davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I recently made a credit card payment to Citi online for {$2400.00}. As you can see on the screen shot that by making the payment in the amount of {$2400.00}, it would pay off my remaining adjusted New Balance + Flex Plan Monthly Payment. 
Please refer to XXXX Statement 2024 page 2 that shows my New Balance Breakout Adjusted New Balance : {$2600.00}. I also highlighted on that page my monthly Flex Plan amount requirement of {$290.00}. 
If you will open XXXX. Statement 2024 and go to page 2. You will see that I made 2 payments before the XXXX statement was issued. The total of said payments equals {$2900.00}. If you subtract the monthly Flex Plan payment of {$290.00} the remaining amount is {$2600.00} which was the remaining balance on my Adjusted New Balance listed on the XXXX Statement 2024. 
I contacted Cit on XX/XX/2024 after receiving my XXXX statement as it showed that I still owed money on the Adjusted New Balance. I requested a supervisor after the customer service rep did not listen to my complaint and only kept repeating what the credit card statement says. She would not listen to the fact that the credit card statement wording was null because the payment screen gave me the option to pay off the adjusted new balance instead of the extra payment going to the flex payment plan. 
The supervisor was not helpful either continuing to say basically the same thing that the customer service rep did. Towards the end of the call the supervisor said that I would receive a determination letter regarding my request. That there was no guarantee that they would make good on what they offered. I would get a decision in 3 to 5 days after my account was reviewed which is unacceptable. 
I was on the phone for 24 minutes with Citi and my issue was not resolved. I did inform the supervisor that I would be contacting the XXXX Attorney General, XXXX XXXX XXXX  and the Federal government if they didnt not correct this error. 
Citi is being deceitful, and their credit card accounts should be audited because if this happened to me then they are doing this to other borrowers. Please feel free to request my call log from Citi to show that I tried to explain to them the issue and it fell on deaf ears. You will hear as I get more frustrated as the call goes on because they are not listening to the facts.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DIGITAL FEDERAL CREDIT UNION (NC)

Attention XXXX XXXX : I applied for a Credit Card on XXXX and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( s ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e False and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities Fraud. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M.A.R.S., Inc. (OK)

I first disputed the account regarding the balance of {$1700.00}. I advised not even the rent was that amount or close. The lease was broken due to unlivable conditions, which Oklahoma law permits without penalty can be done. I supplied a video link of the living conditions in question. Other fees assessed are incorrect as the property has not supplied any evidence to support the additional cleaning or fees from cleaning the property after it was vacant. I request for deletion of the Collection account from MARS with the balance of {$1700.00} from my credit report. No deletion occurred. I submitted a second request with the following comments : Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, This company has no permission to report anything using my info pursuant to 15 USC 1681 4. Again, the account was not deleted.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( XXXX ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of XXXX to Dispute Account : According to 12 CFR 1006.34 ( c ) ( XXXX ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of XXXX Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. XXXX XXXX XXXX to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. 





Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (WA)

WHEN I GET BILLING STATEMENT, I SEND THE AMOUNT STATED. NEXT STATEMENT IT SHOWS PAYMENT IS SHORT OR MORE. I ASKED WHY & CALLING THEIR CUSTOMER SERVICE DEPT. IS POINTLESS, NO HELP!! SO NO CHOICE BUT TO FILE COMPLAINT WITH YOU. AFTER LAST COMPLAINT, THEY SENT LETTER SAYING " INCORRECT CALCULATION OF INTEREST DUE " & ANOTHER LETTER " MY ACCOUNT WAS UNDERBILLED "!!!!!! EACH MONTH I DON'T KNOW WHAT MY PAYMENT IS!!!! I ASKED WHY CAN'T I GET A REGULAR, SAME PAYMENT STATEMENT, SAME AMOUNT EVRY MONTH INSTEAD OF THIS BABBLING, MAKES NO SENSE LETTERS EACH MONTH THAT SAYS NOTHING!!!!!! HOW IS IT POSSIBLE TO HAVE A LOAN, MINE IS 10.12 % A MONTH ON {$130000.00} LOAN, THE SAME AMOUNT MONTHLY???? WHY IS IT DIFFERENT EVERY MONTH, THE INTEREST DOES NOT CHANGE MONTHLY SO WHY THE DIFFERENT PAYMENT EACH MONTH??????
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One charged us interest even after we paid off the balance and closed the card. 

We had a balance of {$20000.00} as of XX/XX/24 on our credit card. Using Capital Ones payment portal, we selected the pay of balance entirely option and paid that amount. 

On XX/XX/24 we were charged {$62.00} in interest on a card completely closed and paid off. 

We called today XX/XX/24 and were told that we were charged daily interest from the last interest charge of {$310.00} on XX/XX/24 until the payoff on XX/XX/24. 

There was no notice, indication, or warning that there was more pending charges after their payoff amount. The supervisor on the phone said this was the last interest payment and we wouldnt be charged further. She later conceded that if we dont pay the interest by XXXX we would be charged late fees and interest on top of that. 
The interest charge also came earlier than the previous month. 

There was no way given or told to us to know the final interest charge exactly. Even if we called they still wouldnt know the exact amount. They offered no way of reconciliation.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LD Holdings Group, LLC (NJ)

Loan Depot had a cyber attack issue causing their system to shutdown and 2 hour waits on the phone. Due to this customers were not able to make their XXXX payments online. I tried for several days to make the payment with no luck and eventually assumed payment would be due together with XXXX payment. Apparently their system opened back up on XX/XX/XXXX and they said they notified everyone by email. Theres no proof of such notification and I never received it. On XX/XX/XXXX Loan Depot reported my payment late and notified the credit beaureus. Although Ive never been late on a payment and this was caused by their cyber issue.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I did not give Equifax consent to furnish the enclosed Accounts, nor the related data associated with the Accounts, on my consumer report. According to the Consumer Credit Protection Act, 15 U.S Code 1681b - Permissible purposes of consumer reports, subsection ( a ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. Since Equifax furnished the enclosed Accounts, with their related data, on my consumer report without my consent, Equifax has violated my privacy as a protected consumer. No consent is identity theft and misuse of my non-public personal information. Also, since subsection ( a ) of 15 USC 1681b is subject to subsection ( c ), Furnishing reports in connection with credit transactions that are not initiated by the consumer are limited to : ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor. The enclosed accounts furnished in my consumer report include relationships and experiences with different creditors and is a violation of the Consumer Protection Act. As a result of Equifax 's failure to comply with the Consumer Credit Protection Act, 15 USC 1681b, my unalienable right to pursue happiness has been hindered. I have been denied access to purchase an automobile, perform much needed repairs on our home, and set up infrastructure for a new business venture because of Equifax 's willful non-compliance. As a consumer protected by the Consumer Protection Act, I demand for Equifax to remove only the accounts enclosed in the attached document from my consumer report IMMEDIATELY!
Consumer complaint received 2024-07-03
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. (MD)

On XXXX XXXX I received an alert on my credit report of a new XXXX XXXX, which i have never had XXXX XXXX I called XXXX and reported the fraudulent collection and opened a FTC report and submitted everything to XXXX and disputed it with all three credit bureaus, but yet somehow XXXX can not find the account or anything under my name. Yet the credit bureaus keep saying that it is accurate and verified. Can someone please explain this one to me?
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

My wife and I have Parent Plus loans for our children. This past XXXX, I was inquiring about the SAVE plan to get lowest payments. We asked very detailed and pointed questions and they said to consolidate all the loans. I did as they said but then found out about the Double Consolidation method to have Parent Plus loans be able to get on lower IDR Plan, instead of ICR Plan. Based on my calculations, the IDR plan would cost about XXXX XXXXXXXX or so as opposed to XXXX XXXX, currently. They are supposed to provide advice as it is very hard to figure out all the steps needed. I was misled and need to re-consolidate so i get the IDR through double-consolidation.

My issue is that college bound children are limited by FAFSA loans. The bulk is taken up by the parents so we should be eligible for IDR, under SAVE. That would only be fair as parents do not have financially feasible options with price of colleges, as I sent my kids to all state colleges. Plus, the calculations for ICR do not make sense, with the poverty level calculations as the middle class feels the financial hit.

What can you do to help so that I can consolidate the Parent Plus loans so that I can pay my monthly fee and not default due to high fees.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ID)

In XX/XX/year> Social security administration erroneously reported me deceased by a mistake made by an employee at the social security administration. Since this mistake with the social security administration every one of my credit cards except for 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) closed and charged off immediately following of this reporting of me being deceased as I was current on all my payments and was false closure and charge off my credit cards. These credit cards are with XXXX XXXX XXXX  card ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  claiming on all accounts timely payments were not made which is in fact untrue as all these credit cards were closed not allowing me to make my timely payments as of XX/XX/year> when I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was current on all these credit cards listed above prior to closing of accounts as of XX/XX/year>. I have called Midland credit management on numerous occasions requesting a dispute with no response to my dispute. These were also referred to their attorney for further collection/legal action to XXXX XXXX XXXX and I called XXXX and requested also to dispute these collections on all 3 credit cards as it was current due to closing of cards and was violating my FACTA and FDCPA rights for not reporting true and accurate information about my debts and was wrongfully charged off with the original collections. I have begged and pleaded to dispute and seek resolution on these debts with Midland credit management and XXXX XXXX XXXX on numerous occasions and now I am with an legal judgement on these with no right of disputing these claims. I have since recently retained counsel with XXXX XXXX XXXX and was advised by counsel to attempt to seek resolution by filing a complaint through CFPB. Thank you.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly associated with me without my knowledge or approval, causing significant distress. As an identity theft victim, I've reported this incident. This urgent matter needs immediate attention due to its negative impact on my finances and reputation. I request your swift removal of all fraudulent information from my credit report and a thorough investigation. I'm ready to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation.
Consumer complaint received 2024-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (AZ)

3 separate partial claim documents on 3 separate occasions. I have requested incorrect calculations and escrow withdrawal for lender placed hazard insurance unlawfully on multiple transactions to be corrected and refunded. Including correcting inaccurate balances to be corrected on partial claim documents. They have refused to make corrections of there mistakes. Jeopardizing Covid-19 partial claim and Haf assistance to be able to reinstate mortgage loan. Also charging me fees well I wait for corrections that never happen. In my closing of escrow documents it states that for the loan to close one year of the proper Hazard insurance be provided enabling the loan to close. Therefore my loan with Midland Mortgage would have never closed escrow if they did not have these documents to do so. Nonetheless I was charged for lender Place Hazard insurance 10 times. My hazard insurance is the same exact policy the entire duration of said loan. These fraudulent charges including fees needs to be refunded immediately. Fraudulent comes into play after repetitive withdrawals. Midland Mortgage has the closing of escrow documentation same as me. Not to mention they should know their own contract. The fact that they have refused to make Corrections of their mistakes and in turn affected my covid-19 partial claims and half funding while charging me fees will they refuse to correct their mistakes is absolutely unacceptable and the repetition of it including the refusal to fix makes it fraud with intent to defraud. Due to the multiple notice of errors sent and received my Midland Mortgage. Including live Midland Mortgage Teller Communications of the problems. That of which are documented and recorded. This also involves RESPA violation for mishandling of escrow account.