davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I bought a XXXX Chevy Silverado around XXXX XXXX. The 72 month contract had the terms listed and showed I would pay {$6500.00} in finance charges over the life of the loan. As of 3-4 months ago, and after manually adding all finance charge made on the loan, I 'm well past the {$6500.00} and I still have over a year left to lay on the loan. 
I 've made payments well above and beyond the monthly contractual amounts, but Ally keeps taking out finance charges. For example, my account is now due for the XXXX/XXXX/XXXX month payment. They have told me on several occasions that if I make an additional payment on my account, even if I want it to go to JUST principal, they will take finance charges out of it anyway. At this rate, I will be paying nearly $ XXXX- {$8000.00} in finance charges for the life of the loan. 
The initial disclosure of finance charges was so far off. I was mislead and my account is being mistreated. If my account is up to date AND is n't due for for another 5 months, I should be able to clearly make JUST principal monthly payments!
Consumer complaint received 2017-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

At the time I went to pay my XXXX mortgage payment online ( XXXX XXXX ), I inadvertently failed to hit the last " Submit Payment '' button, which meant I did not make the payment. 

Later I received a letter from my mortgage company, Freedom Mortgage indicating I had not made the payment. I think I checked that I had a saved PDF for the payment, but either did not open it or did not see it was not a confirmation screen. 

We left town in mid XXXX and were away from physical mail until mid XXXX. 

When I went to make my XXXX payment online ( while away ), there was no indication that I was now indeed late. I also was unable to download my XXXX or XXXX statements at this time to verify what had happened. I made the XXXX payment. 

When I got home in mid-XXXX there was another you are late letter. I was still unable to see XXXX or XXXX statements. When I went to make my XXXX payment it was finally indicating I was late as the required payment was now double my normal payment. I checked my checking account from which I make the payments and could see the XXXX payment did not happen. 

I contacted Freedom Mortgage, and they seemed to understand the problem and would be happy to reverse one late payment ( maximum of their policy ), which they did. The person I spoke to sounded positive on the idea I would be able to have them repair my credit report, but I would need to submit a case via e-mail. 

I submitted a case by e-mail, but the declined to repair my credit report. I am unable to pursue this matter further with their XXXX XXXX Department, as they would not provide me with a phone number for this department. 

My credit reports with at least two of the three agencies now reflect two late payments on the mortgage, which seems unfair, as I feel I only missed one payment ; it just took me two months to address. There is also no distinction for a payment missed inadvertently, versus missed due to financial hardship or other issue. 

I was only able to see my statements for XXXX and XXXX as of XXXX XXXX. This made it impossible to verify from Freedom Mortgage 's records what had happened. It is even possible I did actually submit my XXXX payment, but their system failed. Their on-line payment system is frequently offline, and fails when I submit. I will attach a screenshot of an example of this. 

I also do not know how to add or update a contact telephone number on Freedom Mortgage 's website. They may have tried contacting me regarding the issue, but they may have been trying my home number while I was away. 

I would like Freedom Mortgage to be forced to repair my credit report, to improve their website so that contact phone numbers can be seen, added and updated, and that their website be modified to make it OBVIOUS that a payment is about to be or is late.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

This is an appeal letter of Complaint # XXXX. If BOA can answers the questions on the appeal letter and the answers are correct, not just like now by not really answering the problem, I'll accept the decision and move on. What their system did to my credit gave me a 0 % of keeping my 40+ year history of never missing a payment.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Debit Card Dispute Claim number : # XXXX Account number ending in XXXX On XX/XX/2024 I called the Wells Fargo XXXX XXXX customer service department. I noticed several unauthorized transactions on my Wells Fargo everyday checking account ending in XXXX. I informed the customer service department and a claim was opened. 

On XX/XX/XXXX my claim had closed under the dispute reason of, dont remember this transaction, which is a statement I never made. Therefore, they denied my claim and I was not refunded for the unauthorized transactions on my account. 

I called the dispute team today at was told that because, I lost my my debit card I would not be refunded for the unauthorized use of my card. 

I have been banking with Wells Fargo for over 20 years, have had a good standing, with CDs and several accounts and credit cards with them. There is clear evidence that I have never used my cards in any other international country nor have ai traveled. 

Once I investigated the transactions on my account I found that there are several charges in other foreign counties. I have never traveled to other counties let alone purchase anything in another country. Additionally, I found that I received emails and text messages in which Wells Fargo flagged my account. On XX/XX/XXXX I received a text from the Wells Fargo Detection Department asking if I recognized the transactions. I replied No and received a text stating that the card was blocked and that I would have to call the Wells Fargo dispute department in order to allow transactions to process on my account. It is very concerning that although I did my due diligence and reported fraud, Wells Fargo did not do their part as my entrusted bank to take appropriate measurements in order to prevent fraud and protect me from outsiders using my card and earned monies. 

My great standing along with the insurance that is offered by Wells Fargo should suffice the credit I am owed. 


I ask that Wells Fargo reopens my claim and do thier due diligence and further investigate that the transactions do not belong to me. 

I have enclosed the following documentation for your review : Unusual activity email sent by Wells Fargo Text message in which I specifically stated that I did not authorize the transactions made List of highlighted unauthorized transactions on my Wells Fargo bank account Thank you in advance for your time and consideration, XXXX XXXX
Consumer complaint received 2017-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I have tried to obtain information about the school that I went to. It 's called XXXX XXXX and was located in XXXX, CA. Navient has not been able to provide me any information in regards to the school, can not provide information about the type of loan I have with physical documents and I know that XXXX had bought out the school and that has since been closed down. 

I filled out an Income Based Repayment Plan application and was told that my payments would increase from {$110.00} to {$140.00} however the monthly payments SKYROCKETED to {$280.00} and nobody can tell me why. I even get emails monthly that show that my {$140.00} payment is n't due until XX/XX/XXXX. 

I feel that since I am not able to get the services from the school that I am paying for that I should n't have to pay since the school has CLOSED forever and I can no longer take refresher courses as disclosed in my paperwork that nobody at NAVIENT can seem to provide. I feel that this loan should be FORGIVEN due to the nature of the closure of the school and based on NAVIENT 'S inability to provide ANY documentation in regards to the loan in the first place.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2017 I sent XXXX XXXX, experian proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX XXXX experian with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Consumer complaint received 2017-09-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (CT)

I made a timely payment on a student loan, and AES threatened that the payment was past due. I received confirmation from AES that the payment was timely. I want my timely payment acknowledged. I want AES to stop harassing me. I want an apology.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (NJ)

Dear CFPB, I received a letter from BMW via MY BMW online account stating that they would reconsider my application for refinancing of my vehicle which I financed through them, as a brand new purchase in 2011. 
Today, the refinance agent told me that the decision was made and I could get a co-applicant but it basically would not help me keep my vehicle ; I would need to trade it or sell it on my own. 
When I mentioned I received an email reply to how I could get my BMW refinanced through BMW since I am already financed through them, the agent said he had never heard of the person I received the reply from and that the reply did not matter because they were not going to refinance my vehicle even though I have been financed through them for the past 5 years.
Consumer complaint received 2017-09-17
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. (IL)

Victim of the Equifax Data Breach of 2017, upset with the nature of Credit Reporting Agencies and the lackluster steps taken to provide security for the very sensitive information contained by these Agencies for hundreds of millions of Americans. This is not simply a data breach, it has the potential to impact the future of Americans young and old. These companies are truly playing with the livelihood of millions of people including myself. Actions should, and hopefully will, be taken against not only Equifax, but also XXXX and XXXX, in the wake of this breach. With that being said I also hope to see the hackers who skimmed the information of myself and other Americans brought to justice and prosecuted for their thievery. The world would be a better place for all if we could stop these crimes before they ever had a chance to be committed, but until that day comes, companies that keep sensitive information that has the power to ruin a person 's life should take the necessary actions to protect that information at whatever cost. Otherwise, I would implore people to never again trust these agencies with our business or our information.
Consumer complaint received 2017-09-17
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. (FL)

on X/X/2017 I sent equifax, XXXX XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided Equifax, XXXX XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed several times with TransUnion, provided them with my personal information and still nothing has been addressed. There are inquires listed which were not authorized and business inquires which should not be listed on my personal credit file. There are also XXXX which I do not use XXXX as this is not my name is it XXXX. Please help me resolve
Consumer complaint received 2017-02-10
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CT)

today i tried to get access to my pay pal account and was denied access. I called them and the woman on the phone told me that i was in violation of heir policies and they will hold my money for an additional 180 days there is over XXXX in that account which i have not fully had a chance to gain access to for over two months. I informed the woman on the phone that when pay pal restricted my account befor that i expalined on recorded conversation what my business entailed and after i removed the pay pal buttons from my social media pages my account was restored again. now for some strange reason my account ha been restricted oddly after i made first formal cfpb complaint. I feel discriminated against and i wish to cut all ties with pay pal due to their unfair practices when it comes to holding money that ive worked hard for.
Consumer complaint received 2015-08-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

I was issued a {$12.00} fee for Returned Check fee for a check that my renter wrote TO ME. Since the bounced check was written to me, and since I did not cause this action, I do n't think that Chase should be penalizing me for the actions of others. They should charge the person who wrote the check and not add yet another fee to the person who expected to get funds.
Consumer complaint received 2017-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (OH)

I telephoned XXXX in early XX/XX/XXXX and was told acct was paid in full. I had moved and never ever received a bill that acct was still owing. Never received notice from CBE Group that there was an outstanding balance. Upon learning of collection thru XXXX XXXX I immediately paid amount due to XXXX. XXXX lied about having sent me notices or USPS failed to forward mail!
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NC)

My Barclays credit card payment was made on XXXX/XXXX/2016 in the evening. I began receiving collection calls from Barclays bank about a pass due balance because my payment was not made by XXXX. I ask Barclays to please make an exception and waive the late fee. The is not typical credit card payment policy. People tend to forget this little fact about this particular credit card. Barclay card refused to waive the late fee. My position is that the payment was made on the due date, a cutoff time of XXXX is just their way of extorting additional credit charges from account holders. Subsequently, Barclays continues to add late charges onto my card balance. This alleged pass due balance was created by Barclays. I will not accept, nor acknowledge the late engineered late charges generated by them. This card was aligned with XXXX, now American airlines. The half price airline voucher they issue annually as a perk is never usable or accepted by the airline for XXXX reason or another. I am asking CFPB to review Barclays Bank credit card collection practices and to have this bank remove the late charges they keep tacking onto my credit card balance. I have closed my account with them due to their terrible customer service. I am always left on hold for over 15 minutes when I ask for management staff or disconnected and ask to re-verify my Identify after I have already entered that information when I placed the call. I have been denied service when I refuse to do so. I feel they use these tactics to discourage their customer to dispute issues.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Ive sent to HIPAA letters already informing Medical Data Systems That theyve violated my privacy by having information from a medical provider and asked that they delete it immediately from my credit report which they have yet to do but insist on sending me debt collection letters. Its illegal for them to have any information dealing with private medical matters! Theyre also not licensed in the state of Georgia where i reside. This account was added between XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Unauthorized inquiries and/or unknown companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2017-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MS)

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2017-09-17
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. (MO)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, credit cards, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service. It is the onus of the victim to search out this information and service, and the service itself looks like an unreliable third-party website asking for 2/3 of one 's social security number plus last name and most importantly, a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.