davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (FL)

I received reviewed my credit report. I discovered that I have a late payment error on a loan that is paid off with " Universal Acceptance Corporation ( UAC ) ''.

Its a loan from Carhop " Interstate Auto Group ''. 

I REQUEST A REMOVAL/DELETION ON THE 30 DAY LATE PAYMENT. 

I REQUESTED A FULL AUDIT OF ALL PAYMENT TRANSCATIONS. 

I requested that my consumer/credit file to updated as I was never 30 late on my payment.

I asked " Universal Acceptance Corporation ( UAC ) '' a detailed audit of all my payments online or mail.

I asked have return checks copies that in the past " Universal Acceptance Corporation ( UAC ) '' refuses to applied to the principal of my loans. Cause it deem too little of a payment.

Carhop " Interstate Auto Group ''. in XXXX was penalized by CFPB {$6.00} XXXX penalty for jeopardizing consumer Credit. 

Universal Acceptance Corp/ Insterstate Auto Group inaccurately furnished information for more than XXXX accounts from XX/XX/XXXX until present day. 

I believe I'm a victim of the same tactic. 

I BELIEVE THAT WHEN A PAYMENT IS COMPLETED ONLINE IT TAKES 3-5 BUSINESS DAYS TO POSTED. NOT REFLEXING ON THE DAY IT WAS CHARGED FROM THE CONSUMER ACCOUNT. 

I believe this is a tactics to cheat consumers with late payment fees, interest etc. 

'UNIVERSAL ACCEPTANCE CORPORTATION '' / INTERSTATE AUTO GROUP ARE VIOLATING 15 U.S CODE 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

I REQUESTED A REMOVAL/DELETION OF MY LATE STATUS AND REPORTED TO ALL CREDIT REPORTING AGENCIES.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MA)

Earlier this year I received correspondence from Stillman Law Office, attempting to collect a debt for the amount of {$4800.00}, ( reference # XXXX ). A notice of Dispute and Demand for Validation and Proof of Claim per [ 15 USC sec. 1692 ] was sent to XXXX XXXX XXXX, XXXX XXXX. Included in the correspondence was a request to respond within 30 days of receipt. That correspondence was never answered, but I continue to receive more correspondences from said entity attempting to collect the debt. On XX/XX/year> a Conditional Acceptance Letter was sent to said individual ( Registered Mail No. XXXX XXXX XXXX XXXX ) which was received by Stillman Law Office on XX/XX/year> at XXXX XXXX. This correspondence also stipulated to be answer within 30 day of receipt, but was also ignored. Once again after failing to responded within specify time, I continue to receive additional correspondences attempting to collect said debt. On XX/XX/year> a Cease and Desist Letter was sent ( Registered Mail No. XXXX XXXX XXXX XXXX XXXX ) and was received by XX/XX/year> at XXXX XXXX. This correspondence also stipulated to be answered within 30 days of receipt, but no response was ever received. On XX/XX/year>, I receive yet another correspondence still attempting collect said debt.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I came across multiple situations, where Wells Fargo Bank denied an instant credit of funds, which were sent over to me via XXXX. 

Yesterday, on XX/XX/2024, a XXXX transfer of XXXX dollars was sent over to my checking account at Wells Fargo Bank. The funds were sent at around XXXX XXXX XXXX. As of now, the transfer is in the pending status, awaiting a " verification '' from Wells Fargo. When I called the bank that day at around XXXX, I was given a generic response, that for " various reasons and security purposes '' the bank needs to verify the transaction and they can not do anything to help me. 

An exactly the same situation happened on XX/XX/2024, when Wells Fargo Bank held back for verification another incoming XXXX transfer of XXXX dollars. The so called verification took over XXXX hours. 

To find out what's going on, I asked a friend of mine to make a test XXXX transfer of XXXX dollars to the same account. This transaction is also now pending " verification ''. Screenshot attached. 

I asked another friend of mine, who happens to have an account with Wells Fargo, to try to make a XXXX transfer from her Wells Fargo account to my account at ANOTHER bank. And she received a message from Wells Fargo saying : " Unable to send payment. For your protection, we're unable to send this XXXX payment ( screenshot attached ).
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Around the end of XX/XX/year> I got notice from Citibank that a credit card I had had an annual fee renewal coming up. I hadn't used the card in a while so I called to cancel the card. The agent who answered the call suggested that I convert the card to a no-fee card so that I could maintain the miles. That sounded fine since I wouldn't have to pay a fee, so I said yes. 

A week or so later I checked my online account and saw that there was an annual fee charged on my card, despite having changed to a no-fee card. I called immediately to address the issue. The agent who answered the call told me that the charge will be refunded and taken off so I wouldn't be paying anything. 

Today ( over a month later in XXXX ), I got a letter in the mail that said I owed the annual fee and it will be drafted from my account ( I have auto-draft ) in a couple of weeks. I checked my Citi mobile app and indeed the charge remains. I went into the chat function of the mobile app and asked about this charge. They said I would still have to pay the fee and that I would be refunded 51 days later. 

Now the main reason I wanted to cancel in the first place is that I didn't use the original card much at all. So now I have a {$99.00} fee I have to pay now that I didn't plan for. Even if it gets " refunded '' later, that is in a billing cycle where I might not even use the card. And again, I originally wanted to cancel the card in the first place. This feels very much like a predatory practice and betting on my not paying the {$99.00} to charge additional interest when I shouldn't have to pay the {$99.00} in the first place.
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account # XXXX XX/XX/XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing an open account with a charge off.

I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments but it was in good faith. In XX/XX/XXXX, I lost my job which devastated me and I wasnt able to maintain by trying to make ends meet. 
I struggled to maintain my financial obligations and had late payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-02
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP. (TX)

When making my XXXX payment late online through their portal I selected an old account resulting in my payment bouncing. I wasnt aware this happened until I received a letter about a payment not being processed from my bank almost a week and a half later. I went in to the online portal to resubmit the payment through XXXX online portal and by phone and was told my access was taken away. I was then told if I had to contact my loan manager XXXX for payments for a XXXX month period. I spoke with XXXX XX/XX/year> to make my payment by phone. He then transferred me over to his supervisor who verbally harassed and insulted me asking my house hold income and why I have no excuse to have ever made a payment late. At this point my only options to make my payment are over the phone where I will be verbally harassed by 21st mortgage representatives and account managers. Their website never works early in the morning or before XXXX XXXX XXXX XXXX for online payments. Now that I made one payment late They have frozen my online and pay by phone option, and if Im late again they said my only payment option will be online wire which will lead to additional fees for me. This company is ridiculous and their online complaints show the same. I want my online payment access back and I want their website to work.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ME)

For two months now with no new negative information Experian has downgraded my credit rating. 
From XXXX to XXXX. 
Over the same period XXXX  and XXXX have upgraded me to XXXX. 
The only difference in my report is that I have paid off all debt except house. 
They have tried to get me to give them access to my bank account to have their experian boost bump my score but it doesnt seem to work for my bank. 
If they are downgrading me because experian boost doesnt work they dont get to do that. 
Why is XXXX downgrading me with nothing but good things happening? 
Why dont they have to explain to me their logic or lack thereof.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (NC)

Capital One Card failed to investigate and act on the facts of this dispute, Capital One, Case # XXXX : Fact # 1. ) On XXXX, I XXXX XXXX attempted to purchase a PRODUCT ( XXXX XXXX XXXX XXXX ) online from this merchant, XXXX XXXX XXXX, at the price of {$39.00}. 

Fact # 2. ) I, XXXX XXXX telephoned thisXXXX  online merchant- within XXXX minutes after my Capital One Card was charged for {$270.00}, instead of the expected {$39.00}, I spoke with the merchant 's customer service representative, XXXX who stated that she was having a problem with her computer, and could not send the cancellation email at that time, but stated that she would email me the cancellation confirmation to show the credit to my capital One card for the {$270.00}, with-in XXXX hours. 

Fact # 3 ) On XXXX, I properly submitted a dispute for this illegal charge of {$270.00}, by XXXX XXXXXXXX XXXX, with Capital One Card - after 10 days had passed, with no email from the merchant, nor no credit for the {$270.00} appeared on my Capital One Card as promised by the merchant 's customer service representative XXXX. 

Fact # 4 ) On XXXX Capital One issued their so-called update on my dispute with XXXX XXXX XXXX stating that the merchant had provided information to support the transaction : Statement from the merchant, ( " Confirmation showing no cancellation per policy was received, '' ) and they were reapplying the charge to my account, 30 days after I submitted my initial dispute, of the {$280.00} illegal charge. Capital One further stated that if I wanted to continue with the dispute, I would have to send a letter with certain information and documentation prescribed on their update letter, within 14 days, by XXXX ( This requirement was complied with. ) Fact # 5. ) Capital One 's notice letter to me to respond to the merchant 's reply to my dispute, by XXXX. This date allowed me less than 14 days to prepare my response and gather the documentation that would show proof of my cancellation telephone call to this merchant. Thus, I complied with Capital one 's required procedure for my dispute. 

Fact # 6. ) Cap One Totally disregarded all documented factual proof I had sent to them by their deadline of XXXX. 

Fact # XXXX. ) Capital One did not comply with their own terms and agreements as stated per their stated policy on the Capital One statements. ( *See Capital One XXXX ) Fact # XXXX ) I see no need to upload any documents here, as Capital One already has all documents sent to them related to this case. 

Capital One Case # XXXX
Consumer complaint received 2022-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

For a long time now, I've been trying to purchase a home. I've been monitoring my credit scores frequently. My fico score shown on the Experian website was near XXXX. I decided to give Experian XXXX a try and accidentally added my husband 's information. I immediately disputed it as I had thought I was signing on to my information. Today XX/XX/2022, I notice that the score went down around XXXX points. I decided to give Experian a call as they are the ones who reported and the system shows me several reasons as to why it might go down. One of the major changes it found was that my available credit was XXXX and went down to XXXX. Shown on my credit cards, my limit doesn't pass XXXX. This means that the system is remembering my husband 's information and using it to calculate my score. 

I spoke to someone by the name of XXXX. XXXX was helpful at trying to offer me vague explanation as to why it can go down. Not giving me specific information pertaining to my credit. After him being unhelpful, I asked him to give me his last name and he says " I don't have a last name, you need the dispute department ''. I informed him that I don't need to dispute anything as I haven't done anything to my credit for it to go down. I havent purchase, I havent paid anything, and I havent had anyone look into my credit. I wasn't asking for them to give me a XXXX point lift. I just wanted an explanation of what happened and if not to please review. According to XXXX, their system is automated and can not accept changes. 

After him transfering my call, I speak to Manager XXXX who instead of trying to help, decided to play a blame game and put the fault on me for adding my husband 's information. She said that I didnt read when i signed up. she asked if i had any other questions. I asked if she could tell me what the FCRA was and she told me to contact a lawyer. These people are supposed to confirm information before they add to a credit report. This doesnt happen.
Consumer complaint received 2024-10-30
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX due to the covid 19 pandemic in NoveXXXX off 2020 ... I had no work doing this times ... the country was at a stand still for a long time... I can't prevent an act XXXX XXXXXXXX  up to this day o don't even know which one it was ... after I couldn't make any payments ... up to date ... I'm still struggling. I'm sorry.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AL)

I noticed my phone started acting weird around mid XXXX and I also noticed that a lot of attempted transactions were happening on my Cash app. I called Cash app. They reassure me that I was just being in their words delusional then money started coming missing him as soon as I file a dispute within minutes, it was denied. They told me that it looked like I paid that person before Ive never seen those names a day in my life transaction have an XX/XX/XXXX of XXXX for {$100.00}. It was Cash app to Cash app the second transaction happened XX/XX/year> for {$110.00} to a cash app called scam likely. The last one happened. XX/XX/XXXX to another cash app to cash app called XXXX  XXXX for {$100.00}. The weird thing about this one is it did to have my nickname in the notes, which is XXXX XXXXXXXX with a theory emoji at the end I brought it to cash app. I was also charged {$250.00} for a gas bill that was not in my name. I brought that to their attention. I showed them the bill. I showed them my ID and they still denied the dispute and closed my card. Cash app or really a bunch of bullies They disregarded me every time somebody ask a question they will give me the robotic reply. Well, if theres anything else that I can help you with besides this. And then immediately in the chat or just hang up in my face at a certain point, I decided to just give it up until I started doing some research and find out that I can file a complaint. There are so many more transactions unauthorized that happened with my Cash app I just did not have the energy to go back-and-forth with them knowing that Im gon na be disregarded.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (DE)

VALIDATION AND CEASE AND DESIST Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Dear Southwest Credit Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.