davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint refers to a specific recurring issue regarding the manner in which Capital One processes payments. My due date to pay my credit card bill is on the XXXX of the month with no grace period. However, payments actually made on the due date incur a significant late fee because Capital One says payments made that day are " processed '' and then posted the next day. 

They claim a cut off of XXXX eastern time in terms of processing payments made that day. My contention, and I was told by the customer service person that this is a common complaint, is that if I make a payment on that date, whether it is early in the day or XXXX minute prior to XXXX, should be accounted for that day. Their policy, somehow written into the credit card agreement and no doubt buried somewhere in the mountain of fine print typical of cc agreements, is an absurd and egregious money grab. 

I asked that my credit card account and all billing issues be frozen until this matter was resolved and was refused. Also, credit card companies should be held accountable for these kinds of anti consumer practices. Some of us are smart enough to know that they have armies of lobbyists who allow them to get away with sticking it to us with crazy fees and penalties for the smallest mistake, but this is no mistake. If my due date is the XXXX and I pay on the XXXX, I should not be penalized regardless of their internal policy, accounting or cut off time. In fact, the cut off time should be moved to the XXXX to allow time for processing payments that were made on the XXXX.
Consumer complaint received 2015-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (NV)

I became single, XX/XX/XXXX, renting a room from a person who leased a original to the city residence XXXX, he was defrauding me and did not pay the company their portion of the rent, I notified the XXXX police and FBI, he was forcefully removed from the property and agreed never to return, leaving me with squatters rights, assembly. being polite and not wanting to be evicted homeless I submitted all personal info too the XXXX XXXX XXXX. A XXXX gentleman married several times I believe perhaps was named XXXX but a XXXX gentleman by admission, came over promptly and marked down tons of historical damage running in the XXXX plus, form original broken built ins, to destroyed hardwood flooring and even prior broken windows, whether I was forced into a lease to remain their is unclear. I later provided a 30 day notice XXXX to vacate the property having witnessed a XXXX XXXX XXXX XXXX XXXX or a.k.a. from a few blocks down where I lived prior, I needed to move, having my life threatened. The office came over same gentleman also added up the XXXX in damages but said this was to protect me and knew it was n't my wrong doing. He the company rep stated not all XXXX employees were aware of the situation regarding the forceful removal of their tenant, Im also fully XXXX on Social Security XXXX Income. He stated there might in the future be an accidental bill like there is now XXXX years later, which California, does not enforce from rental companies to my knowledge regardless of formalities, the FBI has been failing to return my victim of crime inquiries, and the XXXX is also aware and involved, as I was informing to them. So XXXX stated not all employees knew and disregard a future bill now I have a collection notice and feel heavily discriminated. Let alone neglected by the white house and FBI victims of crime. Evidence continually posted on my sites
Consumer complaint received 2024-10-02
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)

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 XXXXXX/XX/year> has violated my rights.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (UT)

I was in the process of re financing my home, I was working with a few different mortgage companies trying to find the best deal. XXXX of these companies was quicken loans. I made a decision to go with a local company but the banker I was dealing with at quicken loans using their aggressive tactics told me " the rates went up this morning but lucky for you I locked you in already. '' Not knowing everything about mortgages like most people, He made me feel like I was already stuck and I had to go with him. So I went ahead and filled out the mortgage application and within minutes they had my credit card info and charged me a {$500.00} deposit for the appraisal and credit info. I felt this was quite quick but knew It was part of it so it was fine.. 
I was rubbed the wrong way from the very beginning and felt uncomfortable using this company, so I asked around and also the lender I wanted to work with and found out I can back out and cancel the loan and if I did it soon enough I could get all my {$500.00} back. So this is what I did, I called Monday morning the XXXX of XXXX and cancelled my loan. I told the banker I want to stay on the phone until it 's 100 % finished. He then told me it 's done. There is nothing more you need to do. I then asked him to transfer me to the right person to talk to about getting my refund to my credit card. As I spoke to the woman in that department she told me everything was final and it would take 7-10 business days and I would see my refund. So I waited until Friday XXXX XXXX and never saw my refund, so I called to find out what was going on. A lady in customer car looked up my info and said you 'll see it on Monday and to call again if it 's not there.. Monday comes, no refund. So today, Tuesday morning the XXXX of XXXX I called again to find out what 's going on. I get another lady in customer care, as she looks up my account she tells me they have n't even started the canceling process, and this process will take their team 8 days to complete and then the refund will come 7-10 business days from that. It has been 15 days and I will not receive my {$500.00} refund from a multi-billion dollar company for at least another 2-3 weeks! 5 weeks in total is completely unacceptable. It 's a credit card, very easy to refund a charge.. 
The high pressure, plus using tactics to make me feel trapped just to take my money as fast as possible and then give me the run around and hold my money hostage for as long as possible so they can make more money is downright disgraceful and I am absolutely disgusted with this company. Hopefully something happens with this and consumers are warned about working with any company like this.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did mortgage re-financing with Bank of America ( BA ) in XX/XX/XXXX. 
The original agreement was that I would refinancing with {$0.00} closing cost but with interest rate slightly higher than the current market rate. BA did not stick to our original agreement. I was tricked into signing the loan, but at the end decided to pay it off completely ASAP. The new mortgage was paid off completely in XX/XX/XXXX. BA inappropriately withdrew money from my checking account at least on XXXX occasion. 
Originally the refinancing date was scheduled for XX/XX/XXXX. BA was very eager to do signing in XXXX. When I confronted them with the evidence that they where charging me extra origination fee, they lowered the closing fee, but unexpectedly moved the signing date to XX/XX/XXXX. The reason they said was I was supposed to receive appraisal report before signing. On the signing date in XXXX, I still did not have appraisal report from them. In fact it was not even mailed to me. At the same time XXXX withdrew {$1000.00} of previous mortgage payment, which they would not have done had we signed the refinancing in XXXX. As a result BA ended up charging me extra {$1000.00}. 
Multiple requests to explain what happened and return the money gave no results. 

In XX/XX/XXXX, the remaining principal balance on the mortgage was {$1200.00}, while the monthly payment was {$1200.00}. The accumulated interest form the month of XXXX was ~ {$4.00} ( 4.25 % annual interest on the loan ). Thus I was expected BA to withdraw {$1200.00} and close the loan account. Contrary to my expectation BA withdrew {$1200.00} and failed to provide any explanation of why that happened and when I will get the difference ( {$56.00} ) back.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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.
Consumer complaint received 2015-06-16
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

On XXXX, XXXX, 2015 I sent for my mother in XXXX {$290.00} by Western Union. 
On XXXX, XXXX, 2015 my mother could not pick up the money because happened some mistake. So, I called Western Union reported what was going on and they said that in 9 business day they would give me an answer about an investigation on the case that they would do. 
They took around 3 weeks to give an answer after many attempt mine. 
On XXXX, XXXX, 2015, after words, they recognize that happened a mistake and they would refund the money for receiver - which was my mom. They gave me a new tracking number, as well. My mother just went in the bank and the money still not available for pick up! 
There is more than 30 days that I am trying solve it and they just say that the money is available, when it is n't! Or they say for I just wait more 3 business days!! XXXX WHAT?? ) It looks like they are just gaining time for I loose my rights!!!
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DC)

I was the victim of identity theft in XXXX and XXXX 2014. Someone tried to open - and successfully did open - many credit cards in my name. After I got a call asking to confirm whether I had applied for an account, I realized what was happening and placed freezes on my accounts with the credit bureaus, contacted every credit card company I saw popping up on my credit report and every company that called or mailed me, and then filed a police report. 
XXXX and XXXX have removed all the fraudulent accounts and inquiries from my credit reports there, but Equifax refuses to remove XXXX items, a fraudulent account at XXXX and a fraudulent inquiry from XXXX, from my report, even after I have filed several disputes ( # XXXX, XXXX, XXXX etc. ) providing documentation that they are fraudulent, and even after XXXX and XXXX have XXXX each asked that they remove these items from my files. This is Equifax 's response each time I ask them to investigate the matter : & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXXPlease help me get these fraudulent items off my account! I have a letter from XXXX, attached. Unfortunately XXXX procedure is to submit electronic requests to Equifax, so I do n't have a letter from them to attach, but you can contact them and they will confirm the account is fraudulent.
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AL)

XX/XX/XXXX-Reviewed a copy of my credit report and was made aware of an account opened in XX/XX/XXXX at Macy 's with a balance of appox XXXX, immediately I contacted Macy 's, spoke with XXXX and had the account closed. I then contacted XXXX to have a fraud alert placed on my credit file. Also, I began the dispute process on the account through the credit reporting agencies. 
XXXX XXXX contacted the fraud investigations department at Macy 's and filed a fraud case # XXXX stating the account was not authorized. I was advised the statements had been sent to XXXX XXXX XXXX XXXX, AL XXXX and then XXXX XXXX XXXX XXXX, AL XXXX. As requested I provided all the required documentation to the Fraud Investigation Department including a copy of my drivers license. 
XX/XX/XXXX-Macy 's acknowledged receipt of the fraud claim via mailed correspondence. Throughout the fraud " investigation '' process, collection notices were continuing to be sent. 
XX/XX/XXXX-Macy 's fraud investigation department mailed a letter stating my fraud claim could not be accepted and did not state a reason for the denial. 
XX/XX/XXXX-Feeling very frustrated and out of options, I eventually called Macy 's trying to get answers since the collection notices and calls were continuing. I contacted customer service at XXXX and spoke with XXXX XXXX. I explained to the representative the situation and asked for copies of all the statements for the account since it was opened. I also requested a copy of the credit agreement I had " supposedly '' signed. She initially responded by saying it would not be possible but then said some of the statements could be provided for {$3.00} but then stated she would be unable to assist me with my request.I was then transferred to XXXX in the Fraud Prevention department.I then recalled the story once again and made the same request for copies of the statements and the credit agreement. I also requested an explanation of why my fraud claim was denied. XXXX response to me was as follows, " Payments were being made on the account, so it was n't considered fraud ''. She then gave me another number to call XXXX which from the automated system referenced bankruptcy claims. 
I 'm not sure if this is the best place to turn for an attempt at a resolution but I figured it was worth a shot. I 'm a single parent of XXXX children and ca n't afford negative accounts on my credit report. Please help.
Consumer complaint received 2015-09-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

I purchased a tri-plex in XXXX. My first mortgage is with XXXX Mortgage and is in good standing. I have less than {$7000.00} left on this loan so I should be done with payments in XXXX. I took out a second ( home equity line of credit ) on the property of {$200000.00} in XXXX with Wells Fargo to help with expenses at my restaurant. When I closed the restaurant in XXXX, I got a one-year modification from Wells Fargo, reducing the payment in half. After the year was up, I was still unable to pay the full payment of {$1400.00} and re-applied for another modification with Wells Fargo which was denied. So I just continued to pay the original modification amount of {$710.00}. Wells Fargo accepted these monthly payments for the next seven years. I got a couple of letters from them regarding my delinquency and bankruptcy in XXXX and XXXX but they still continued to take my payments. I got paperwork the other day for the beginning foreclosure process. My complaint is, why did Wells Fargo continue to accept the partial payments for seven years knowing that they were going to forclose on the property?
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Currently, my loan is being serviced by Ocwen Loan Servicing , LLC . I obtained this mortgage prior to XX/XX/XXXX. I tried several attempts to qualify for a loan modification but recently my circumstances changed because my husband and I decided to file for a divorce and I do not make the same income as I use to. Next, I decided to list my property for a short-sale and found an approved buyer for my property. I completed the XXXX request for relocation assistance and became aware that any short-sale that closes after XXXX XXXX, XXXX and its was the homeowners primary and only residence, that the would be entitled to the {$10000.00}. I went on the Making Home Affordable website to confirm this and saw that I meet all of the criteria to be eligible for the XXXX funds. The website states the following : You may be eligible for HAMP if you meet the following criteria : Because of a financial hardship, you are struggliing to make your mortgage payments. 
You are delinquent or in danger of falling behind on your mortgage. 
You obtained your mortgage on or before XX/XX/XXXX. 
Your property has not been condemned. 
You owe up to {$720000.00} on your primary residence or XXXX unit rental property ( loan limits are higher for XXXX to XXXX-unit properties ). 
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction. 

However, Ocwen is now stating that if there is a scheduled sale date within 60 days, that the homeowner is no longer allowed to receive the {$10000.00} and any government assistance. We have been working with this qualified Buyer since XX/XX/XXXX and we submitted all documents timely ( within 90 days of the sale date ). Now, Ocwen is denying me consideration of the XXXX funds even though they had a completed package more than 80 days from the sale-date. I spoke with other lenders and this is not the case. I believe that Ocwen is not only doing this to me but also doing this to numerous homeowners who really need government assistance which is what the program was designed for. I am requesting for the Consumer Financial Protection Bureau to seriously investigate the current practices of Ocwen because I believe they are in breach of helping struggling howeowners who legitimately need assistance. Thank you for you time to help assist with this matter.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past two years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to Experian but Experian has failed. Experian has refused to even dispute this account. and exprian could carelss if the wrong information is correct or not. 
information is correct or incorrect.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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