davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

During the XXXX Pandemic I did not take XXXX dollar of unemployment or XXXX  funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the XXXX timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- 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.
Consumer complaint received 2024-07-09
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)

Received a response from XXXX over at XXXX XXXX XXXX from my regarding of validation issues and I ask for her to truly verify what she is stating she states that everything was reporting accurate and everything has been accurate from start to finish. Everything has been true and there was never no lies or mistakes being reported onto my credit report to harm my credit rating or well being .. so I ask for her to show me and provide evidence on what she stated since I did but she could not. 

So for the account and its reporting I ask for her to fully provide evidence of what she stated From Names, balances, accounts status, active history, transactions history, last payment dates, statute of limitations times for the state of MI, and also the statement made that the account was open and never was closed also I ask her to provide all evidence that her and the company she works for which is XXXX XXXX XXXX still is and was complying with all applicable federal and state of mi laws. 

I provided all evidence on my end and communications showing her responses from her company and the reporting from them and the bureaus for her to prove to me everything is 100 % true. Back up your statements
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a formal complaint against Nationstar Mortgage. My loan is under the Making Home Affordable Modification Program. On XX/XX/XXXX, I received my monthly statement ( Exhibit A ) with an important message : " Congratulations! You have earned {$9800.00} in Pay for Performance incentives. Per the Making Home Affordable Modification Program guidelines, this amount has been applied to your mortgage loan as principal payment. '' That message is attached to my monthly mortgage statement every month until XX/XX/XXXX ( Exhibit B ) after which they transferred my loan to another lender. 
I have contacted Nationstar Mortgage multiple times and spoke with an agent and they all promise me that they will apply the incentive but was never done. They promise me that they will follow-up, but no return call. I called them again, but they intentionally hang up on me after being transferred to another line. After that, I received a letter that my loan had been transferred to another servicer XXXX ( Exhibit C ) and to a new lending company XXXX XXXX-1 ( Exhibit D ). 
Attached is the Detailed Transaction History ( Exhibit E ) from Nationstar Mortgage LLC, which shows nothing was applied as principal payment for the year XX/XX/XXXX. I also attached XX/XX/XXXX Form XXXX ( Exhibit F ) which reflected the principal payment applied to my loan due to my monthly mortgage payments only. 
My biggest concern is that the amount I am entitled to with regards to what I earned as Pay for Performance incentive was not applied to my loan as principal payment. I also demand that if they transferred me to another lender that the same amount be applied as reduction to my loan principal.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I saw an email come through stating that I had placed an order on Kohls for XXXX XXXX on XX/XX/XXXX. I immediately contacted Kohls at a little before XXXX EST. I told them this was a fraudulent purchase and asked them not to ship the item. They said it was too late and that I would have to return the item to the store when it arrived, which I did. I then asked for the credit card account number to be changed and a new card to be sent. I received two new cards with the same account number. Today I saw an email reminder that I had a bill due and there was a balance of {$63.00} on my account. I called and asked why there was a balance because I returned the item. They said that I used the Kohls cash that was awarded when the purchase was made. I informed them that this was a fraudulent charge so the Kohls cash should have been immediately canceled and that I returned the item without using the Kohls cash. I asked them to give me a credit to my account as I shouldn't be held accountable for someone else using the Kohls cash since I told them it was a fraudulent charge on XX/XX/XXXX and the Kohls cash couldn't be used until XXXXThey said there is nothing they could do regarding the balance, but they could give me Kohls cash in it's place. I accepted this as the bill is due today and I didn't want to then be responsible for a late fee on top of this. The entire process has been a nightmare. They should have been able to cancel the order and not ship it out since it had been less than 24 hours, they should have canceled the Kohls cash since it was attached to a fraudulent charge, they should have been able to send me a new card with a new account number instead of duplicate cards, they should have been able to credit my account the balance so I didn't have to pay. Now I have Kohls cash that I need to use and haven't shopped at this store since XX/XX/XXXX.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Re : XXXX Dear Capital One : The following account was charged off by Capital One on XX/XX/year>. I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay 10 % of the {$1000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$100.00} payable to Capital One in exchange to have all information related to this debt removed from all of my credit files. 
If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Capital One. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above. 
Sincerely
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (GA)

Hard inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX  party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such XXXX  party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year> at approximately XXXX, I attempted to make a {$300.00} withdraw from my checking account using the ATM. This Bank of America ( BOA ) location is one the I frequently use due to it being closest to my residence. I inserted my debit card and the ATM produced a prompt on the monitor with this message. " Your transaction can not be completed. The machine has malfunctioned and your card will not be returned ''. I was furious because the machine kept my card and I was leaving for South Carolina to make a purchase from a private individual. I was forced to use a credit card cash advance option after I arrived at my destination. I returned to my local area and went directly to a BOA to discuss my issue of losing my debit card. Teller informed me I should call customer service. Customer service rep stated it would be possibly a week before receiving my replacement card.I refused to wait a week for a card since the bank owned ATM caused the problem. The rep advised she could expedite the delivery of my card for a {$15.00} fee. What a scam!!! The banks and their frivolous fees which penalize their customers for their inadequate service. The bank did have my card delivered the next day but that isn't the issue. Forcing the customers to pay any fees when the root of the problem was their faulty equipment. BOA did deduct the {$15.00} fee from my account. If this isn't overturned, I will close my account with BOA!!!!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX & XXXXXXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 60 days 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 XXXX 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 8
Consumer complaint received 2024-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

XX/XX/year> I have loans with Mohela. I was forced to change to their new loan servicing platform. Before the change I was told via a document they sent : " This change in loan servicing platforms will not impact the existing terms, conditions, interest rates, or available repayment plans of your federal student loans ''. 

However, because of this change to a different platform, all interest I had has now capitalized without my consent. It was almost XXXX XXXX in interest, so this is a big deal, and I obviously do not want this to happen. I just got off the phone with them and am waiting for a call back from a supervisor. The person who was helping me searched and searched for a written reason why this would have happened, and she came up with nothing. It is a mistake and they are not allowed to capitalize my interest just for switching me to a new loan servicing platform. BUT THEY DID. It is criminal.
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I called Chase ( XXXX XXXX ) about XXXX coverage. I purchased my car directly from XXXX XX/XX/year>, through XXXX XXXX and XXXX coverage was never offered or available to purchase. I asked to add this coverage, and was told that I could offer it through XXXX directly. After being on hold for XXXX hours, I found that they are referring me back to XXXX XXXX and Chase. When I called back they said it was not an available option and the dealer who sold me the car would have had to have added it then. I didnt purchase from a dealer, so that obviously was not an option. The fact that XXXX XXXX and Chase had/have no option is negligent, especially now knowing that these cars are practically worthless and if XXXX in an accident I we be under about $ XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-16
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. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (GA)

This veteran needs your help. I believe while I was in the VA Hospital, Wells Fargo Home Mortgage stole my money, cant account for the funds and have not accounted for the funds in my account. 

I requested assistance concerning Wells Fargo Home Mortgage charging me fees for an Unpaid Second Principal balance in the amount of {$1200.00} and some category titled other fees in the amount of {$850.00}. You will see XXXX checks : Check # XXXX in the amount of {$1200.00} and Check # XXXX in the amount of {$850.00} paid to Wells Fargo Home Mortgage. 

I dont believe I owe them this money ; however, XXXX paying them because XXXX tired of them hanging this debt over my head. I requested Wells Fargo Home Mortgage to investigate my payments because I never missed a payment and they state that I missed a payment in XX/XX/XXXX ; however, they show I made double payments in XX/XX/XXXX and XX/XX/XXXX. This is most certainly a case for the Consumer Financial Protection Bureau ( CFPB ) due to damages for incorrectly charged fees. 

They ( Wells Fargo ) created a bogus phony Customer Account XXXX XXXX XX/XX/XXXX. The incident was in XX/XX/XXXX ; however, they just created a fraudulent statement to show as if I missed payments. XXXX XXXX XXXX Bank can verify that Wells Fargo receives automatic payments every first of the month. In addition, I have years of missing unapplied funds which shouldve gone to paydown principal balance. Lastly, my interest rate after the bankruptcy was supposed to have been a FIXED 2 % XXXX percent rate for the duration of the loan. 

XXXX extremely disappointed because I was duped by Wells Fargo Home Mortgage. I signed up for relief during the COVID crisis in XXXX ; however, I NEVER USED THE PROGRAM. I continued to make payments out of my XXXX account. Wells Fargo received the monies ; however, didnt apply it to my account. 
I request EVERY loan document and all paperwork affiliated with my Home Mortgage with Wells Fargo and/or any of her affiliates associated with this loan. 

I request Wells Fargo audit my account ( especially focusing on XX/XX/XXXX thru XX/XX/XXXX and beyond ) refund me any monies due and reduce my mortgage to its proper amount. 

I request Wells Fargo honor the 2 % fixed interest rate reinstatement for the duration of the loan. I request Wells Fargo to correct these matters immediately and make me whole. Thank you in advance for your assistance. 

Respectfully submitted.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upstart Holdings, Inc. (VA)

Applied for on-line loan. They said they weren't able to send electronic so they sent me an electronic PDF checks. The first one my bank advised not able to cash because they weren't able to process so they deposited into my savings, which bounced. I advised them and they said it was because it was in savings instead checking so they sent another PDF and said to be sure my bank deposits it into my checking and not the savings, which they did and it bounced. I notified them if this and they insist that my bank is refusing the electronic deposit from them, which I find hard to believe. My account has been accessed {$80.00} in NSF fees along with a daily {$5.00} fee for the negative balance.
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

Company is dragging their feet in lieu of a CFPB complaint. They know that the debt is paid, yet they refuse to update their records in order for me to be able to generate a lien release letter.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

My credit card payment due date to Wells Fargo is due on the XXXX of each month. I have been charged {$40.00} on the XXXX of each month for late fees since XXXX. On top of an added monthly interest fee. {$240.00} in late fees ytd. I make payments every month, but with interest and late fees, My balance never goes down. How are these banks charging {XXXXXXXX XXXX late fees on the actual due date?!! Help!