davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one bank does not want to release all of my payroll checks. They have been holding my money and froze my account since a XX/XX/XXXX. They released part of it, however not all of it, and they claim to be investigating the account, however this does not give them any rights to my payroll checks. At this time I need my {$1100.00} released and they need to give it to me now- I was fired because of this issue.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had this account over 10 years. Never charged a late fee. They charged me a late fee, refuse to credit and can not explain the factors that would allow them to credit nor why they refuse to credit my late fee of {$29.00}. Had the nerve to offer my payment options as if the account is not getting paid vs simply crediting the late fee for a good customer
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (RI)

XX/XX/2024 I made an extra payment of {$5000.00} to go directly to XXXX  and they are not applying it correctly because I also made my regular payment on XX/XX/2024 {$1300.00} when I check my account is charging my initial debt the same. I have been calling since XXXX and I have not been able to get a resolution. 
Today I checked my account again and it says I have to pay until XXXX taking that payment as a regular payment.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

I checked my LexisNexis XXXX XXXX in XX/XX/year>, and found multiple errors. I have disputed all the items, and they have not taken them off the report yet. These are items that should not even exist. There are addresses associated with my name that do not exist in the world. They have me listed with a drivers license in Florida. I have never been issued a Florida Drivers License. They have my mother listed as my spouse. The number of errors are frightening. The data accuracy can not be over 50 %. This company should be investigated and shut down. There is now way to verify they have removed the incorrect information. They keep sending a new report with the incorrect information, and never take it off. The only way to dispute an item is to call in, and the wait time is over an hour each time you call.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (SC)

My payment is XXXX XXXX of each month if im late its like 5days i was late about 2 times since i had loan my promblem is young lady XXXX me leaving XXXX  message like she left message this morning saying you didint have problem getting money but you have problem paying i told her i get get parrtime job help me with bills her respond that not ill problem you had get another job she has no respect and tone in her voice very nastyshe not professional i feel im the only one she be harassment im having real hard time
Consumer complaint received 2024-09-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

Amount reported is inaccurate. I am not the original owner of the account. I have provided the name of the original owner XXXX XXXX. I have asked them twice to verify the account with no success or response.
Consumer complaint received 2024-06-27
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP. (IN)

XX/XX/XXXX I submitted my payment for my mortgage online, On Monday it had still not cleared my bank. I called to make sure everything went through and they told me it had. 
2 days later they contact me and said it was declined by my bank for insufficient funds. 
I ensured them the funds have been there, because the first time this happened I was required to overnight XXXX XXXX payment to them, which is {$44.00} a transaction. 
The supervisor told me I need to either make more money or have less debt because there is no reason I should not be able to make my mortgage payment timely. 
I sent in screenshots from my bank where they state that the transaction was never attempted. 
They are refusing to let me pay online and requiring me to XXXX XXXX the money over to them monthly.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

We successfully disputed our tax obligation, resulting in a property tax reduction. This reduction resulted in an XXXX overage in XXXX of over {$1700.00}. This disbursement was never mailed to us by Shellpoint, our mortgage servicer ( account XXXX ). I called their customer service representatives on our around XX/XX/XXXX to inquire why the check had never been sent. I was told they don't know why it was never received, and said they would issue a new one. Two weeks later, on XX/XX/XXXX, I called again. I was told the check was cancelled for some " unknown reason '' but they would initiate a direct deposit for the refund. When it still had not been received, I called again on XX/XX/XXXX. I was told they didn't have enough information and needed the direct deposit account numbers again. I again provided that information. After still not receiving a deposit, I called on XX/XX/XXXX and was told the refund was cancelled because the account is past due. I explained that I needed that refund to help assist in getting the account current. I was told it is " Shellpoint 's policy to not issue escrow refunds unless an account is current ''. I told the representative the law requires them to return any overages within 20 days by law, but they've held the refund now for over 120 days. The representative argued with me and said there was nothing he could do. When complaining that they are illegally holding my XXXX refund hostage, he retorted that " it's also illegal to not pay your mortgage ''.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CO)

I went in to Chase Bank on XXXX XXXX in XXXX or XXXX XXXX, Illinois on or about XX/XX/year>. I met with a personal banker there to discuss and submit papers to add me as property power of attorney to my mother 's personal checking account. As of today, despite at least three personal visits to the Chase Bank, XXXX XXXX branch in XXXX, Colorado I STILL HAVE NOT have not be added as power of attorney to my mother 's personal checking account. I reside in XXXX XXXX. My mother resides in XXXX XXXX, Illinois. I have submitted all relevant paperwork to Chase Bank. 

It has been at nearly 30 days since I submitted my request. Still, it's not done? How can that be? It's a simple process.
Consumer complaint received 2023-05-04
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. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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
Consumer complaint received 2024-06-27
Product: Credit 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: GOLDMAN SACHS BANK USA (CT)

Early this year, I made a purchase at a local beauty supply store of hair extensions for {$51.00} cents. Upon going home and matching the color of the extensions with my hair- it was not a match. I attempted to Exhange the product the same day for a different color. Same brand, just a different color. The stores policy clearly states - NO REFUNDS, ONLY EXCHANGES. The original purchased product had not been used, only slightly opened and the packaging was still intact. The store owner/management would not allow me to exchange even though I'd clearly followed the exchange policy.

I disputed this transaction with Apple, 3 times. Of which, the first dispute resulted in them sending me a copy of an email ( between the dispute specialist and the store owner ) basically stating that I was attempting to 'defraud ' the store.

The 2nd and 3rd dispute resulted in nothing. Nothing had been changed or honored. Interestingly enough, the original dispute specialist sent me a copy of the receipt, which clearly states that only exchanges are allowed. Which is what I was attempting to do and the store owner refused to do so at the store. 

At this point I'm done dealing with Apple and I would rather go through Consumer Protection because it is based off principle.

I should have been able to exchange my product, for the same brand, just a different color.

The store owner is not honoring their own exchange policy.

Apple has not protected me and at this point it's based off the principle I want my {$51.00} back.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (NJ)

Actions Taken : I am writing to address an issue related to my information being shared with Early Warning Services. To my knowledge, there has been no formal written instruction from me, either express or implied, authorizing the sharing or furnishing of my information with Early Warning Services.

I have reviewed my credit reports and found that my information has been shared with Early Warning Services without my explicit consent. This is concerning, as I believe this action may have an impact on my privacy and financial security. 

I have contacted the relevant parties involved and followed the necessary steps to rectify this situation. However, I have not received a satisfactory resolution to date. 

I kindly request that Early Warning Services promptly cease the sharing of any information pertaining to me, and that you confirm in writing once this process has been completed. 

Please be advised that this request is in accordance with my rights under federal law, and I expect full compliance with this request in a timely manner. 

Thank you for your attention to this matter. I look forward to your written confirmation of the completion of this request.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I paid for serviced with the original creditor ( XXXX XXXX ) and they sent a balance to collections that I do not owe. I believe they have done so in error or have my account confused with another customer.
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch (FL)

I received a collection report on my credit. This debt is a result of identity fraud. I have reported this to the social security agency and I need it removed! In addition According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

On XXXX XXXX another USAA Customer, XXXX XXXX, wrote a {$12000.00} legitimate check from her account to pay her XXXX company. On XXXX XXXX that money came out of my account. I do not and have never had checks from this savings account. 

I'm a military service member who just arrived in XXXX on an XXXX XXXX and that money was to be used today to secure housing at our new XXXX duty location and wasnt available. It's been over 24 hours since the error was highlighted and money the money has not been returned. USAA has admitted fault and called it some kind of " electronic malfunction ''. I am getting no resolution and am told I am due no compensation for their error. 

We had to spend our own money to expedite a transfer from a third party for wire transfer to pay our down payment and first month 's rent and secure our housing. We're lucky that we could do that. 90 % of other service members who trust this company would not be able to do this. This has greatly added undue stressed to me and my family during this already stressful move.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I deposited a two party checks 6 total in the amount of XXXX. I had {$920.00} in the bank Pryor to that deposit. so they suspended my 2 Checking Accounts and savings account because they could not verify the checks that was deposited XXXX. and said would close my accounts because they could not verify the checks. and that's fine. but the {$920.00} that i had in the prayer to the deposit they said they would give me {$500.00} and will not give me the {$420.00} that i had left in the bank and my ss that is on auto deposit on the 3rd of every month will be sent back to SS and will cause a hardship and they stated when the account is closed it could take years to recover the money in the bank I'm a 100 % XXXX Veteran and the deposited will be sent back to the maker of the check and that could take up to 4 years
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Nationstar has " retailed '' against me after the conculsion of my first complaint. ( XXXX by once again unilaterally changing the terms and condition of my 30 year fixed mortgage by increasing my monthly payment and making sure my statement does not reach Pennsylvania until XXXX XXXX or the XXXX of the month. Now they are calling me twice a day every day even on Sunday. 

This all began with the very first payment I made to Nationstar when I paid my {$1200.00} payment and they unilaterally deducted {$40.00} for an escrow account in which my mortgage did NOT require such action ; this was on XXXX XXXX, 2013. Even after many letters they stopped the escrow account they " never '' re-calculated my Principal and Interest and therefore I never received proper credit and the fees began. In addition the Court ruled you could not " force place '' flood insuance ( sent them a copy of the Court 's decision ) - guess what Nationstar ignored the decision and forced placed flood insurance on me - they truly believe they are above the law. 

Even after I filed with Cfpb they submitted the same letter to Cfpb they sent to me none of the letters addressed the issue as I outlined and the fact the knew nothing would happen to them with me filing the complaint. When I looked at Cfpb 's web site there are pages and pages against Nationstar, I will keep submitting complaints and maybe just maybe the Federal Trade Commission will begin an investigation if they have not already done so. 

I have each and every document since XXXX 2013 this is XXXX of the reasons they double-talk in their responses. I even asked them to have a face to face with me nothing happened.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC. (SC)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HAWAIIAN, INC. (GU)

We've had our First Hawaiian Bank credit card for at least 3 years now and their system has always processed the online payments the same way. For example, the due date is on the XXXX of every month and when I go online to make the payment on that day, they don't reflect the payment being made on time but instead, the payment is applied when they receive the funds. As a result, their system would charge me a late fee and an interest on the purchases but they would also AUTOMATICALLY REVERSE these charges. They've done this for the past 3 years and I always thought that it was a glitch in their system as they're the only bank I know that doesn't reflect the date the online payment was made. 

The problem started about 2 months ago when they stopped reversing these charges. Again, my payment was always made or scheduled on time - by the XXXX or XXXX of each month. Once I saw that these fees were not reversed, I contacted them and asked that they do the same thing. I was told that they would as a one-time courtesy but future payments would reflect a late fee unless they receive the funds by the XXXX. In essence, XXXX states that the due date is on the XXXX but in reality, the consumer has to make the payment XXXX business days in advance to avoid the late fees and interests. 

I pointed out that they're the only bank that does this as every financial institution that I deal with - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, even the XXXX and XXXX XXXX XXXX cards, show the date that the payment was made online. 

I received a standard " thank you for your email ... payments are reflected when the funds are received ... '' reply. I asked why but they kept repeating the same answer. 

I asked my friends and family around and they have the same experience. A few of them just paid the fees without question and I feel that that's a deceptive way of doing business. 

This needs to be changed as soon as possible.
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (AZ)

I'm like super behind on my bills my wife isn't working due to bring my beautiful son into this world my sister in-law has been laid off recently so I am struggling to make ends meat as of now. Insurance should have took care of any XXXX XXXX I may have received. So I am refusing to pay. Please attachments.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>