davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

My loan was transferred/sold to Mr. Cooper from another lender. They make it extremely difficult to set up bi-weekly pymts. It's hard to find how to do it. Then once you find it, it's like an act of Congress to get it set up. They require that you are paid way ahead on your mortgage, then do not respond once you send them the required information and documentation. I did everything they required... I filled out their form completely that they required to set up every-two-weeks payments and emailed it to them on XX/XX/XXXX. Their form specifically says fill out ACH instructions " or '' provided a voided check. I filled in ACH instructions. However, I then received an email back saying they needed a voided check, so the same day ( XX/XX/XXXX ), I also emailed them back with a voided check and I made an additional payment online to 'pay ahead/in advance ', like they required. However, they failed to set up the bi-weekly payments, and then sent me a notice that my payment was overdue. I no longer had auto-payments set up, because they REQUIRE that you also halt your auto-pymts before they will process a bi-weekly payment request. It seems like a racket to make it impossible for consumers to set up a payment plan that is advantageous to the consumer, like a bi-weekly payment plan vs. a monthly mortgage payment, since a consumer can save a lot of money in interest by paying off their home by making half-payments every 2 weeks vs. the amount of interest ( profit ) that lenders get from consumers who only make one payment, once a month. I have emailed them again, but have not received a response. However, they are sure " on the ball '' with sending me marketing emails and mail for additional products to make THEM more money!
Consumer complaint received 2024-04-06
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-08
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: Self Financial Inc. (FL)

I am writing to file a formal complaint against the creditor Lead Bank regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and XXXX Bank, the discrepancies persist. The account details, as reported by XXXX, XXXX, and XXXX, exhibit inconsistencies and incomplete information that remain unresolved. The account in question is outlined below : - XXXX and XXXX report the payment status as paid or pays as agreed, while XXXX claims Paid account/was XXXX  days past due date two or three times. 
- XXXX reports None Reported under worst delinquency, but XXXX and XXXX indicate 30 days past due. 
- Discrepancies exist within the payment history, with multiple months displaying no data. For instance, XXXX reports a XXXX late payment in XX/XX/XXXX and XX/XX/XXXX, which neither XXXX nor XXXX are reporting. 
- XXXX does not provide the date closed for this account. 
- XXXX and XXXX do not provide any data in the terms field. 
- There is no dispute remark, despite this account previously being in dispute. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.
Consumer complaint received 2024-01-08
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: PENTAGON FEDERAL CREDIT UNION (CT)

THIS  COMPLAINT  IS  TO  PUT  THE  CFPB  ON  NOTICE  OF  MY  BILLING  ERROR  NOTICE  TO  PENFED  IN  WHICH  THEY  FAILED  TO  RESPOND TO   ACCRODINGLY  AS  STATED  IN  THE  LAW  FOR  RECORD  PURPOSES---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PENFED  YOU  HAVE  BEEN  PUT  ON NNOTICE  UNDER  A  BILLING  ERROR  ON  MY  CREDIT  ACCOUNT  WITH  SPECIFIC  LAWS  THAT  GOVERN  YOUR  OBLIGATION  TO  PERFORM.  YOU  HAVE  RESPONDED  WITH  A  VERY  CONFUSING  AND  ERRONIOUS  LETTER  THAT  I  KNOW  NOT  THE  PURPOSE  FOR.  PLEASE  EXPLAIN  WHAT  THE  LETTER  IS  ABOUT.-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOTICE  YOU  HAVE  RECEIEVED  THE  NOTICE  AND  ARE  FULLY  AWARE  OF  THAT  LAWS  THAT  WERE  STATED  IN  THE  NOTICE. YOU  SHALL  RESPOND  PROPERLY  TO  THE  NOTICE  WITHIN  30  DAYS  OR  RISK  FORFETURE  OF  COLLECTING  ANY  AMOUNT  UNDER 15 USC 1666(e)------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------IF  THE  PERSON  ADDRESSING  THIS  COMPLAINT  HAS  NO  KNOWLEDGE  OF  THE  LAW  PLEASE  FORWARD  THE  COMPLAINT  TO  SOMEONE  WHO  DOES  BECAUSE  IGNORANCE  OF  THE  LAW  IS  NO  EXCUSE  TO  VIOLATE  IT  AND  CAN  RESULT  IN  MATTERS  ESCALTING.--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PLEASE  ADDRESS  THIS  MATTER  PROPERLY  WITH  NO  BOGEZ  LETTERS  NOR  MINIMUL  EFFORT.  THANK  YOU  KINDLY.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXXXXXX have 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.
Consumer complaint received 2024-01-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (MO)

WELLS FARGO BANK , N.A . refused to acknowledge any of my requests for information. I also provided them with a negotiable instrument which they refused to return. I cancelled their security interest in my property prior to the XX/XX/2019 foreclosure. The did not respond to my requests for information.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

Payment for Hilton Honors Am Ex card was processed on XXXX XXXX, which is the payment due date, see attached proof of payment from XXXX XXXX. Am Ex claims that they received the payment a day late on XXXX XXXX  and charged my account {$29.00} late fees on XX/XX/XXXX and interest on XX/XX/XXXX at {$11.00}, which is now due on XX/XX/XXXX, total of {$40.00} in fees and interest for payment that was " processed on XX/XX/XXXX ''. 

I reached out to AM EX customer service via chat and voice call. They insisted that they received the payment on XX/XX/XXXX. None of them were able to offer one-time courtesy credit ( My bills are paid in full and on time ). 

I am also concerned about additional interest on these late fees and interest popping up in subsequent cycles of billing. 

Numerous consumer board chatter/conversations state similar issues with Am ex charging strategies - fees and interest in similar situations as mine.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I tried to scheduled a payment from Wells Fargo Bill Pay service for payee 'property tax lah ' in the amount of {$8200.00} to be sent out on XX/XX/XXXX. I quickly realized the amount was supposed to be {$17000.00} so I immediately went back and modified the amount from {$8200.00} to {$17000.00}. I doubled checked and both date and amount looked correct before I logged out. Then on XXXX, I got an email alert from Wells Fargo, apparently they somehow sent out a payment to that payee in the amount of {$8200.00}, which was not set up by me, without my authorization. The payment drained my account and triggered the overdraft action. I called WF immediately and explained I never set up that payment. I was advised by the representative to put a stop payment on it so everything would be back to normal. However, he never mentioned that the payee would still try to clear the payment and there would be consequence. A few weeks later, the payee sent me a bill for {$85.00} for a return payment fee, which I paid already to avoid further damage. 

On XX/XX/XXXX, I filed a case ( ref # XXXX ) with WF to request a reimbursement of the {$85.00}. I was told someone would get back to me in 2 business days, which never happened. Called again on XX/XX/XXXX and spoke to XXXX, who opened another case for me ( ref # XXXX ) and again no response from WF. On XX/XX/XXXX, I called WF again and spoke with XXXX at the XXXX XXXX XXXX. This time she told me she was able to see my bill pay history and confirmed I did just edit the amount so she filed another case for me ( ref # XXXX ). She also said she was able to retrieve my previous cases and the information in the 2 old cases wasn't sufficient, so this time she would include in the new case her new findings, which validated my story. However, I waited for a week and still no response from WF, so I called again on XX/XX/XXXX. I was read a resolution letter, which was supposedly to have been sent to me, that it was ruled against me. I requested to speak with a supervisor and was transferred to XXXX. After checking with the Bill Pay department, he basically just said Bill Pay is a customer-driven service so it can't be their fault, hence my case is closed without any resolution.

In summary, the main issues are : 1. They sent out a payment without my authorization.

2. Their customer service representative corrected a mistake on their part at my expense. 
Wells Fargo has been giving me run-arounds and eventually I hit a wall. I'd really appreciate any help. Thanks.
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (CA)

I am writing to file a complaint against Alliant Capital regarding their debt collection practices, which I believe to be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I recently received a letter from Alliant Capital on XXXX XXXX XXXX regarding a debt that allegedly was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the letter, they stated that I had until XXXX XXXX XXXX to respond to the charges. 

However, within just three days of sending this letter, on XX/XX/, I experienced what I consider to be egregious harassment by their representative, XXXX XXXX XXXX also using the name XXXX XXXX ). Despite the letter clearly stating that I had until XX/XX/2024, to respond, XXXX XXXX contacted my relatives, seeking information about me. 

When I contacted XXXX XXXX to inquire about this, he explained that they had tried to reach me by phone, and since I did not respond, they resorted to contacting my relatives. During our conversation, XXXX XXXX dismissively mentioned that I was now XXXX XXXX XXXX XXXX because they had called my relatives. I found this choice of language unprofessional and disrespectful. 

I specifically asked why they did not contact me through email or regular mail, as they have my email address and home address, but XXXX XXXX claimed he had already sent an email, which I allegedly did not respond to. I pointed out that the email clearly indicated that I had until XX/XX/ to respond, and questioned the need for contacting my relatives. 

Despite my concerns and insistence that such actions are against the law, XXXX XXXX continued to dismiss my objections, stating that I " didn't know what [ I ] was talking about '' and that he was within his rights to contact my relatives. I firmly believe that such actions are in violation of the FDCPA, which prohibits debt collectors from engaging in unfair, deceptive, or harassing conduct. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Alliant Capital for its violations. I have attached a copy of the letter I received from Alliant Capital, as well as any relevant documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-19
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. (NH)

I do not have a complaint with Trans Union directly, but in the past few months I gave proof that the XXXX XXXX XXXX card that was on my Trans Union report was the sole responsibility of my husband, and that I was only an authorized signer. I wanted XXXX XXXX XXXX to remove this account on all three credit reporting agencies, of which the account was deleted on XXXX and XXXX   respectfully. I respectfully request that Trans Union follow through with XXXX XXXX XXXX and delete their account reference immediately as per the XX/XX/2018 letter in this matter.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CO)

XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I was contacted by Law Offices of MBA for a debt collection. I am not aware of any debt pertaining to this account. I sent a written letter requesting an itemized bill in order to verify the debt. My requests have been ignored and now the company has made a false report to the credit bureau causing my credit score to be affected negatively.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

On, I believe XX/XX/XXXX I contacted my credit card company, along with the merchant, XXXX on a three-way-call to request a credit for a payment I made with my Citi Credit Card on XX/XX/XXXX in the amount of {$550.00}, which the merchant claimed she did n't receive. She stated the payment was processed via XXXX who in-turn should have made the deposit to her bank account, but she claims she did not receive the payment. During the three-way-call the credit card customer service rep confirmed that the payment was indeed made to XXXX. I was also able to see it on my account transactions. Well, at that moment we decided to request a credit for the {$550.00} and I agreed to make the payment via XXXX. ( This agreement between myself and the merchant was recorded by Citi Card Acct Services ). 
To my surprise the charge of {$550.00} was put into dispute, but then I realized, of course. There was to be an investigation. The dispute was investigated and the merchant provided proof of the transaction. Then, of course the payment was posted back to my credit card account. In essence I paid twice for the service provided once. I was confused about the whole process. I admit and have taken responsibility for my ignorance but I was also misguided by the Citi Card customer service reps. After getting an understanding of what had happened I requested that the dispute remain open via email on XX/XX/XXXX, which was the deadline for any other information I wanted to provide to keep the investigation going. 
In that email I asked the dispute dept to please contact the merchant again so they can confirm my story and that the merchant will not contest my dispute. I have been in contact the merchant throughout the whole dispute process and she agreed. They never did contact her. 

Then I received a notice, date XX/XX/XXXX that the dispute was closed. I contacted Citi Card dispute dept and spoke to XXXX, the Account Manager on XX/XX/XXXX and, to make a long story short she denied my request to keep the case open or should I say re-open it even with the proof that I contacted them before the deadline with additional info via email. 

What would I like the outcome to be? I would like for the Citi Card Dispute Department to reopen my dispute, get in contact with the merchant, XXXX and credit my account for the {$550.00} and/or to follow the paper trail and confirm that the merchant really did n't receive the payment. 
I am not denying that the service was not rendered I am stating that I made a duplicate payment of {$550.00}. 

I am hoping that you can please provide me with the assistance I need to obtain my money. I accept responsibility for my ignorance but I should n't have to be punished for it.
Consumer complaint received 2024-01-08
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: GOLDMAN SACHS BANK USA (GA)

On XX/XX/XXXX I purchased a 1 oz gold bar for {$1900.00} on XXXX with my Apple credit card using Apple Pay. I normally wouldnt make such a large purchase on XXXX but I felt comfortable because it came with a money back guarantee, and the price wasnt low so it didnt seem like a scam. The same day I made the purchase my account on XXXX was suspended. I called to inquire as to why that happened and was told that they could not tell me why but that it was irreversible. I was confused when I still received the gold, I first attempted to call the merchant, XXXX XXXX XXXX XXXX XXXXXXXX to return the item. They told me to contact XXXX and that it was not their problem. I contacted XXXX to return the item only for them to say I could not return the item because my was suspended and it could not be reversed. They even suggested I have a friend or family member make an account to return the item. I contacted my credit card company, Goldman Sachs and file a dispute on XX/XX/XXXX. I sent all the emails between myself and XXXX and also a picture of the receipt showing a money back guarantee and emails showing my account was suspended the same day. On XX/XX/XXXX Goldman Sachs responded that they were siding with the merchant, stating that I had agreed to the terms and conditions at the time of purchase, although neither XXXX nor Goldman Sachs could tell me what terms and conditions I violated. I dont understand how a merchant can sell me something with a money back guarantee only to suspend my account hours later, and still have the item shipped to me. It seems to me like XXXX colluded with the merchant, XXXX XXXX XXXX XXXX XXXXXXXX to sell fake gold. Goldman Sachs continually sides with merchants in disputes with little or no effort to resolve any issue in the costumers favor. The last dispute I had with Goldman Sachs I had to take to the Georgia consumer protection agency for help resolving and the merchant sent me a check after Goldman Sachs sided with the merchant twice.
Consumer complaint received 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account numberXXXX