davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Opened a Capital One 11 mo CD account in XX/XX/2013 that had a 3 month penalty. Managed account exclusively using the app, which prompted me to renew at maturity and provided various new options for term and rate. I selected a 14 mo, which at no point disclosed that the penalty doubled from 3 to 6 months. Communications received from Capital One after account opening confirm other account details but not the higher penalty ( some refer to a disclosure document which is linked but does not open on app and does not appear in the apps Statements and Documents folder ). Customer service agent told me that higher penalty was disclosured on the website when I opened my original account - suggesting that I was supposed to retain knowledge of penalties for products other than those I was buying 12 months after the fact.
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: V and H Portfolio (OH)

This was a pay day loan taken out. At the time I has lost my job and my checking account was closed, therefore no payments were taken out. I did not receive any follow up from the company and was not aware of the status until it recently appeared on my credit report. 

ANCE AND HUFFMAN LLC Last reported XXXX XXXX, XXXX {$2700.00} Open balance XXXXXXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

The State of Florida 's Homeowner Assistance Fund XXXX XXXX XXXX  has been paying my mortgage directly to Cross Country Mortgage since XX/XX/2022. In XXXX, I started receiving calls and notices that my mortgage payment was late. I called the State of Florida 's DEO Homeowner Assistance Fund Team, who informed me that my payment was sent as normal. I called Cross Country and the State of Florida numerous times trying to resolve this to no avail. I made a direct payment to Cross Country for the past due mortgage payment to try and make sure that my credit wasn't affected by this issue between the State of Florida and Cross Country. Subsequently, I again started getting calls about my payment for XXXX being late. I again placed several calls to both the State of Florida and Cross Country. Cross Country indicated that they were aware of some issue, but couldn't elaborate. After continuing to call and research this problem I was made aware that Cross Country changed their mortgage servicer to a company called XXXX. I called their number, which rang through to Cross Country. I was told by them that the servicer wasn't the issue, and to ask the State again for information. When I called the State back, she indicated that they were having issues with ALL Cross Country mortgage payments that they are making on behalf of claimants, and told me that they even had an all staff meeting to discuss. I was last told that this was being escalated by the State of Florida to some form of outreach to Cross Country.
Consumer complaint received 2023-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NC)

Hello- I'm a co-signer on my Son 's Student loan. In the recent past, i received an email from Discover Student loan department that my son was not paying up. I did remind my son to pay the outstanding which he did. The account has been normalized. 

I called in Discover on XX/XX/ to check the health status of the account and they did confirm that the account is in order. I logged into the student portal to gather more information about the loan such as an amortization statement as the he has about {$53000.00} in loan for a fixed term of 15 years. However, the Discover Student portal has no information whatsoever about the amortization statement relating the the forecast of the loan spread over 15 year period. There is no clear break up of interest versus principal. I spoke to two representatives today. The first rep put me on a long hold and disconnected the call. The second representative was more forthcoming and confirmed that there is no such statement such as amortization for student loan and he put me on hold. The second representative latter disconnected the call. 

I would request CFPB to hold the financial institutions to be responsible for not being transparent in the student loan arena. As such we have burgeoning student loans across the country. To top it financial institutions are not being transparent in their code. Enforcement of such rules and regulations will make student loan more transparent. 

Appreciate it. 

regards XXXX
Consumer complaint received 2024-01-03
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. (PA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar Mortgage has marked flagged my account as missing or delinquent payments. The incident started with Nationstar increasing my monthly payment from {$1900.00} for XX/XX/XXXX to {$2000.00} to cover an escrow shortage of {$100.00}. At no time was I made aware of this increase in any written, email, or telephonic communications. Therefore, I continued to faithfully and on time make my usual payment of {$1900.00} for XX/XX/XXXX and XX/XX/XXXX which Nationstar accepted as payment from XX/XX/XXXX to XX/XX/XXXX. At no time was my payment rejected for insufficient funds. I was finally made aware of this shortage only through a Nationstar loan officer as I was attempting to refinance through Nationstar XX/XX/XXXX as it went through loan processing. I immediately made a payment of {$210.00} on XX/XX/XXXX to cover the shortage for XX/XX/XXXX and XX/XX/XXXX to make up the shortage. At no time was I made aware of a new payment and was under the impression this was just an end of the year shortage. Also on XX/XX/XXXX I made usual payment of {$1900.00} the same day, once again under the impression I was up to date and current on my loan. In my entire history with Nationstar I have never missed or been delinquent on a payment. I was made aware of Nationstar flagging my account as late on XX/XX/XXXX through a credit monitoring service. I immediately contacted Nationstar and was finally made aware of a new payment of {$2000.00} and payed {$100.00}, which posted on XX/XX/XXXX to once again cover the shortage for XX/XX/XXXX. XX/XX/XXXX payment of {$2000.00} has been made and is up to date. After several phone calls with Nationstar I have been unable to resolve this issue of a simple escrow shortage and extremely poor communication from Nationstar. At no time was I delinquent on any payment, as Nationstar accepted my normal payment of {$1900.00} for the months of XX/XX/XXXX to XX/XX/XXXX. For a simple escrow shortage Nationstar has flagged my account and has negatively affected my credit score. I simply want my account restored to non late status and my credit score to be fixed.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (PA)

Dear Sir or Madam : I am writing to complain of abusive debt collection tactics used by Cavalry XXXX, addres : XXXX XXXX XXXX, XXXX CT XXXX, and to request that you investigate this matter. 
Cavalry XXXX began contacting me about my former credit card XXXX XXXX account # XXXX. The last payment for this account was made on XXXX, XXXX and the balance was {$2300.00}. 
Cavalry ' abusive collection tactics included : Calling me at XXXX XXXX and after XXXX XXXX 
Emailing me with the request to pay them {$3000.00} ( copies of emails are attached ), without any verification or validation of the debt, and proofs of debts ownership. 
Threatening me with the legal actions to collect unverified debt. 
Continuing to contact me after I wrote them and told them to stop. ( Copy of letter enclosed. ) Billing me for {$3000.00} when my ending balance was {$2300.00} on my account. 
Cavalry never submitted the proof of Ownership of this debt. If they bought the debt from XXXX XXXX XXXX, they must submit me Bill of Sale or other document of purchasing this debt and that it has the right to collect this debt. All they ever mailed me that are XXXXXXXX XXXX XXXX  Statements, that are only proved that I owed money to XXXX XXXX, not Cavalry. 
Cavalry did not submit any document who it is, what right it has to conduct business and collect the debts in Pennsylvania, state Licenses, etc Cavalry is trying to collect a debt for the fraudulent, stolen account from me without any documents to proof to support its claim. The bank statement of fraudulent account that was submitted to me is not a proof. I'm avictm of Identity theft. In XX/XX/XXXX I was robbed and my purse was stolen, with Credit Cards, Driver 's License and Social Security card. I reported right away to XXXX XXXX Police Department, address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. After that I got many unauthorized charges on credit cards from Arizona state. I have never even been in Arizona. I have a lawsuit with XXXX XXXX XXXX that they are do not remove fraudulent address from my credit report. 
Also, my debt with XXXX XXXX is too old. 4 years of Statue of Limitation have passed in XX/XX/XXXX. It is illegal to demand a debt when the statute of limitations expired. 
Please see attached correspondence from me and Cavalry. Again Cavalry did not produce any proof that I owe the debt to them, Bill of Purchase, Licenses and other legal documents, supporting its demand. Without these kinds of documents, Cavalry is a scam. 
Very truly yours,
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I bought my house at XXXX XXXX XXXX XXXX XXXX 2 years ago. XX/XX/2021 and just 4 months later out sump pump failed because the sewage was running to the hole and had failed for not being the proper pump. Resulting in 2 feet of water and significant mold and draining issues under the house. My insurance only covered enough for mold remediation even quoting that it was only covered for $ XXXX but there was $ XXXX in total damage. After struggling to keep up with payments and fix my house myself we decided to move out and I attempted bankruptcy but my attorney didn't give me the proper documentation for it to be resolved. Now I'm just trying to sell the house and move on with my life
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (TN)

Received Trial modification papers XXXXXX/XX/2023 by mail. Trial has XXXX payments of {$510.00} XXXX trial payment due XXXX XXXXXX/XX/2023. XXXX trial payment was made by XXXX amount {$510.00}. There is a foreclosure sale date for my house XXXXXX/XX/2023 even though I received trial documents in the mail. I read this is dual tracking please help. Dont want my house to be sold in foreclosure sale
Consumer complaint received 2024-02-16
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: Westlake Services, LLC (TX)

When shopping for a car the dealership i went to said they wouldnt run my credit to any of the banks they were just going to check it internally and yet they ran my credit to many different banks XXXX
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CrossCountry Mortgage LLC (TX)

My estranged wife and I decided to go our separate ways and I could not keep up the mortgage payments on my income alone. We tried to rectify the default by putting the home on the market for the full price but we got no offers that would pay off the mortgage and closing costs. I need an additional XXXX  days to get through the short sale process with the mortgage company.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XXXX, 2023, I received a check for {$2500.00} which I deposited that day into my Total Checking account at Chase Bank. I received a confirmation email from Chase Bank that the check was accepted at XXXX cst on XXXX, 2023 and that {$2400.00} was available for use. SOLELY because of this confirmation email from Chase, I spent {$1000.00} of the available {$2400.00} funds. The {$2500.00} check was definitely cleared by Chase as it went from " Pending '' to " Available '' status on my account plus I received the confirmation email so I was sure I had the green light to spend it. XXXX days later, Chase said the check was fictitious. It is clearly wrong that Chase would clear this check and send confirmation email saying that the deposit was accepted and funds were available for use. This was unscrupulously misleading. I am out {$1000.00} because of this. I requested Chase to provide me the {$1000.00} back since it was due to Chase 's XXXX incorrect deposit confirmations ( 1 - deposit status changed from " Pending '' to " Available '' and 2 - Chase 's confirmation email ) that I spent the {$1000.00}. Chase has not rectified this situation at all with me.
Consumer complaint received 2024-01-03
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. (NY)

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.

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 a 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 2024-04-11
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. (CA)

I recently obtained a copy of my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. This erroneous information is negatively impacting my credit report, and I request that you promptly correct it. 

The information I am disputing : XXXX XXXX. 

I trust that you will conduct a thorough investigation within the next 30 days. Following your investigation, please provide me with an updated credit report, along with the names, addresses, and telephone numbers of the individuals contacted during the process.
Consumer complaint received 2024-01-07
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. (CT)

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. XXXX XXXX XXXX XXXX XXXX Under the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can only furnish an account with my written instructions.
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

On XX/XX/XXXX I made an electronic mortgage payment of {$13000.00} which included my monthly payment of {$580.00}. I stipulated the excess funds be applied to my principal balance. The payment was applied without an issue. 
On XX/XX/XXXX Nationstar withdrew the regularly scheduled monthly mortgage payment from my account, {$620.00} ( {$580.00} regular payment & {$30.00} applied to principal ). Later that day I made an electronic mortgage payment of {$12000.00} to Nastionstar Mortgage specifying the entire amount be applied to the principal balance. I received confirmation from Nationstar the payment was received on XX/XX/XXXX ( Confirmation # XXXX ). The payment would have left a balance of approximately {$800.00}. To date the {$12000.00} has not been applied to my principal balance despite 3 phone calls ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and one email ; XX/XX/XXXX. I have not received a response to my email. With each phone call I was assured the issue would be resolved in XXXX to XXXX hours. I requested an email response at the end of the XX/XX/XXXX phone call with Nationstar representative, XXXX, Badge # XXXX. He assured me I would receive an email response from his supervisor, I have not. 
Today, XX/XX/XXXX I spoke to supervisor XXXX XXXX, XXXX ext. XXXX. She explained the funds were not applied to my balance because the remaining balance was such that Nationstar typically contacts customers to ask them to submit the entire payoff amount. I have n't been able to get any sort of response from Nationstar much less a cold call asking for more money to payoff the loan. 
As an aside I must say each representative I spoke with was courteous and tried to be helpful.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$30000.00}
Consumer complaint received 2023-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I have my mortgage with Carrington Mortgage Services , LLC . I always make the mortgage payment within the month it is due, and accept the late payment fee of {$30.00} if I pay after the XXXX. On XX/XX/2023, I tried to make my XXXX mortgage payment online of {$1500.00} + the {$30.00} late fee. When I tried to make the payment online on the XXXX, I kept getting an error message from the website stating the payment could not be processed. This had nothing to do with my bank, as I had plenty of funds available in my account at the time. I tried to call their customer service line, but it was a XXXX  night, and they are not available. I called the company on XXXX, XX/XX/XXXX in the morning, and stated the issue I was having. I was told by a representative ( on a recorded line ) that it was my fault for not paying the mortgage sooner within the month. The representative also stated that they don't process payments on XXXX. They said that the payment is processed the next day, so I would have been late either way. I know this is not true, as I have made payments previously on XXXX, and they process that day. XXXX reported my payment as 30 days late to the credit reporting agencies ( XXXX, XXXX, and XXXX ), and my credit score dropped almost 100 points immediately. I filed a complaint with the company, and they told me they would look into their online system. They can see that I logged in that night ( XX/XX/XXXX ), but they said their system was processing payments, and it was my fault. Their system would not process my payment, and it was their fault. I have worked hard to maintain a credit score above 750, and had no issue doing so until Carrington 's online system would not process my payment. I would like the 30 day late payment to be reversed with the credit reporting agencies, as I know they can do so ( I am in the mortgage industry ). Please advise of my next steps.
Consumer complaint received 2024-01-03
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. (OK)

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.

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 a 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.