davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I almost died three years ago and I had to go into hardships program with my Walmart Cards. I have been paying my payments got it down to XXXX on one and XXXX on the other then I go into pay and shows XXXX  and capital so I hit on the XXXX as usual set up my monthly payment that was agreed on XXXX a month on each card no interest set for a number of months still paid off. Then I get a letter from Capital One. But when I saw both of the companies listed I called to find out what was going on. The one I make the payment to said it will stay with XXXX. Today, I received 2 letters about each card going to Capital One. So I called Capital One and they said until the XXXX they would be able to see the account coming over but I said my account is closed but I am in a hardship program with the other bank. She said it would still be coming to Capital One and they would have to renegotiate my program. That is a bunch of XXXX because Capital One will not let you be in a hardship program without some interest. They are robbing the comsumers that are financially broke but still want to pay what they owe and not go into a debt settlement program by a company and they make money off of you. This is not right. I had to pay the balance because I got scared about these cards going to capital one. And I was lied to 3 or 4 times. These credit cards companies are getting rich off of people and no wonder there is so much credit card debt because the cost of living is killing our society that are normal. people. I am on a fixed income of Social Security and never went on disability which I should have and worked all my life to end up with nothing. I can't work I am now XXXX years old in bad health. But you need to know how Walmart has done there customers with this credit card situation and jerking them around. That is what a lot of them are doing and these Cable companies are outrageous. They cut your programs you watch due to a conflict and then they still charge the same amount. XXXX and XXXX XXXX are the worst. This put me in a bind to pay those cards off but I had no choice because of what Walmart Credit Services did on Changing to Capital one. Just a scam to get people to get a new card with Capital One.
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

on XX/XX/19 i went to the company and paid my loan in cash and the rep also charged my bank account at the same time. i submitted a dispute with my bank and the company and they won't help me because i don't have the receipt. they have cameras but refuse to check the tapes. even if i had the receipt it would show i paid with the debit card because the transactions were done on the same day. this is the second time this has happened. the first time i got my money back but this time they won't give it to me. so I've paid XXXX on a XXXX dollar loan and they claim i still owe XXXX. I'm about to lose my car because i can't pay my car note.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Purchased XXXX XXXX on XX/XX/2019 at dealership, financed through Capitol One. First payment on car was attempted, Capitol One does not allow a payment to be posted anytime prior to actual due date. Called Capitol One on XX/XX/2019 to inquiry why I could not make a payment when I receive statement that payment was due. Was told they have a Pay Ahead Policy, which means I can never make a payment before my due date. This is not noted on my contract. I asked them how I could make payments for a few months to always be ahead on payments and was told the same thing, that I am not allowed to make any payments, even 1 minute prior to the due date due to their " no Pay Ahead Policy ''. I have never had a car loan or any other loan that I was not allowed to make an early payment. I have always paid my bills ahead of time to pay them off early. They did state that I may pay the principal at anytime I like but as far as my payment, it is not allowed to be made prior to the due date or in advance due to their Pay Ahead Policy they have. This appears to me a way of collecting additional interest for no reason except to benefit the company.
Consumer complaint received 2019-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Please remove this account from my credit report as soon as possible.
Consumer complaint received 2023-03-20
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: 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 XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one is fraudulently reporting my account 30 days late in XXXX of 2019. I made the payment through the online system and alerted the customer service representative about the issue with the online banking with my bank and capital one. Every month there was a problem making payments until I switched to a debit card. I contacted customer service reps and managers without assistance. My bank has made several accommodations for capital one. I will be suing capital one of my credit report is fixed and the balance waived. This company never does right by customers and always tries to purposely hurt the consumers credit. I made my payment on time there was issues with there online system and there ach clearing house with my bank.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I am writing to inform you about a recent debit card replacement and associated fee on my checking account. 

On Sunday, XX/XX/2024, I attempted to use my debit card at a Bank of America ATM for a deposit. Unfortunately, the transaction was unsuccessful. When I contacted customer service on Monday, XX/XX/2024, I was informed of an issue with my existing card and the need for a replacement. I was advised that the new card would arrive within 1-2 business days. While I received the replacement card promptly on Tuesday, XX/XX/2024, I was surprised to discover a {$15.00} rush delivery fee associated with its issuance. 

My concern lies in two areas : Unexpected Rush Delivery Fee : The customer service representative did not mention this fee during our conversation on Monday. I would appreciate clarification on why the standard delivery option was not offered, and how I might avoid similar charges in the future. 

Account Security : I was further concerned to learn that the reason for the card replacement was a suspected fraudulent activity report. While I understand the importance of security measures, I did not report any fraudulent activity on my account. It would be helpful to receive more information about the nature of this suspected activity and the steps taken to protect my account. 

I kindly request a review of this situation and a potential reversal of the rush delivery fee. Additionally, I would appreciate further details regarding the security concerns that led to the card replacement. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (PA)

Ford motor company sold my account to a third party collection agency without my knowledge.. Selling or transferring debt from one creditor or collector to another can happen without your permission. However, it typically doesn't happen without your knowledge. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you.
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (FL)

Every month when I called LendingClub to make my payment they don't post the payment with the same day I called to make my payment if the payment is within the cut off time. I submitted plenty of complaints and ni one called me or sending a resolution of the complaint. O letter no calls. Nothing. 

Recently i called and they advised me that i have a payment that was applied to principal because I paid before the due date. I request the payment to be reversed and apply the payment to the current month but they advised they are not able to do that. 

Also because of the poor customer service asked for a supervisor and they informed there is no Supervisors available. This is no the first time this happened.
Consumer complaint received 2019-05-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is Reimer Law Company, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KS)

I recently signed up for the Best Buy Credit card, which is a revolving credit card handled by Citigroup, or a part of Citigroup. The terms included 18 months at 0 % interest for my purchase. On around XX/XX/2019, I set up an ACH ( electronic payment ) on Citi 's website to pay the bill and scheduled the payment to occur on the due date ( XX/XX/2019 - in this case ). The payment was {$110.00}, which was above the minimum amount of {$47.00}. As mentioned, the payment was set up to be paid on the credit card 's due date using Citi 's own website. However, on XX/XX/2019, I was charged a late fee of {$28.00}. Again, this should not have occured because the ACH payment was set up to occur on XX/XX/2019. On XX/XX/2019, I called Citi 's service department and they stated I did not schedule the payment to be paid on the due date but would credit my account the {$28.00}. In addition, they stated that I should allow 2 business days for the credit to occur. As of XXXX CST on XX/XX/2019 ( 3 business days later ), I have not received the {$28.00} credit. I believe that this may be an intentional practice by the Citi retail services group ( i.e. payments scheduled by consumers on time, or the due date, yet the company charges late fees ) and wanted to bring it to your attention.
Consumer complaint received 2019-02-04
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (CA)

209percent interest on a {$2600.00} dollar loan. Now owe XXXX dollars because I don't have payoff amount. Falsely led small print writing I signed for but did not see it.
Consumer complaint received 2019-05-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (AL)

XXXX XXXX I contacted Hunter Warfield Inc I Spoke with Ms XXXX who I learned was in charge of my case. I inquired about the debt because I saw it was on my credit and she immediately said that they were in the process of taking legal action against me for this debt and that she could not give the itemized list of charges because of this. we exchanged a few words and eventually she said it was her job to say what she said and she finally agreed to send the paperwork. We also discussed a payment plan and she stated that she would need {$180.00} a month for 6 months and then we can revisit to increase if possible. I stated that it may be ok but I needed to go over my finances to see what I could take out to afford it. I sent her my printers email address so it could print right out and I finally received a paper on XX/XX/2019. Which I noticed was a encrypted message that I had to click a link to open. 

On XX/XX/2019 I called back to Hunter and Warfield and spoke to Mr.XXXX  and I explained to him that the encrypted message came through a printer and I was unable to open it and I wanted to update my email address. He took the new email and stated that I needed to set up an arraignment or his client will take legal actions against me. I told him I understand but I needed to see what exactly I was being charged for. he kept going on and on about setting up a payment today until the last time I stated that I understand and I will set something up once I received that paperwork. He then says ok Mrs XXXX I will make sure I tell my client that you are refusing to pay and they can take further legal actions against you and I stopped him and said that I never said that and don't I have a right to know what i'm paying before I set anything up and he said yes but you need to set the payment up today so I hung up the phone. 

I then was able to reach the client on XXXX XXXX and got them to send me a copy of the itemized list the same day. 

On XXXX XXXX I called Hunter and Warfield back to set up payment arrangements for the debt owed and spoke to ms. XXXX. I stated that I could pay {$50.00} a month for 6 months and we can revisit to see if i can increase payments. XXXX stated that her client will accept nothing less than {$180.00} a month and I stated that wasn't something I could afford at the moment. we went back and forth and she said {$50.00} would not cover the daily interest the debt is accruing and she didn't want me to be upset because I would not see the payment decreasing. I said that it was fine and that was all I could pay at the moment and she still stated that her client would not take anything less than {$180.00} a month so I said that I couldn't afford it and her response was next time I call back the full amount would be due and all payment plans would be voided. And Then I told Ms. XXXX that that's fine and that the call was being monitored.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (TX)

In XX/XX/2023, my vehicle was broken into, and my wallet, containing vital personal items including my bank card, was stolen. Subsequently, I promptly notified them to request a replacement card. Despite numerous attempts over the past twelve months, I have yet to receive a replacement card. Every time I reached out, I was met with excuses regarding delayed shipments and my address always being input incorrectly because I have an accent and speech impediment that makes it hard to understand me. 
Throughout this ordeal, my account has been subjected to wrongful imposition of interest charges and late fees, despite my consistent efforts to address the situation and pay off my actual balance. Despite my attempts to rectify these erroneous charges, the company has persisted in its unjust actions, further exacerbating my financial distress. To make matters worse, my account was abruptly closed without prior notice, and I have been unfairly subjected to negative reports on my credit history for non-payment of a card that was never issued to me.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX, DOB XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX COURT XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 5.XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.