davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I mistakenly made an early credit card payment in the amount of {$4600.00} to Capital One on XX/XX/2024. The amount that I meant to pay was the last statement balance of {$3300.00}. I called Capital One and asked for a refund of the difference ( total statement Vs. previous statement ) and they said that they are unable to process a refund and that I should contact my bank to try to issue a stop payment. I was unable to issue a stop payment because the payment had immediately processed. Capital One refuses to issue a refund & say there is nothing they can do. The credit card payment is not officially due until XX/XX/2024. This is an honest mistake, should be reversible, and I assume happens all the time. The credit card company is collecting payments early, processing payments instantly, not refunding overpayments, and have XXXX  day review processing times. This is not fair for the consumer because it usually takes XXXX days for a bank account charge to clear and there is no time ( with capital one ) to issue a stop payment to the bank. The credit card company refuses to issue any refund whatsoever and I need that {$1300.00} in my checking account to pay other bills that can not be paid with a credit card. 
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Consumer complaint received 2023-12-23
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. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To the CFPB, I XXXX XXXX is filing a complaint against the credit agencies for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with XXXX  XXXX are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with XXXX  XXXX XXXX  are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with XXXX XXXX XXXX are : The open dates are different I tried reaching out to XXXX XXXX XXXX XXXX & Experian to clarify these issues but the representatives just kept saying they can only see their reports of my credit with them. These credit agencies SUPPOSE to have the same reports through & through no differences since they are collecting the information from the same exact source which is the companies that are providing the information, if the wavers at any moment how is the information ACCURATE.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clear Recovery, Inc. (NE)

The debt collectors, Clear Recovery Collection is supposed to call me before they withdrawal any funds from my account that was the agreement and they don't have a judgment/lawsuit against me in this debt. They took money out of my account without contacting me to confirm payment. I've been paying them every month for the last year plus. Every single time they've called and confirmed that I am authorized them to charge my account one time. Until this month I received no phone calls and no notice of a pending withdrawal from my bank account without my permission or a judges ruling. There isn't anything far as I know being filed in court for collections of this debt. I don't understand how they can garnish my checking account without a ruling from a judge to which I have not received a court order. So their legal standings to withdraw from my account, without my permission. Is as far as I've gathered reading the laws they're violating my rights for fair treatment for this debt I've been paying. 
Again The name of the company is Clear Recovery Collections.
Consumer complaint received 2024-02-06
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2024 XXXX XXXX XXXX, XXXX, XXXX Dear XXXX, XXXX, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later 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 20 days before the payment due date. 
I NEVER gave You, XXXX, XXXX, XXXX, OR CAPITAL ONE any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, XXXX, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
CAPITAL ONE By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All-Natural Inalienable Rights Reserve
Consumer complaint received 2023-05-03
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. (GA)

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an 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 2024-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/ CAPITAL ONE ran my credit and I was hit with a hard inquiry when I did authorize this AT ALL. I tried to call directly to ask follow up regarding how this was possible and it will take 2 weeks for someone from their fraud department to get back to me.
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc. (SC)

In XXXX of XXXX, I was contacted by a collections agency on behalf of XXXX XXXX in XXXX, Alaska. They claimed that I have 2 outstanding bills from an appoint on XX/XX/XXXX. I am contesting these bills for several reasons. 

The first, is that the services done by XXXX XXXX were covered by a grant by XXXX XXXX. The scheduled XXXX from XXXX was only partially covered and the remainder of the bill is {$290.00}. The second bill was for a service I was unaware that I was having or would later be billed {$970.00} for. I feel that XXXX XXXX was not transparent of what the charges of the services would be and should have given an estimate before I consented. Undoubtedly, I would have refused to proceed with the service had I known. 

Secondly, as previously stated, I was first made aware of these bills in XXXX of XXXX, more than 2 years after the initial appointment. XXXX XXXX had attempted to communicate with me only through a po box that I was no longer using. They stated they were unable to get in touch with me even though I have had the same phone number since XXXX and the same email address since the late XXXX. Not to mention, that I had the same service performed in the same facility the following year and nothing was brought to my attention. I had literally walked through their doors and I was not made aware of the bills. 

Also, so much time has lapsed between XXXX XXXX XXXX and when I was first contacted in XXXXXXXX XXXX XXXX  that records kept by the involved parties are no longer useful. Had I known of this earlier, I would have had the opportunity to make a resolution. There was also interest tacked on to each of the bills which had been accruing without my knowledge over time. 

I feel that the lack of transparency and untimely communication on the part of XXXX XXXX has caused unnecessary hardship which could have been avoided with more professional correspondence.
Consumer complaint received 2024-07-23
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: WELLS FARGO & COMPANY (AZ)

The negative rating on my account is causing severe distress. Its impact on my credit is a major source of concern. This derogatory mark has already led to a loan rejection and increased interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until resolved.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Loan is an interest only loan that now has a principle payment added. My father passed away several years ago and my mom has a trust where she is the trustee for the trust in the name of my father. My name is also listed, however this bank constantly loses things that are faxed to them and they repeatedly ask for things over and over. Not talking to my mom, telling her they CAN NOT talk to her. 

I need someone from the bank to look into this ... .please. The mortgage payment went from {$1000.00} to {$1900.00} per month, my XXXX yr old mother will not be able to pay this on SS and pension alone ... .we need help from someone
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I received a call from someone who said he was a representative from my bank. He had my information. And scammed me out of {$1000.00}. the bank denied my request to refund it. 
I am a XXXX  citizen and live on a fixed income.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (NC)

My name is XXXX XXXX XXXX. I am submitting this complaint on behalf of myself without any third parties. On XX/XX/2024, I received an email from CREDIT MANAGEMENT, L.P., without prior consent, in regards to an alleged debt owed from a " XXXX XXXX XXXX XXXX XXXX' See exhibit A. On XX/XX/2024, I emailed the above-mentioned back requesting validation pursuant to 15 U.S. Code 1692g as well as a Cease and Desist pursuant to 15 U.S. Code 1692c. See exhibit B and exhibit C. Today, XX/XX/2024 at XXXX, I received a text message from CREDIT MANAGEMENT, L.P., without my prior consent, once again, and a Cease and Desist already in place on XX/XX/2024. See exhibit D. The above-mentioned are in direct violation 15 U.S. Code 1692c as they've continue to attempt to communicate despite issued Cease and Desist. See exhibit E. Anyone that fails to comply with provisions of 15 U.S. Code 1692 subchapter with respect, therefore, liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. See exhibit F.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

My credit report shows a charge off from my XXXX XXXX Credit Card. I had that credit card for XXXX without incident of paying late. For most of that time the card was owned by XXXX XXXX but in later years other companies purchased the business with the last on being Goldman Sachs. I have always made the payments on this card to a po box listed on my statement via a check authorized through my bill pay with XXXX XXXX XXXX XXXX. 
Sometime after Goldman Sachs took over, I received a letter saying my payment had been returned. I contacted Goldman Sachs regarding this problem. We reviewed the details of the payment, account number, etc. and they told me it must be a problem due to that it was a newly acquired card and I should try again. I send another payment ( also eventually returned ) and then receive the new statement showing a late fee had been assessed. I contacted them again with the same results and then more fees. I finally told them I would pay using a different method. I sent the amounts due but not the late fees as they needed to remove them ( They returned my payments ). My understanding was this was resolved, and I closed the account due to the frustration of their customer service. Recently, when buying a car, I was informed that my credit report had a charge off from Goldman Sachs XXXX XXXX. The amount of the charge off was the fees they improperly assessed. 

I have attached several documents showing the payments made at my bank, that they were returned by XXXX and that they then charged me fees and negatively affected my credit. I must stress that several other companies took over the XXXX XXXX over the year and there never was a transition problem like this.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (CA)

Lender imposed insurance for no reason in XX/XX/XXXX. We have always had proper insurance with no lapse in coverage. After more than a year and dozens! of phone calls the with customer service reps in Florida, Michigan, Chicago, and XXXX, and Escrow and insurance reps in Florida and Michigan, and conference calls with both departments my problem has still not been solved. Everyone promises to call me back and no one does.

I need a proper escrow analysis which doesnt impose the incorrect lender insurance policy and credits my escrow account for the incorrect charge. They admit I never need the insurance. I have sent proof of my insurance for over a XXXX  multiple times. They always say the back office is dealing with it and we cant call anyone to help because they dont take calls, and a few more days, and we just need more time, and be patient. They have been taking thousands of dollars out of my account each month over the correct amount that should be PITI. They have inflated the Taxes and Insurance amount escrowed each month by thousands of dollars. They wont do an escrow analysis even though they say they will. It has been months of calls and trying to get help. I have detailed notes of every phone call I have made. Please help me. They are stealing my money each month.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

AMEX platinum card provides {$200.00} credit for some hotel booking. I made a hotel reservation in XX/XX/year> and received this {$200.00} credit. Later I have a change of plan and canceled my booking. Instead of reverse this {$200.00} credit, AMEX charged {$400.00} instead. I tried contacting, using their live chat online. The representative declared that it was their right to reverse credit from {$0.00} and {$400.00}, specifically " We may reverse their statement credit for the benefit if a Card Member cancels or modifies an eligible hotel booking based on the amount of eligible XXXX and/or XXXX bookings made against the amount of credit provided for current and/or previous years. This is known as their eligible net http : //spending.Credit reversal amounts can vary from {$0.00} to {$400.00}, based on whether it is for the current and/or previous year. " but it was not stated in AMEX 's card agreement. The way how and when AMEX reverses such credits seems to be rather arbitrary and not explained in the agreement or to the customers.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-04-30
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. (PA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MI)

American Express increased their annual fee by 50 % and notified me via email. They do not allow account closure through their website. I called to close my account and was placed on hold. They indicated they would call back. I said " Ok ''. An hour later, on a six minute wait, they still haven't called back. So I tried to connect with them online through their " Chat '' feature. They are showing this message " Due to high volume, a Customer Care Professional is unavailable to assist you at this time. Please try again later or call the number on the back of your Card. '' It's clear that AMEX is avoiding closing my account by simply not closing online and refusing to address requests through their " normal '' account closure channels. I clearly don't want to pay the renewal fee, and they are clearly hoping I will forget about it if they make closing my account hard enough. Essentially they're trying to steal {$150.00} from every person who wants to close their account.