davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

My credit report is showing a late payment from XXXX of 2018. At the time I didn't think much of it but now my credit score is being heavily affected by it in spite of my otherwise excellent track record.

At the time I never received any correspondence from Well Fargo that a payment was late until it had already been over 30 days past due. I remember making the minimum payment as soon as I noticed the balance, but the blemish still remains on my credit report. I have asked WF a few times to fix it but they haven't, so it still shows up as a delinquency. 

I've attached images of bank statement emails from XXXX and XXXX of that year, and it's clear that the minimum payment went back to the normal ( {$58.00} ) in XX/XX/2018, indicating I paid what was overdue. I would include statements, but those are unfortunately no longer available from the website. 

I have been a long-time client of Wells Fargo and this is the only blemish on an otherwise perfect track record.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Summary : - Flagstar purchased my mortgage in XX/XX/2021 - My prior bank ( XXXX ) sent an initial transfer payment in XXXX. Flagstar only applied it to the principal.

- Flagstar notified me on XX/XX/XXXX that they misapplied the transfer payment and would resolve it. 
- The transfer payment was never correctly applied and now I have been warned ( on XX/XX/2021 ) that my mortgage will go into a default payment status if I don't make a double payment by XX/XX/XXXX. 
- I have paid my mortgage on time every month. 
- I made contact with 2 members of their management team who only informed me it was my responsibility to see the XXXX transfer payment was misapplied and resolve it within 60 days. 
- Flagstar made purchased my mortgage and misapplied the transfer payment. Those were both internal company decisions and processes. I had nothing to do with it. Why am I responsible for their process failures? 

I have only been a customer since XX/XX/2021. My mortgage was bought by Flagstar. I was given a welcome phone call but things have not gone well since then. My prior mortgage holder, XXXX XXXX, transferred the first payment to Flagstar in XXXX. Unbeknownst to me, Flagstar applied that entire amount to the principal. I began making my monthly payments in XXXX and have done so every month. I received a call in XXXX that my mortgage payments were behind. I was told that it was a result of the transfer payment by the prior bank ( XXXX ) that was only applied to the principal and not the interest payment. On that call, XX/XX/XXXX, the attendant let me know that it would be resolved. I thought all was well. 
I received a call on XX/XX/XXXX, telling me again my monthly payments were behind. I was told that the transfer payment that came from XXXX that Flagstar applied only to my principal balance could not be moved to the right allocations for principal and interest. I was told if I do not make a double payment by XX/XX/2021, then my mortgage will go into a default payment status that will affect my credit. 
As a customer I have done nothing wrong. It's not my fault that Flagstar misapplied the transfer payment in XXXX. It's not my fault the attendant told me on XX/XX/XXXX it would be resolved. The only response I received from XXXX ( on your management team ) was that I should have seen that this initial transfer payment in XXXX was misapplied. 
So as a customer I have made my monthly payments on time every month to my prior and current mortgage companies. This is not fair in any way and a poor treatment of customers. I left a voicemail with XXXX ( on your management team ) with this same information.
Consumer complaint received 2021-10-25
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: Experian Information Solutions Inc. (NJ)

I received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from XXXX for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from XXXX see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (GA)

The amount owed was paid to XXXX XXXX on XX/XX/22, and this company is refusing to update my credit report with the correct balance being reflected as {$0.00} and the status of the account as paid in full. The digital receipt was provided along with the dispute filed with the credit reporting agencies and the current owner of the debt is refusing to update the correctly update the balance, violating my rights as reserved by the FCRA.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (GA)

I disputed a charge from XXXX XXXX for the amount of {$80.00} from the same day XX/XX/2021 I stayed at the XXXX XXXX because I did not stay at XXXX XXXX Chime ( XXXX  XXXX  ) denied the claim when there is no way I could have stayed at two different locations within the same day. XXXX employee told me upon arrival they did not have any rooms available so I told him to cancel the room he did not and they collected funds out my account for a stay that did not happen I paid {$100.00} at XXXX XXXX  and that is where I stayed and not the XXXX the charges was presented on the same day minutes apart. chime and XXXX is refusing to refund my funds.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC (OH)

Revco Solutions put a collections account on my credit report. I never received anything from this company and do not have an account with them. So I mail them a debit validation letter on XX/XX/XXXX  ceritified mail wanted something with my signature on paperwork, dates of procedures and anything they had. Received a response today from Revco Solution with items from my medical records on a procedure from home health care provider XXXX XXXX/speciality and medication that I received and they injected into me in my home. It was on a XXXX  letter head not Revco Solutions also had my health care insurance number on it. I don't have an account with Revco Solutions and I Never signed anything for a release of my medical records or procedures from either of these two companies which violates my civil rights under HIPPA. No where does it say that I owe Revco Solutions any Money or even have an account with them. I would like to have Revco Solution remove the collections from my credit report, I not I will sue them for violating my HIPPA rights.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX at XXXX I was alerted via text message that Chase denied a {$780.00} purchase at XXXX XXXX XXXX XXXX They asked me to confirm if it was me with a " yes '' or " no ''. I responded " No '' within the minute ( XXXX ), as I had not ( and never have ) made a purchase at XXXX . chase confirmed they would close my card and send a new one. 

Chase then reversed the transaction a few days later, so I assumed I was all set. However, a few months later, I was checking my credit card history and noticed Chase had added back the same {$780.00} charge a day or so after they removed it from my credit card without any notice. I had unknowingly paid that charge, resulting in me being out of pocket ~ {$800.00}. I am still out of pocket this amount. This charge should have never gone through, since i flagged it as fraud the same minute I was alerted via text message.

I called Chase to complain, and they said they would raise a complaint with their fraud team and it would take 15 Business days. I waited the 15 Business days, plus a few more, and still heard nothing from Chase. I called and they said their department said the delivery address matched my address on file. I had since moved ( starting XX/XX/2021 ) and no longer lived at that address. They patched me in to XXXX who provided the shipping information for the package but then said I would now have to work with Chase to get the refund.

Chase has been extremely difficult and unwilling to refund me the money, which is why I am submitting a complaint. I can provide time stamped records of the fraud text, my response, and the chase follow up. I am happy to provide any other information needed.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase offered me a balance transfer with a 0 % promotional APR. I was in a rut debt-wise, so this came as a godsend as it would help me pay off my debt faster by avoiding interest payments. Before I took the offer, however, I asked questions regarding how transferring over a balance from another card to my Chase Unlimited Freedom Card card would affect the balance that was already on the card. I was specifically and repeatedly told that the minimum payment due will go to the balance with the lowest APR, and that any further payments beyond that would go toward my highest APR balances. I asked to confirm that if I were to pay the total purchases balance for the month that I would not be charged interest and I was told that that was correct. 

This is the reason I took advantage of the offer in the first place, as balance transfers are done to save on interest payments. I had a pretty hefty transfer, so there is no way I can pay it off in any short time-period. This basically means I have to not use the card anymore or face extra interest payments. I wanted to continue using the Unlimited Freedom card because it earned 1.5 % in cash back rewards but if I am charged interest regardless, there is no amount of money I can spend where it'd be worth it, as the effective monthly interest rate is higher than my rewards rate. I would have NEVER transferred over the balance if I was not lied to and told that I could ensure that interest charges would not occur by paying my monthly purchase balance. 

I have already faced hundreds in additional charges, which has made this balance transfer more expensive than simply leaving the balance on my prior card.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (SC)

I sent letters to XXXX, XXXX and XXXX on XX/XX/XXXX  regarding fraudulent collection items on my credit report Medical Data System IncXXXX XXXX XXXX XXXX  XXXX have violated my FCRA & HIPAA rights. This is a violation of my rights due to providing medical data & information. I've disputed these items with the XXXX reporting, and FTC. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these fraudulent collections are preventing me from doing so. These the items i would like to be removed : Medical Data System Inc Amount {$1200.00} Date Opened : {$1200.00} Medical Data System Inc Amount {$2800.00} Date Opened : {$2800.00} These are violations of my FCRA right and against law : 15 USC 1692c ( a ) - without the prior consent of the consumer given directly to the debt collection, a debt collector may not communicate with a consumer in connection with the collection or any debt 15 USC 1681a ( 2 ) ( b ) - I demand this account to be excluded from my consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) - I demand this account to be removed ; the sharing of medical information and payment transactions for medical products or services is a violation 15 USC 1681b ( 4 ) - I demand my medical information to not be disclosed 15 USC 1681c-2- I demand account to be blocked from my report due to identity theft.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXX Navy Federal took {$1500.00} from my checking account which is a joint account with my husband and took {$830.00} from another checking account in spite of this auto loan # XXXX, being in dispute. This auto loan was in dispute since XX/XX/2022. Navy Federal 's response was that the account was validated but according to federal law, just stating an account being validated does not determine that it is, pursuant to 15 U.S.C 1692g. Also, Pursuant to 15 U.S.C 1692g, when an account is in dispute Navy Federal must stop collection until the information that's required has been sent. I called navy federal numerous times just to be transferred to the collection department and the fraud department and nobody can get me an answer, some tried to tell me to consult with an attorney even though they are clearly in violation. Because of this action, I have not been able to pay my personal bills or supply things for my home. This is defamation of character and unfair and abusive debt collection practices by Navy Federal. This account is still in litigation and the Navy Federal has yet to notate in their systems or contact the credit agencies about the issue.
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (TX)

My house was damaged from the Texas Freeze and a claim was filed with XXXX back in XXXX. A check for rebuild was mailed to Guild Mortgage to be signed so that money could be released to begin the rebuild. Guild Mortgage disputed the percentage of work completed to date and would not release additional funds. The case was sent to XXXX XXXX ( VP of XXXX ). XXXX contacted me and said that there was a misunderstanding by her people and that she would get with them to make sure they understood how money should be released. She also spoke with the owner of XXXX XXXX and he sent her the draw schedule via email and cc 'd me on the email communication. XXXX XXXX ( VP of XXXX ) has not replied to the draw schedule email nor have we been successful in reaching anyone by phone or email. I have been paying for a house that I am unable to live in for eight months. They have yet to move forward with the rebuild since not receiving a response from Guild Mortgage. We are just going around in circles.
Consumer complaint received 2021-10-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I have been trying to get my mortgage out of forbearance since XX/XX/2021. I have been ignored and given the run around by Freedom Mortgage, with no solution in sight. 

I recently received XXXX XXXX XXXX XXXX XXXX  service connected XXXX from the VA, and have asked Freedom Mortgage to update this to reflect in my currently monthly obligation. 

I feel completely helpless, and that Freedom Mortgage does not have any interest in helping me get back on track. I have countless emails as proof of my attempts to ask for help, and they have largely gone unresponded to. 

Please help.
Consumer complaint received 2021-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Finance has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified Capital One in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XXXX of every month the account must have a Zero Balance.

Keep this revolving account open indefinitely.

Increase my credit limit on this open-ended credit plan to {$50000.00} every month.

Remove all monthly balances owed and report Zero owed for every reporting month, since the beginning of this account to all credit reporting agencies. 

Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. 
Remove all late payments reported to all consumer reporting agencies. 

I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). 

Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.
Consumer complaint received 2021-10-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

My property underwent a loan modification in XXXX when the housing market had fallen. At the time of the modification, I had 2 lien holders, which were supposed to be included in the load modification. When the modification was complete, I was contacted by 1 loan servicing company, XXXX XXXX XXXX. I began making payments and missed no payments. 

Eleven years later on XXXX, I received a letter from a servicing company named Statebridge Co. introducing themselves as my mortgage servicing company. On XXXX, Statebrige stated that I owed {$120000.00} and they wanted me to pay it all at once or apply for a loan modification or reinstate the loan. My only servicing company, XXXX XXXX XXXX, had no knowledge of any other outstanding loan nor were they not contacted by Statebridge to cure any loan balance, plus I had never missed any payments with my one and only servicing company. 

I requested to reinstate the loan and applied for a loan modification at least 3 times but were denied all requests by Statebridge. 

On XXXX, Statebridge put my property in default. On XXXX, I filed bankruptcy to avoid foreclosure with XXXX XXXX XXXX but it was dismissed XXXX. My house was wrongfully foreclosed on XXXX during the COVID-19 while the courts were closed by XXXX XXXX XXXX attorney XXXX XXXX for new owner, XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX  XXXX XXXX XXXX who both are NOT registered to do business in California. I wasn't properly served nor had an opportunity to attend an auction to bid on my property. On XXXX, an eviction judgment was granted and on XXXX, I was locked out of my house by the Sheriff.

I am a victim of elder abuse and predatory lending. I am XXXX years old. I had been in my house since XXXX. My loan modification requests were not honored by Statebridge. I wasn't properly served of a foreclosure taking place during the COVID-19 pandemic. My house was wrongfully and fraudulently foreclosed by a business who is NOT registered to do business in the State of California which are XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX are stealing people 's homes and evading taxes because they're not registered with the CA Secretary of State. Their business address is not valid because a processor attempted to serve court papers, but no office was actually at the location. XXXX XXXX XXXX, owners XXXX and XXXX XXXX are selling houses for XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX  who are not registered to do business in CA. 

All these parties involved needs to be exposed of the fraudulent transactions and put out of business. They need to be stopped in their tracks!!
Consumer complaint received 2020-12-30
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: Yamaha Motor Finance Corporation USA (WA)

I make payments to Yamaha XXXX XXXX through my bank. In XXXX, my payment was sent the day before it was due. I was charged a late fee and wasnt aware that a late fee was appended. Consequently, they reported my account exceeded a 30 day payment which drove my credit score down. I have sent them proof of payment along with my bank statements to show that payments have been made on time. They have acknowledged these payments but refuse to report my account correctly. When asked, they told me I need to speak with their billing department to make these changes but refuse to give me contact info to engage.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020 my bill on two Capital Bank cards did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.