davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Per my Credit Card Agreement, payments made before XXXX ET will post same-day. Funds availability policy further states that funds will be available by XXXX XXXX  ET the day after payment posts. I have made 6 payments on my CapitalOne card since the account was opened. There is a note that funds availability may be delayed at CapitalOne 's discretion ; however, my payments have been held for 5 or more days on 5 of my 6 payments. This is a violation of the card holder agreement that every payment I made is being held for 5 or more days when I have not had any issues with any of the payments I've made clearning my bank within 24 hours. Additionally, CapitalOne has confirmed that my account does not have a flag or any other status that would cause this hold to be placed on each payment I made. Further, CapitalOne sends an email confirmation of each payment restating the posting and funds availability but does not notify customer 's of holds and when funds would be made available. There is also nothing posted online or within the customer 's account details, so you have to call Customer Service after each payment to determine if your payment is being held and for how long. CapitalOne should either revoke it's written commitment regarding funds being available by XXXX ET as part of their card holder agreement and simply state that funds will be available whenever they release them or usually within 5 days or they should provide customers a communication following each payment that is being held along with the funds availability time. The language regarding payments being held at their discretion should be reserved for first time payments and/or customers who have a history of insufficient funds. Again, I have asked CapitalOne if my account meets either criteria and confirmed my account is in good standing.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DE)

In 2014, I received a permanent loan modification on my mortgagewith Nationstar upon satisfying my XXXX consecutive trial modificationpayments. At the end of making those payments, I had funds left in asuspense account which amounted to {$1300.00}. It is myunderstanding that according to the Securities Instrument, thatthese funds were supposed to be applied to interest and principalbalance first. I requested that the suspense funds be applied in thisprescribed manner. However, Nationstar took it upon themselves toapply the suspense account funds to my escrow instead, without myknowledge or consent. At that time I was represent by legal counsel, namely, XXXX XXXX XXXX of Delaware, in XXXX, DE, who drafted and submitted a " Notice of Error '' to Nationstar on mybehalf. To date, there has been no resolution to rectify the misappliedfunds. The Notice of Error clearly demonstrated Nationstar 's blatantdisregard and violation of the protocol set forth by the SecuritiesInstrument as it applies to the allocation of suspense funds. Inaddition, I was promised that my first contractual payment ( postmodification ) would be made from the suspense account. Since mynew payment amount was approximately {$1100.00}, I would have alittle more than {$200.00} left in suspense, which was to applied toward thefollowing month 's payment, for which I would make up the difference. 
It was further agreed upon that I would be notified of the amount ofthat difference payment. Being that none of this came to fruition, Iwas left in a position to have to pay and subsequently becamedelinquent! My credit has suffered and I have incurred late paymentfees trying to get caught up and remain current. Nationstar has beenvirtually non-responsive and uncooperative to my attorney 's demandsand numerous requests for relief and rectification this situation.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: NATIONSTAR MORTGAGE LLC (FL)

NationStar has XXXX in less than 6 months reported erroneously Loan No. XXXX. I received a letter from there research Dept in which they acknowledged an error in reporting this information and the correction and updates to credit bureaus to be performed in XXXX 2015. After having made the corrections and updates, today XXXX/XXXX/2015 they have again fro a XXXX time reported erroneously this loan information on my credit profile and have directly impacted my credit worthiness reducing my credit score by more than XXXX points from XXXX to XXXX. 
Because this is already a XXXX time I would appreciate an investigation and any all sanctions applied due to clear Violations of FCRA. 
I may be contacted directly at XXXX or email at XXXXXXXXXXXX. 
Kind regards,
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (CT)

I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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. (WI)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and PHEAA / XXXXXXXX XXXX XXXXXXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the reporting and subsequent dispute handling of my credit information. 

Despite multiple disputes, specifically submitted on XX/XX/24 and XX/XX/24, the trade line for PHEAA / XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX, continues to be inaccurately reported on my credit report maintained by XXXX. This trade line fails to reflect the original 180 days late status and has remained on my credit report beyond the period allowed by the FCRA, specifically 7 years and 180 days from the date of the first delinquency. 

I also called XXXX XXXX XXXX XXXXXXXX directly, however the phone listed for contact on my credit report is disconnected. 

Furthermore, the persistent inaccuracy of this trade line and the refusal to correct or delete it after ample notification severely undermines the integrity of my credit report and significantly impacts my financial well-being. This situation represents a clear violation of the FCRA, which mandates the reporting of accurate and complete credit information and prescribes specific timeframes for negative information to remain on a consumers credit report. 

My repeated attempts to resolve this matter directly with XXXX and PHEAA / XXXX XXXX XXXX XXXXXXXX XXXX have been met with inadequate responses and a failure to take corrective action as required by law. Enclosed with this letter, please find copies of the disputes submitted, correspondence received in response, and any other relevant documentation illustrating my attempts to rectify this issue and the non-compliance of the involved parties. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and facilitate the deletion of the inaccurately reported trade line in accordance with the FCRA. Your intervention is crucial in ensuring that my rights as a consumer are protected and that credit reporting practices adhere to the legal standards set forth by the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX Enclosures : XXXX Credit Report, Loan transfer payoff from original lender,
Consumer complaint received 2024-02-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc (TX)

Subject : Urgent Assistance Required Regarding Frozen Account Good afternoon, I hope this message finds you well. I am writing to address a concerning situation involving my account, which has been frozen. The predicament arose when I attempted to transfer funds from my account to pay my new landlord. Regrettably, the transaction was declined by XXXX XXXX, subsequently leading to the freezing of my Venmo account due to suspected suspicious activity. 

The gravity of this situation can not be overstated, as I am now faced with the imminent risk of homelessness, along with my two dependent children. The requested amount of {$1800.00} is pivotal for securing our housing situation, and I am urgently seeking your assistance to expedite the release of these funds by Friday. 

Despite my attempts to seek resolution through customer service, the supervisor appeared unhelpful, intensifying my sense of desperation. I implore you to consider the urgency of this matter and provide the necessary support to unfreeze my account promptly. Your assistance in this critical situation would be immensely appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

I purchased a Refrigerator from Lowe 's using their store credit card. The first one the delivered did not work, so I returned it and they sent another one, which also didn't work. I decided to purchase a different model and was told I'd be refunded for the first fridge. I was also told they would refund me XXXX dollars on the third fridge, but instead they sent me a gift card. The Lowe 's Synchrony credit card company is charging me for both fridges. I have filed a dispute, which was denied. I appealed that decision, also denied. They credit card people tell me the merchant ( Lowe 's ) has not provided them any documentation on the return and I have to call them. When I call Lowe 's, they tell me I have to deal with Synchrony. this has been going on since XX/XX/.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

my account was overdrawn, by {$23.00} tuesday XX/XX/XXXX, citizens charges me {$70.00} in overdraft fees, then a XXXX charge and XXXX XXXX charges get put on XX/XX/XXXX, another {$100.00} in fees, they claim if i paid {$91.00} by XX/XX/XXXX money would be put back. XX/XX/XXXX & XXXX i made a purchase of {$24.00} they charge me another {$100.00} now account is negative {$180.00} because they never put my money back for the fraud and initial charges of overdraft despite saying it would be removed within three business days. tuesday was the third business day. i call and all of a sudden its no longer 3 days but 10 business days. meanwhile im still being charged overdraft fees of {$35.00} when they should have had this fixed and those charged and fees off my account the same day like every single other bank does,
Consumer complaint received 2024-02-26
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. (TX)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights.

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

15U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-26
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: AMERICAN EXPRESS COMPANY (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX This account was reporting inaccurately. Please investigate this thoroughly and remove it accordingly.
Consumer complaint received 2023-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALPHA MIDCO INC (NM)

I received a letter from XXXX and associates on XX/XX/XXXX  about a doctor bill that is past due. XXXXXXXX XXXX XXXXXXXX have also reported this information to the credit reporting agencies. I reached out to my insurance company to see why the bill was not paid by them on XXXX XXXX  and was notified this outstanding bill falls under the Federal Surprise Billing Law and I am not responsible for this bill. I contacted XXXXXXXX XXXX XXXXXXXX and they refused to stop collection activity.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

APPLE CARD/GS BANK USA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). APPLE CARD/GS BANK USA is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2015-06-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Good Day, My name is XXXX XXXX and I have been faced with mortgage troubles for sometime. ( since XX/XX/XXXX ). I am currently working with Nationstar Mortgage, who has refused to lower my interest rate. They bought the XXXX loan from XXXX XXXX XXXX who gave me a trial period of {$500.00} a month, after having divorced, lost job, etc. I spoke with the bank repeatedly regarding my income and filed for fha several times. In any event circumstances later led me to file bankruptcy, Bankruptcy case XXXX. then the trustee appeared to lead me to believe that my mortgage would be deducted thru payroll and now I am facing foreclosure again. I would like to be able to keep home, I asked for helped. Can this agency assist in helping me with speaking to Nationstar to see if they could lower rate so that I could qualify for the loan. At 8 % XXXX XXXX XXXX said that I could not and gave me the trial period. The hand off to Nationstar from XXXX XXXX XXXX has been terrifying. I just want to keep home. Can there be a win-win. From XXXX to XXXX is a lot. I had been overwhelmed and hit by XXXX driver- so the fearful attacks frightened me into scared me. I have been a part of this and just would like another chance to save home. built by Dad. 
They asked me to pay on XX/XX/XXXX payment XXXX Nationstar XXXX : Nationstar ID : XXXX XXXX : ID : XXXX. Then try to pay {$14000.00} by XX/XX/XXXX.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$68.00} XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX Balance Owed : {$600.00}
Consumer complaint received 2023-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NM)

I received a letter from Wakefield and associates on XX/XX/ about a doctor bill that is past due. Wakefield and Associates have also reported this information to the credit reporting agencies. I reached out to my insurance company to see why the bill was not paid by them on XXXX XXXX  and was notified this outstanding bill falls under the Federal Surprise Billing Law and I am not responsible for this bill. I contacted Wakefield and Associates and they refused to stop collection activity.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (VA)

We applied to refinance our mortgage ( same company as the present mortgage, but at a lower interest rate and for fewer years ). I was told it should take 20 XXXX days to complete but it seemed there was XXXX issue after another ( some of which I did n't understand ) and it ended up taking XXXX days til we signed. Communication between the mortgage company and us was very poor. When I would finally get through to the person I was to talk with, I got excuses why things were n't moving along as promised and they were very slow to return my phone calls. I never did talk to the loan originator that was listed on the paper work, only the loan processor who seemed never to have answers, only vague excuses.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

After we received Chase 's letter dated XX/XX/XXXX, we called our XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. He is well aware that we live approximately XXXX miles from Chase Bank, and we did not want to travel to Chase unless it was absolutely necessary. The Trust document requested in the XX/XX/XXXX letter has been in the possession of Chase Bank since approximately XXXX. We informed XXXX XXXX that there have been absolutely no changes to said XXXX. XXXX XXXX asked us to call a representative ( name unknown ) on the " banking side '' and inform them of the situation. As instructed, we called the representative and were told that the issue would be rectified, and there was no reason for us to visit the bank or take any further action. We received no further communication from Chase until we received a text on or about XX/XX/XXXX letting us know our accounts were restricted. Due to the delay in notifying us of this restriction, several checks bounced, and automatic withdrawal payments and deposits weren't completed. Obviously, someone at Chase dropped the ball. Monthly Social Security deposits were denied and will not be reinstated until XX/XX/XXXX ( according to XXXX and AFTER we opened a new account at another bank ). Without the deposit of Social Security benefits, we had to pay XXXX out of pocket. Because of the NSF check to our water department, we can no longer pay them by check or automatic withdrawal- they will take cash only for ONE full year.