davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: REGIONS FINANCIAL CORPORATION (FL)

This letter is in reference to my complaint regarding numerous late fees charged to me by Regions Band on my automobile loan. The total late fees charged were {$600.00} which amounts to XXXX late payments at {$22.00}. The original loan date was XX/XX/XXXX. The first late charge appeared XX/XX/XXXX. A second was charged XX/XX/XXXX. No other payments included a late charge until XX/XX/XXXX. From then on for the next XXXX payments a late fee was charged. The total was {$600.00}. In most months I made payments around the XXXX of the month. 
I check the status of my credit cards and loans through looking at my credit reports on a regular basis. My credit score is in the high XXXX or low XXXX and the Regions loan shows 100 % of the payments were made on time. ( I can provide this documentation if necessary ). When I discovered that there was this large late fee due, I contacted Regions. This was on XX/XX/XXXX. I was told that a ticket was being opened. I heard nothing further from this call. I did, however, make an additional payment to be sure no further late fees would be charged. In late XXXX or XXXX XXXX, XXXX I called Regions to get the payoff. I was informed that there was an issue and that I would have to contact another office. After multiple calls and/or transfers I was told that they were authorized to write-off a maximum of {$35.00} and that anything else had to be done through a branch. The closest branch was in XXXX XXXX, Texas, XXXX miles away. I went to the branch and spoke with the branch manager who was very kind and professional but explained that he understood my position but that if he were to make the decision to write-off any amount on the loan, he would be in grave trouble with his boss and the write-off would go against his branchs profitability. As a result, he was unable to do anything for me. 
My issue with Regions is XXXX fold : XXXX. I was unable to contact anyone who, even if they agreed with my position, had the authority to make a decision without ramifications from senior magement. 
XXXX. There was no attempt to contact me regarding the late fees other than as they appeared on the monthly statements. ( No separate late notice, no email, no phone contact ). 
XXXX. Having made monthly payments regularly for XXXX continuous months yet continue to add {$22.00} each month, in my opinion, is unfair and a poor business practice. 
XXXX. Not addressed above, but when I called for my payoff, I received three differing amounts after being transferred from one office to another.

I ask that Regions credit my account for {$600.00}. If it is believed that I should have been charged for three late fees, then the credit should be {$530.00}. If required, I will provide documentation.
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

Good Day this complaint is once again against XXXX and Midland as my previous XXXX complaints this is due to identity theft fraud. These accounts were opened without my authorization. As per my previous complaints I have attached my FTC Affidavit that is notarized my identification, their previous response and also the new addition is I went and filed a police report which is also attached please again remove the accounts from my credit report and cease all communications with me. This isn't my debt. And the bank account isn't and doesn't belong to me. 

Thank you
Consumer complaint received 2024-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (FL)

I have my mortgage through loancare LLC. I was on a payment assistance through the department of economic opportunity where they were helping with my mortgage payments until XX/XX/XXXX. They advised me they sent the payment to loancare at the end of XXXX for the last payment, but loancare would not apply the payment until after I had to call multiple times in XXXX where I was advised it would be applied, but it wasnt finally applied until XX/XX/XXXX! The department of economic opportunity sent them the payment at the end of XXXX!! This has caused an issue for me due to the fact loan care did my escrow analysis before that payment was applied so it shows I have an escrow shortage of about XXXX. I have tried calling over 10 times today to try and reach someone for them to re run my escrow analysis so I am not showing short. I cant even reach a live person! The phone keeps disconnecting even though my statement shows they are open today until XXXX est. I have never been through such a high amount of stress from a company before. Its been a nightmare dealing with them ever since we got our loan in XXXX. On top of that, their systems were hacked and they were under a cyber attack and I received no notification of this until weeks after it happened with a letter through the mail! This has caused fraudulent activity because my information was taken, with even a credit card opened with my information and multiple spam calls. My credit has been impacted by this, we were denied multiple loans which caused hardship, and the stress and anxiety because of this has been horrific. its been awful. If loancare does not resolve this I will be going to the media and filing a lawsuit. I was denied loans to help with necessary home improvement due to this and them posting the payments late that the department of economic opportunity was sending for our account. I even tried to look into getting an equity loan and was rejected.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank almost XXXX  months ago reversed a XXXX transaction I received for something I sold. A day later they tell me my account is being closed. I try to explain to them that I was scammed because I sold something thinking XXXX was irefundable. Despite that they closed my account, failed to allow me to dispute those fraudulent XXXX transactions and have not mailed me over $ XXXX in funds In almost XXXX months
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Bought XXXX XXXXXXXX. Used Reward points from Chase. Received credit from XXXX returned purchases. 1st contacted XXXX several times. Finally told Chase had to apply refunds to Reward points. Contacted Chase on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Keep getting run around. Said would escalate & get back to me within 3-5 days first message. NO response. Contacted again-told they would get back to me 1-2 days. Time for redepositing Rewards points long overdue. Rewards points-same as cash. Appreciate intervention-this constitutes bad business practices. Requesting points be refunded to account + {$50.00} credit to cover my time of multiple contacts to resolve. We're writing to let you know we processed your refund of {$22.00} for your XXXX XXXX from XXXX XXXX  XXXX XXXX. This refund is for following item ( s ) : Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Oversized Sweatshirt, XXXX, XXXX Quantity : XXXX XXXX  : XXXX Reason for refund : Order cancelled Here 's the breakdown of your refund for this item : Item Refund : {$15.00} Shipping Refund : {$6.00}. We'll apply your refund to the following payment method ( s ) : Reward Points : {$22.00} XXXX Credit Card [ expiring on XX/XX/XXXX ] : {$0.00} We're writing to let you know we processed your refund of {$18.00} for Order XXXX. Refund for the following item ( s ) : Item : Red and Green Tree Sprinkles- 4 oz Resealable Stand Up Candy Bag - XXXX Themed Sprinkles Featuring XXXX Trees - Bulk Sprinkles for Baking XXXX  : XXXX Reason for refund : Item not received Here 's the breakdown of your refund for this item : Item Refund : {$9.00} Item Promotion Deduction* : ( {$1.00} ) Item : XXXX XXXX XXXX, cinnamon, XXXX XXXX Quantity : XXXX XXXX XXXX XXXXXXXX Reason for refund : Item not received Here 's the breakdown of your refund for this item : Item Refund : {$8.00} Item Tax Refund : {$0.00} We'll apply your refund to the following payment method ( s ) : Reward Points : {$18.00} Received a message from Chase advising me they had refunded one of my returned purchases, HOWEVER, instead of crediting my account they debited it. Messaged them again about their error, told me they escalated it and I would have to wait 5 days for response. That will NEVER come.
Consumer complaint received 2023-12-23
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)

The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.
Consumer complaint received 2024-06-14
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NV)

XXXX XXXX is the name, they call at all times of the day before legal operating hours, before XXXX, late at night. Its completely harassment for almost there years now. Ive disputed this debt with them. My next step is to file a complaint with the XXXX. This needs to be taken care of immediately. Its illegal what they are doing. Stay away from XXXX XXXX and there harassment tactics.
Consumer complaint received 2023-11-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (TN)

Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Newport Intermediate Inc. (CA)

XXXXXXXX XXXX  XXXX, instead of issuing refund checks, use a company called XXXX XXXXXXXX XXXX to send debit cards to their former customers. 
XXXX XXXXXXXX XXXX is a scam. Customer service is unreachable, the cards are impossible to activate based on the phone numbers or QR code provided with the card. 
I was only able to activate mine by finding a XXXX XXXXt with a customer service number not listed anywhere else. 
Meanwhile, once they send it outXXXX XXXX XXXXXXXX XXXX drains the accounts to the tune of {$3.00} per month. 
This is clearly a scam based on attrition, counting on customers to give up after frustrating attempts at trying to use the card, and betting that customers will abandon their refunds that are under {$50.00}.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Georgia Laws Dear CAPITAL ONE, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws as they apply in the state of Georgia. 

It has unequivocally come to my attention that ( Company Name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Georgia state law under the Fair Business Practices Act ( FBPA ) and the Georgia Identity Theft Act emphasizes the necessity of consumer consent for credit reporting and highlights the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for ( Company Name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( Company Name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Sectio
n 1681b ( a ) ( 2 ) of the FCRA and the relevant provisions of Georgia law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ( Company Name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX accounts XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. current for XX/XX/XXXX, XXXX and XX/XX/XXXX. 

XXXX, XXXX and Transunion have a duty to do what is fair and equitable to me and delete the inaccurate late payments reported.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have already made a complaint and the company responded with how my payments were applied to my account. The matter was closed. The whole point is how they say my payments were applied and it does not match up to my statements and nobody looked at my uploaded statements before closing the matter. I provided more detailed information with my response to COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I applied for the Capital One Venture X business card in XX/XX/2023. They closed my account without providing any reason in XX/XX/2023. They also refused to refund any of the {$390.00} annual fee, citing that it is non-refundable even they closed my account. 

I also have a credit balance of {$1700.00} on the account. They refused to provide a refund check for it. According to their representative, it can only be done automatically by the system and there is no expected time frame for it. 

I hereby request Capital One to refund me the annual fee and my credit balance in full, for the total of {$2100.00}.
Consumer complaint received 2024-05-22
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: Guild Holdings Company (TN)

My mortgage is held by Guild Mortgage. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with Guild to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus XXXX XXXX XXXX XXXX ) have been attached.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account was flagged as 30 day late back in XXXX of XXXX  however this is my 2nd complaint to cfpb not only did the company illegally report the late payment but no correspondence was sent to me by telephone nor by email I was also recently told that per the customer agreement that the company can report late payment but I never received a copy of the customer agreement until I filed a report along with me requesting proof of correspondence letting me know my payment was due I have been a customer with capital one for 3 years and have never missed a payment and since they flagged my account with an inaccurate late payment all payments have been made on time. 

Capital One Walmart XXXX Showing late XX/XX/ XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion on Monday, XX/XX/, around XXXX XXXX PT. I called over five ( 5 ) times consecutively, and was disconnected each time. I was successfully able to get passed the XXXX, however, once connected to an agent, every phone call was disconnected. This only happens with TransUnion. I called my cellphone provider to troubleshoot, however, there was nothing wrong with my phone. I am in XXXX XXXX and there is no problem with cell phones in my area. I also have all five ( 5 ) bars displayed on my phone. This problem happens with the offshore TransUnion agents. This includes both XXXX and XXXX XXXX locations.
Consumer complaint received 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I filed a loss mitigation application on XX/XX/2023. On XX/XX/XXXX after calling a few times I found I was approved for the mitigation I applied for, but I asked at that time if there was to be anything I needed to sign or send back which I was told a document would be shipped out by certified mail. All of XXXX went by before I called again getting a manager to ensure they would send communication as I had not heard anything other than mail wanting money even though I was in process/approved for mitigation. I received the paperwork via certified mail and paid the fee associated with it. I have not seen on any of the paperwork how much money I am to owe/expected to pay and when the dates are to start again. I called the mitigation department again and was placed into a callback later list still trying to piece together what they have or haven't sent me. I need to know more than what they have sent me in the mail. Which I have attached all documents I have gotten in the mail to this.