davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX 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 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 never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC (TX)

In XXXX of XXXX I prepaid the principal balance of my mortgage by {$200000.00} bringing the remaining principal balance down to about 54 % of the original value of my home. I was unaware of the fact that I had to then ask my mortgage company to discontinue my PMI in writing. I has not focused on the fact that once the mortgage balance fell below 80 % I should have requested the removal of PMI in writing at that point. Afterwards, in XXXX of XXXX, I made a written demand upon my mortgage company ( via its servicer ) that I get a refund of approximately {$1400.00} of PMI paid after my loan went below 78 %. Their response indicated that the 78 % Rule is only effective and PMI automatically terminates " on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' Thus they have refused any refund of the excess amount. 

This " scheduled '' language provides a windfall for the PMI issuer in that they continue to get insurance premiums even after a loan falls below the 78 % milestone - and they have no exposure. This is unjust and when a loan is paid down below the 78 %, the PMI should stop at that point and not at some future " scheduled '' date. This Rule or law should be changed to prevent this from happening to unsuspecting borrowers! As a consumer, I ask that the CFPB make an inquiry on my issue and get this unconscionable Rule or law changed.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I filled out the School Misconduct Application from Navient for a loan taken out when attending the XXXX XXXX XXXX XXXX XXXX XXXX. I qualified for Borrower Defense under the XXXX v XXXX XXXX. ( WHICH MEANS I MET FEDERAL STANDARDS FOR INSITUTIONAL MISCONDUCT ) Navient denied the application despite all the public information available about what these colleges were doing. Their response is not an acceptable one considering I linked a U.S. Government Accountability Office report on for profit colleges that included XXXX XXXX XXXX XXXX, The Justice Departments case against XXXX, XXXX XXXX XXXX XXXX XXXX and Whistleblower testimony regarding XXXX XXXX at XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

The month before my son left for college I took my son to the bank to apply for a credit card in his name only -just like I did with his brother and sister at age XXXX. They all received the Wells Fargo active cash Visa signature card. These were given with no co-signer, no job, just the knowledge that he was starting college. The first year was fine as he only bought groceries and books. The second year he was diagnosed with XXXX XXXX and all XXXX broke lose. When the card was opened I said the credit limit is not to be raised until he is graduated and was working and the bank told me they wouldnt up it because hes not working. My son began having this repeated response to things and would just keep hitting a button at times not knowing he was making purchases-you can see it on the statement. I understand that this is not the banks problem, but I was never made aware of it until he was in the hole of over {$3000.00} plus the XXXX they pulled with his checking account approving purchases when their was no money in the account. They raised his credit limit on his card to {$1800.00} and then let him spend {$1000.00} over that. They assumed I would just pay it. Its not my responsibility to pay it. I was under the assumption that the bank had certain measures in place that would prevent things like this from happening. They knew he had no money when he was out of funds in his Wells Fargo checking account, yet they perpetuated the issue. Why were laws written to protect people if the banks ignore them. To continue to charge 29.99 % interest should be illegal as well. They created the problem, XXXX willing to pay the debt, just not the interest. I was in XXXX visiting my XXXX  when his checking account kept going insufficient funds. I was not happy about getting on public WiFis to login to the bank and transfer funds-this happened XXXX times while I was there, I was XXXX. When are other people going to start to do their jobs? Wells Fargo opened a case and gave us {$50.00} to offset the interest which is about {$60.00} a month. The sent me a message saying that the bank periodically looks at peoples accounts and decides whether to raise your limit or not. Obviously they based it on my credit worthiness, for if they had looked into XXXX they would have found he is going into his junior year of college and has still not worked a day in his life. They messed up and they wont admit it. The FDIC law 226.51 states that banks are prohibited from increasing credit limits without considering the consumers ability to pay. Wells Fargo blatantly violated that law when it came to my sons credit card and checking account. In all honesty they should pay it all because they knew what was going on ; I did not. Now I have to call another number to decrease his credit limit. Ive wasted enough of my time on this. Their problem they can fix it.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year>, I initiated a dispute online with XXXX XXXX in regard to the tradeline, XXXX XXXX XXXX . It was reported that the credit grantor closed the account out. However, I requested for the account to be closed originally and was never late on my payments since I had payment protection setup with Mycardsecurity. I submitted the dispute and on XXXX it showed the status of the dispute was in review and how the estimated date of completion was supposed to be on XX/XX/year>. As of XXXX Transunion and XXXX XXXX  hasn't fulfilled the investigation and it has been way past 30 days.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (CO)

I received a letter from XXXX XXXX XXXX XXXX in XXXX Washington on XX/XX/XXXX stating I owed a subrogation claim in the amount of XXXX. I sent a certified letter disputing the claim, requesting a break down of the alleged charges, and proof that the XXXX insurance company paid that much out to their client. This is a subrogation claim. My daughter was in an accident XX/XX/XXXX, she was XXXX XXXX XXXX XXXX. She filed a police report, there were no injuries. I received a claim from XXXX XXXX XXXX XXXX XXXX in the amount of XXXX. I indorsed coupon payable to bearer, and sent a letter of claim of interest, rights and titles with instructions to place the amount of credit into the account for set off and closure. I never heard anything back from them. This is the main reason for dispute. Other than the fact that my daughter was given this car a year prior to the accident, and she was involved in the accident, she also lost the certificate of title. On XX/XX/XXXX, I received a a XXXX  day notice from National Services Bureau Inc. stating they were going to suspend my driver 's license for non payment, and cancel the plates on the car. The car was totalled. I called them on XX/XX/XXXX, or XXXX th. A man answered the phone, said they were suspending the driver 's license. I told him I am owed due process, he said I was not, and subrogation doesn't work like a regular debt, I either pay them, or lose my driver 's license. I informed him he was being recorded. He said no consent was given and hung up on me. I called back, and spoke with a woman. I told her I know they received my certified letter on XX/XX/XXXX because I have the returned receipt, and I need a breakdown of the charges, and proof the insurance company paid it out, I also included the original bill from XXXX XXXX XXXX in my first response to them. She said she would mail it out, but they haven't yet. XXXX days ago, I received a 'final notice ' from this National Services Bureau Inc. telling me to pay the amount of XXXX. Still have no evidence of a debt in that amount. Every letter they have sent me is dated XXXX and XXXX weeks prior to the date they are actually placed in the mail received to my post office box as well. Therefore, the XXXX day notice was invalid.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I received two physical letters in the post today. XXXX XXXX XXXX XXXX XXXX They are from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' These letters are a violation of the pending restructuring taking place at " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' I am not to be contacted. There is a criminal trial underway for bank fraud and I want to testify against many banks and government agencies which are bankrupt and embroiled in a massive scandal. Send future communications to : https : //www.sullcrom.com/Lawyers/Andrew-G-Dietderich. 

DO NOT CONTACT ME AGAIN! 

YOU ARE HARASSING ME! I HAVE NO ACCESS TO A BANK ACCOUNT DUE TO FRAUD AND BANK FAILURE. IT IS IMPOSSIBLE TO MAKE ANY PAYMENTS, AND YOU ARE CURRENTLY IN DEFAULT ANYWAY. I'M A CREDITOR OUT OVER A XXXXXXXX XXXX  IN THIS ONGOING FRAUD. 

Since you are contacting me again despite the multiple cease and desist orders, I am requesting that you provide the XXXX footage of the incident I had at your affiliated entity today, where I entered the bank to remove a lock on my account and they called the police on me, and made a false police report where they told the police I was " violent ''. I could have been killed. They did this because I wanted to record audio of the interaction. I want to press charges against Schwab for the incident, and against the person who filed the false police report with the intent of having police violence done against me, XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC (TX)

Re : Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, TX XXXX Hello, Regarding the case above. The court filed a judgment against me even though I sent proof that XXXX XXXX XXXX and couldn't attend. Then after my phone call to the court to ask why I had a judgement ; they gave me a XXXX deadline to file an appeal for over {$4000.00} when the debt is {$2000.00}. 
XXXX XXXX XXXX XXXX has put a XXXX XXXX XXXX XXXX XXXX  without sending me any court documents. 
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( my daughter ). I have only {$280.00} in my account but they garnished my account for {$3000.00} leaving me no access to funds to feed my family or even buy gas to look for work. 
I am now {$2800.00} in debt with the bank and my pre-arranged direct debit transactions are going to be rejected leaving me with multiple {$40.00} insufficient funds charges. 
My current situation can be directly attributed to not being giving a continuation due to health reasons. 
I will appreciate if you can intervene and have XXXX follow the law and release this illegal garnishment. 

Sincerely XXXX XXXX XXXX ( Phone will be disconnected soon for lack of payment since I have no money in my account to pay )
Consumer complaint received 2024-05-21
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. (TX)

PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

Lakeview loan servicing just put a new interface on their web site. as a condition for doing. 
business with them online users are required to : XXXX. Allow them, Lakeview loan servicing, XXXX XXXX, XXXX XXXX XXXX and others to access and pull my XXXX XXXX and share them with their partners and affiliates. This is an unwanted invasion of my privacy! 
XXXX. I have to accept unwanted telemarketing calls and solicitations from XXXX XXXX, Lakeview Loan Servicing, XXXX XXXX XXXX, others, and their affiliates despite being registered on the XXXX XXXX XXXX. I have to allow XXXX and others to send XXXX XXXX to my phone for product solicitations In order to see any of my account data, I had to agree to those terms just to validate that my payment had been made and attributed to the account, I agreed. Immediately after I got the information I needed, I sent the XXXX XXXX XXXX website administered by XXXX XXXX XXXX ( Opt-out a request - Case XXXX ) an XXXX to the support to rescind any permissions associated with all their terms of service. 

Despite it being during normal business hours, the only thing I received from them was a case number assignment, which did not concur with my request.
Consumer complaint received 2024-08-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NV)

Sirs, I have a " way2go '' card from the state of Nevada for unemployment benefits. They have 2 methods of transferring money to my bank account. Via phone and via their website. I have tried both and were charged for the transfers. Both were unsuccessful and the money bounced back to the way2go card. I called my bank and verified that they will accept the transfer and that the routing/account number is correct. I have screenshots of the online transfer if need be.I do not want them to upload the screenshot unless it is secure due to my bank info being visible.There is no way to get a representitive on the phone from way2go. The transfer charge does not get refunded. This is a known issue after doing a XXXX XXXX. They have intentionally made this to inflate fees and restrict money access.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (AZ)

On XX/XX/XXXX, at approximately XXXX hours, I encountered a deeply frustrating and distressing issue with an ATM at XXXX XXXX XXXX  located at XXXXXXXX XXXX XXXXXXXX in XXXX, AZ. While attempting to deposit {$610.00} in cash into my Discover checking account, the ATM malfunctioned egregiously. It accepted the cash, allowed me to confirm the deposit, and then immediately retained both my debit card and the cash, issuing a receipt that inexplicably stated the transaction was incomplete. 

As a member of the military, who has dedicated my life to serving and protecting my country, this situation is particularly disheartening. The added stress and inconvenience of dealing with this malfunction and the subsequent bureaucratic runaround is both demoralizing and unacceptable. 

I have reached out to XXXX XXXX, who have verified their ATM 's cash count and acknowledged the exact discrepancy matching my deposit, yet they refuse to refund the money directly. The funds are trapped in a general ledger, awaiting action from Discover. Discover, in turn, has stated that because the transaction never formally processed, there is no way to initiate a claim or dispute, despite the receipt and XXXX XXXX 's confirmation. 

This situation has left me without my {$610.00}, caught in a frustrating limbo between institutions. The lack of a straightforward resolution or accountability in handling my case is profoundly disappointing. As someone who serves my country, I expect a higher level of efficiency and respect in resolving such issues. I urge the involved institutions to address this matter with the urgency and seriousness it demands. All I am asking for is the return of my {$610.00}.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC. (CA)

In XXXX of XXXX, Ally Bank took over my credit card from Ollo Bank. I had had the Ollo card for several years and used it without incident, and always made payments on time. From the moment Ally Bank took over they sent emails letting me know I needed to sign up for their online account to make payments, manage the card, etc. Every time I attempted to do so, their website indicated that they could not find my records ( all of my information was correct ). In the meantime, my card went past dues as I had not received my new card, didn't know my account number nor did I have a phone number to call. Over the next few months, the card did eventually arrive ( now with my account on hold ) and I was STILL unable to create an online account. I downloaded the APP which also gave me the same error message. I eventually called them to make a payment and find out what was happening with my account and was told I had XXXX late payment fees on the account. I brought it up to current and gave them the information about not being able to log-in or use the APP. They assured me that it would be resolved within 10 days. That was in XXXX of XXXX. I have now had to call each month to make a payment, and ask about the status of being able to log-in to see transactions, etc ( I have absolutely no view into anything that may be charged to this card as I have been enrolled in paperless transactions as well! ) Today I was informed by the agent who " helped '' me that she gets these same phone calls at least 15 times a day. In other words, XXXX year into this, ALLY has yet to actually help the clients who are now theirs from the purchase of Ollo Bank. This is ridiculous!! I was able to get them to start sending me paper statements so I can at least see my balance and transactions, but this will be the first time in a year that I will be able to see these transactions and have had to pay hundreds of dollars in late fees and added interest while this remains unresolved. This is completely unacceptable.
Consumer complaint received 2024-07-30
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: JPMORGAN CHASE & CO. (TX)

My interactions with Chase regarding my credit card dispute have been frustrating and unhelpful. I feel that the representatives I spoke with were not attentive to the details of my case, and their demeanor was discouraging. The charge amount of {$80.00} was made on XX/XX/year>, at XXXX XXXX, and I was supposed to receive a refund of {$50.00}.
Consumer complaint received 2024-07-20
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. (CA)

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accused on XX/XX/XXXX No knowledge of these account Identy theft!
Consumer complaint received 2024-07-21
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. (FL)

XXXX XXXX Account # XXXX A creditor XXXX 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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date.

There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit XXXX is supposed to be refunded upon the request of the consumer so I would also like to request my refund. 

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.