXXX in order to keep reporting their negative accounts on my XXXX.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Yesterday I signed up for a company called XXXX XXXX and it verified my bank account and everything, when I go to work today I should be able to start receiving money from them if I so choose to, which being extremely low income I desperately need to do from time to time by just a few dollars here and there so I do n't need to overdraft my account. My bank which is citizens bank of PA is not partnered with this company so apparently they just want people to overdraft their accounts if they desperately need gas, or toilet paper so they can get the XXXX dollar fee. This company XXXX would be a huge help to customers in keeping them from paying those fees to banks. Me myself I can personally attest to how much this company would help people like me. I just was paid yesterday and my entire check went to coolant for my car, oil for an oil change, rent, and everything my XXXX year old needed and what my XXXX XXXX olds daycare requires him to have and as this is his first day of daycare today I needed a lot. I do n't have the money for gas to drive my XXXX year old to her daycare in moon for an entire week, I do n't have money for gas for work, I 'm at 1/4 of a tank my car is a gas hog until the oil is added and coolant. The only reason my bank has not joined with this company is to get the fees charged from having to overdraft when this application will eliminate the need for that. I feel all banks should be required to join with companies like XXXX to help eliminate fees being paid to institutions as people wo n't need to overdraft.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
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There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/>There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXXstating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (VA)

On or about XXXX XXXX 2016 I applied for a loan ( mortgage ) from the XXXX XXXX XXXX XXXX ( XXXX ). 
After processing my loan application, XXXX notified me that Experian Credit Bureau had declared me deceased, and further action on my application is denied, until I personally cause Experian to correct this false report of my death. 
. In accordance with guidance at XXXX I sent Experian, via certified mail, USPSXXXX, a letter, enclosing a notarized statement, attesting to the fact I am alive and well. I asked for correction of the false information, promulgated by Experian, and the identification of the source of that information. Please note, of the XXXX reporting credit bureaus, Experian was the only XXXX reporting false information Experian signed for the letter XXXX XXXX, 2016. As of this date, XXXX XXXX 2016, I have received no reply from Experian. 
The false reporting by Experian, and their lack of response, now after approximately forty-nine days, has caused me great inconvenience, worry, and financial hardship, I have asked Experian to do only XXXX things ; correct the false information and furnish me the original source of the false information so I may take action at the source to correct the record. in this matter. 

Request action to correct Experian false reporting, Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GSF MORTGAGE CORP (MI)

I purchased a home XXXX 2017 and tried to register online to make my first payment for XXXX 2017. The company has no record of my loan information and can not give me online access to my own account. This is preventing me from making my first time payment and I am asked to use a coupon split with the information offered to me at closing. I live my life by having excellent credit and can not afford for my score to be lowered by a mistake made at the Banking level. I have my loan information and when I call and offer my ssn # the answer is no records found. I have a 30 year fixed.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

Company/creditor name : Santander ( auto lo an )  The company is incorrectly reporting information. they seem to be re-aging the account. The original open date of the account is   XX/XX/XXXX . Santander is reporting it as  XX/XX/XXXX .    The original date of the last payment was   XX/XX/XXXX . Santander reported it as  XX/XX/XXXX  and later updated it to  XX/XX/XXXX  ( after dispute filed  XX/XX/XXXX  ) This i nformation is only reporting incorrect on my  XXXX   XXXX  report. I filed a dispute with  XXXX   XXXX  on   XX/XX/XXXX  an d Santander updated the account but still has the dates wrong. According to my records and the  XXXX  other reporting agencies this account should have " fallen off '' of my credit report in   XX/XX/XXXX  .
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I paid for my home in full on a 20 year note. On the last payment I was told I still owe XXXX dollars. My mortgage was XXXX payments. Principle and interest fixed for 20 years. Now Chase bank never in the time I had them told me of a shortage in my payment amount. They even sent me a check for {$1800.00} dollars in XXXX. No fees on any statement. They claimed I had on my original mortgage an interest rate of 13.7 % day to day interest which I never heard of. Chase NEVER informed me of a shortage in my payments that would make them take the bulk of my principle for their interest portion. Chase benefited by me not knowing that all the principle I was paying was not going where I thought it was going. Chase allowed this money to accrue for 20 years. I requested a copy of my mortgage 3 times. They just ask me to hold on the phone and never come back. I even gave them my cell phone number if we get disconnected. Still no call back. My original mortgage was XX/XX/XXXX, loan maturity XX/XX/XXXX. If this interest rate was as they say, I would have changed it years ago. The interest was crazy. I wanted to pay it off, so I left it. I believed I had a FIXED rate. The bank is trying to extend my payment maturity date. I signed up for 20 years only.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Was contacted by collection company and settled a very old debt to help my credit score. Was told paying them off would remove it from my credit report. Just the opposite. Was added to an additional bureau. Lowered my credit score.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!