davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moiharwin Diverisfied Corporation (NV)

XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$190.00} from back in XXXX.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

I am having issues with my vehicle loan through Bridegcrest due to inaccurate payment scheduling that has occurred multiple times. It occurs when I am called by Bridecrest for late payments collections and to bring my account current. At least three or four tiimes I have been called for late payment collections and have requested repayment dates that suit me with regards to other financial obligations yet the service representative scheduling an online payment to bring my status back to current will enter a date that adheres to the loan schedule and not by what I am verbally requesting. This causes a domino effect of me not being able to pay the next bill on time because the dates I require in order for funding to be available isn't always based on my Bridegcrest loan repayment schedule. The agreed scheduling would bring my account current if they followed it, but they don't and schedule the payments to their benefit or to fulfill whatever collection quotas they have but it leaves me in a financial burden to make the next payment because they are taking money out of my account before it was allocated for them. Since I have received the loan I have been in a constant delinquency and credit reporting and it all stemmed from their late collection payment rescheduling that first occurred three months after I received the loan. In that instance, I was called to bring my loan current but they scheduled the payment before the agreed upon date. My loan eventually needed to be restructured and my loan was extended almost another 6 months. My most recent occurance of this happened, this month. I was called to bring my account current and scheduled two payments to be taken out this month. One was this XXXX on XX/XX/XXXX and the other was for {$400.00} on XX/XX/XXXX. I just found out the XXXX was already taken out on XX/XX/XXXX. All in all my account should be current with all the payments I have made by now yet it is not. I know this is in part due to late payments but the type of delinquency reporting, total of loan payments, and daily interest accrued just do not make sense for any vehicle loan. Looking back t honestly would have benefited me more to have voluntarily reposessed the vehicle after the first late payment rescheduling error because I have been hassling with this loan the whole time.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I had tried to cancel the service, XXXX, from an annual subscription by doing a chargeback claim in XXXX. I had been charged XXXX as well as XXXX. I had been given back the XXXX but it was then informed that XXXX would not allow the subscription to be canceled. At this point, my account had been deleted so I had no way of unsubscribing from the service. I then reached out to XXXX via email support on XX/XX/XXXX where I had told them the issue of my subscription not being active and also had not been given back the payment of XXXX. They then immediately reactivated the account where I was able to watch 2 movies in the month of XXXX on the XXXX and XXXX. Going into XXXX my account again would not allow me to use the services and requested that I pay an additional fee with each movie. Fast forward to XX/XX/XXXX, I looked at my bank transactions and XXXX is still charging my card as if I was paying for a month to month subscription when I was initially charged for an annual one.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have been with Capitol One for almost two years now and have never missed a payment. However, I was offered a higher line of credit twice. I started with a {$500.00} credit limit than {$1200.00} and now {$1800.00}. I had a balance of $ XXXX.due XXXX, 2015 of which I paid {$78.00} on XXXX XXXX which left me with a Zero balance owed. Minimum payment was already paid. I also paid {$65.00} XXXX XXXX and {$55.00} XXXX XXXX. ( Interest ). which left me with a CREDIT of {$200.00}. I looked at my account balance last night and from the {$200.00} was as deduction of {$32.00} and that amount? was transferred to my balance owed causing my balance to go back up to {$1600.00} and line of credit reduced to {$160.00} with a INTEREST CHARGE of {$55.00} Due XXXX XXXX, 2015. ( How can Capital One Increase my Balance by taking a payment before it is due and making my balance higher before the DUE DATE? I have not made any purchased since XXXX 2015.ZERO!!!!!
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

This the letter I sent to AMEX on XX/XX/XXXX by certified mail and received no reply. Sent again electronically and they said they had no record I ever had any points and decline to help in any way. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX AMEX Card # XXXX XX/XX/XXXX American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX Dear Madam / Sir : I am writing to request that my AMEX membership points balance ( XXXX as of XX/XX/XXXX see page ( 6 ) enclosed ) be reinstated. I just noticed upon logging in to my account today that my Amex card housing the points # XXXX had been cancelled. I spoke with a customer service supervisor today ( XXXX ) about reinstating my points and he said he had no record that I had any points and, if I did, they would now be forfeited. 
I have been a cardholder since XXXX and have been using the card referenced to house my points from my previous employer corporate cards since XX/XX/XXXX see page ( 1 ) B enclosed. On that day I spoke to an agent about how to keep my XXXX corporate card points XXXX after I separated from XXXX. I had 2 points on my personal card previously ( see page ( 1 ) A enclosed ). See page 2 enclosed stating my points balance of XXXX from XX/XX/XXXX. The agent recommended that I transfer my Corp points to my personal card ( referenced ) and that they would be maintained there, indefinitely, without need to pay a fee or make any purchases. That promise held true for almost 5 years until now. Page ( 3 ) enclosed  shows that this points balance was maintained through XX/XX/XXXX. 
I did receive an email ( see page ( 4 ) from you XX/XX/XXXX XXXX : account closure but I didnt open as it looked like many of the regular emails I receive and I was in the midst of a job transition from XXXX and XXXX at that time. I would have expected a courtesy phone call at least given the XXXX point balance and being a customer since XXXX. 
Note that I spoke to a customer service agent on XX/XX/XXXX ( after the closure email date see page ( 5 ) enclosed ) about transferring points from my XXXX and XXXX corporate card to my personal card to preserve them as I had done before based on your prior recommendation. The agent transferred XXXX points to my personal card resulting in the XXXX points balance shown on my XX/XX/XXXX balance ( see page 6 ). The agent did not mention anything about my personal account was going to be closed soon else I would have immediately taken action to prevent to keep my points. 
I am open to your suggestions re : to how to get my points reinstated. Be it re-opening my personal card account or something else. 
Thanks XXXX XXXX
Consumer complaint received 2020-09-21
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. (TX)

They are increasing the loan overtime without explaining why it is increasing. It is hurting my credit score. It also does does not show the date of last activity. It is inaccurately reporting and they are not in compliance.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Try to access MyEquifax through the following web site. https : //www.equifax.com/personal/ I am able to access lock and alert ( https : //lockandalert.equifax.com/member-center/portal/ ) but can not access my equifax. I am asked to to contact the Customer Care team at XXXX. But can not get a representative. 
I need to be able to access My Equifax so I can access the following information as noted at https : //www.equifax.com/personal/ Sign in to place or manage your security freeze, fraud or XXXX XXXX alert, and disputes. You can also access your Equifax Core CreditTM or myEquifaxTM paid product
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP (TN)

In XXXX a voicemail was left on my mothers phone from this company regarding collection efforts on a red light enforcement citation ( {$50.00} ). This has not been my contact information for several years. At the time the voicemail was left I contacted the company and asked that they contact my direct number ( cell ) and remove her phone number. They did not and continued calling a nonparty to this citation even when having the correct information. I explained my mother was XXXX and recently laid off due to COVID-19.  However, on XX/XX/XXXX they contacted her again. I have yet to receive a voicemail or collection attempt on my correct contact information. Further, this company refuses to settle and also told me they would not accept payment by phone even though their notification letter states they do.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital One checking and credit card account ( for now ). An autopayment was set up to pay the credit card balance but I wanted to pay the entire balance so I set up a scheduled payment instead. The scheduled payment was enough to pay the balance but ... ..Capital One withdrew the autopayment and the scheduled payment leaving me with a substantial overdraft in my checking and a considerable credit in my credit card account. My concerns here are as follows:1 ) If I were to schedule a payment that was in excess of 10 % of the existing balance Capital One would not allow it so why would they allow a duplicate payment of ~60 % of the balance? 
2 ) Why does it take less than 24 hrs to withdraw my money but 8-60 days depending on which of the XXXX representatives I spoke with to get it back? 
3 ) Why if I overpaid the balance on the credit card would I be assessed an interest fee? While they did eventually credit the account for the interest, it seems like this process is set up to systemically drive unsupported fees. I suspect I am not the only person caught up in this less than scrupulous activity.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Betterment LLC (CA)

I applied for a Betterment Checking account on XX/XX/2020. They asked me to upload pictures of ID and Social Security card, which I did, and continued the application on XX/XX/2020. They said " We're unable to open a Checking account for you '', " we were unable to verify the information you gave us '', e.g., address, date of birth, " Unable to match identity to existing records ''. 

The information I provided was correct, which implies that the information they are comparing to is incorrect. 

I asked them to tell me the name and contact information of the consumer reporting company that provided the information used in the denial, but they refused to tell me. I believe this is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I appreciate your help with the spirit of the Cares Act. This issue I have with a mortgage loan with BB & T Bank and applied and received a forbearance for their home mortgage. In the Cares Act it states that when borrower request to end forbearance and begin making the mortgage payments that the lender / service provider : By extending the term of the loan for some amount of time to pay back the missed payments. For example, if provided a six-month period where you dont make a mortgage payment, your mortgage servicer could add six months of payments on to the date when the loan is scheduled to be paid off ( the maturity date ). This would be one form of a loan modification. BB & T on XX/XX/2020 sent letters that they will be able to provide this type of loan modification. Now at this time after talking with BB & T today they are not making this loan modification but they asking for lump sum payment and no loan modification as mentioned before. I was informed this is a recent policy change that affects all home mortgages in forbearance. I have ask to speak to a manager to clarify this and to receive documentation to this effect and still waiting for a reply. BB & T is a local institution and I am requesting someone to reach out to them from your office to discuss this policy change that goes against the spirit of the Cares Act and puts undue burden on anyone in mortgage forbearance.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Hello, My Capital One auto loan was priced at XXXX at a 14.06 % interest rate. I paid XXXX x 63 months from XX/XX/XXXX through XX/XX/XXXX. It was paid off 9 months early at XXXX. However, so far I have paid XXXX. With 9 months left at XXXX the balance due is XXXX. I was also charged for extended warranty which I have documents indicating that I did not request. It appears as if they are going against the Truth in Lending Act and are writting with a crooked pen. Capital One will not answer questions such as ... What interest was I actually paying and if it was compunded daily how much was I being charged for the loan daily? Also, considering that the car was a total loss, Why am I having to pay interest on a portion of a loan repaid early? Attemtping to be recompsense from Capital One auto finance has become excruciating and tedious. Please help. 

Thanks in advance.
Consumer complaint received 2020-09-21
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: EQUIFAX, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-09-21
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. (FL)

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage increased my payment by {$500.00} a month. I received a late notice in XXXX. To cover for this difference, I sent {$1000.00} to cover for both XXXX and XXXX. My mortgage payment is on auto-pay and so the XXXX payment would be short as well. 
Freedom Mortgage received the XXXX payment and as-lied a portion to the XXXX deficit, then applied the balance to principal. They did not apply the {$1000.00} payment but held the funds for 18 days. They then assessed a late charge to my account for XXXX. Freedom Mortgage has receipt of the full payment, yet did not apply it to my account, further they charged a late fee.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On Trans Union a Mortgage account has uploaded and a XXXX XXXX balance has been updated. The issue is that Trans Union has decreased by -45 points! I don't understand whats the matter here, the XXXX XXXX account have decreased by - {$500.00} thats not supposed to decrease my score and the Mortgage has been reduced by 1 %. Instead on XXXX the mortgage is in and it only took off -5 points. Im having this problem constantly, with Trans Union taking downgrading my scores extremely for no reason.
Consumer complaint received 2019-09-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Management Corp (VT)

We contacted RCMC about multiple collections by XXXX Hospital. Some of those collections resulted from Workers Comp. medical fees that had not Ben taken care of by an employer. Once that issues was moved, we made a bulk payment on all the small debts to remove them and started monthly payments on the large ones. To date, all six collections remain active on my report which has caused my credit score to suffer. This has stopped us from refinancing our home for the past two years causing great financial hardship.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX reported that I paid my car loan late in XX/XX/2018 which is inaccurate. XXXX XXXX XXXX offered its customers Disaster relief for the Hurricane and I was granted relief. I made my payment on the date they informed me to start paying my loan again and they incorrectly reported me for late payment to the 3 credit bureaus. I want this removed immediately.
Consumer complaint received 2019-09-01
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: EQUIFAX, INC. (FL)

Been trying to resolve this problems first with the creditor and also with equifax. 

INQUIRIES : 1 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 2 XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXXXXXX 3 XXXX XXXX XXXX XXXX # XXXXXXXX 4 XXXX XXXX XXXX XXXX  # XXXXXXXX 5 XXXX/XXXX XXXX/XXXX # XXXXXXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX
Consumer complaint received 2019-09-02
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 -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Data Corporation (CO)

On XX/XX/2019 a payment was made from Money Network Financial LLC., ( XXXX XXXX XXXX XXXX ) for the amount of {$590.00} sent to XXXX XXXX ( XXXX XXXX uses XXXX XXXX as a third party for on payments ). The amount for {$590.00} was never applied to my XXXX XXXX account. 

My attorney wrote to XXXX XXXX and response was that they never received the funds from XXXX XXXX. 

I wrote to CFPB via XXXX XXXX and response was they same I wrote to CFPB via XXXX XXXX and they pointed the finger towards Money Network Financial, as never receiving the funds. 

Please respond as this is very important as part of Discovery.