davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was contacted by Capital One on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a Capital One rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the Capital One account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX I received a call from another Capital One rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. Capital One also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.
Consumer complaint received 2021-11-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (HI)

Citibank sent my checking account closeout check {$6000.00} via XXXX  to the wrong address and it was fraudulently cashed Citibank sent me the avidavid of forgery and other paperwork which I immediately returned to Citibank with the police report. It has been over a year since Citibank has taken my money. I demand Citibank return my money.
Consumer complaint received 2020-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I would consider this a predatory loan. To begin, the loan was taken out without my permission by my mother. I had already written in about how I dont believe in the validity of the loan, but it was denied because they say she was my guardian at the time. So after that being that Im an adult I finally tried to rectify this loan and its just been absolutely ridiculous and more or less impossible to pay off. The loan has been subjected to absurd amounts of interest. More than {$10000.00} has been paid on the loan through payments and through garnishment of my tax refunds two years in a row which caused me to be in a situation where I owe tax money to the state since it was offset. Even with all the money paid theyre saying I owe practically the same amount that I started with and when I ask how thats possible they say theyre charging interest daily even when I was making regular payments and in good standing. This morning Navient decided to hit my credit report with 7 late remarks causing me to drop 160 points, to a credit score so low that Ive never even been there before. I consolidated my loans last year with the loan rehab program so theres no reason I should have 7 remarks it should be one. These people are predatory lenders and clearly other states agree and I see that Navient are currently dealing multiple lawsuits because of their vicious ways.
Consumer complaint received 2020-02-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact XXXX  XXXX. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with ace cash express some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against ace cash express or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Ive obtained my credit report on XX/XX/2024 and its saying an account from XXXX XXXX is reporting a {$0.00} balance and its a charge off? Ive also reached out multiple of times on XX/XX/2024 about this issue.
Consumer complaint received 2021-11-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.
Consumer complaint received 2015-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IN)

On or about XXXX XXXX, 2015 I had a teller assist me in closing my checking account. On XXXX XXXX, 2015 I determined PNC had accepted an automatic deposit on my behalf. I returned to the bank and spoke with XXXX XXXX. He zeroed the account and " closed '' it. On XXXX XXXX, 2015, I determined that PNC had once again accepted a deposit on my behalf and had also returned an automatic debit on my account as Non Suffic ient funds as opposed to " closed account ''. On XXXX XXXX, 2015, I went to the bank and again spoke with XXXX XXXX, explaining I needed PNC to reject the automatic deposit so the deposit would default to a different account. XXXX XXXX entered into the system a No Debit or XXXX to the account. He also agreed to refund XXXX of the XXXX service fees. XXXX XXXX stated he would need his manager, XXXX XXXX, to authorize the refund and did not foresee any problems. I left PNC believing the issue was resolved. Later that day, XXXX XXXX telephoned me and stated XXXX XXXX would not authorize the refund of the service fee. After speaking with XXXX XXXX, I contacted the office of the Comptroller of the Currency, U.S. Department of the Treasury. The representative referred me to the Consumer Financial Protection Bureau. I spoke with a representative of CFPB and determined I should file a complaint. On XXXX XXXX, 2015 I informed XXXX XXXX of my intent to file a complaint if the issue was not resolved. XXXX XXXX said he would once again talk with XXXX XXXX on my behalf. He telephoned later and stated XXXX XXXX would not authorize the transaction. It is my understanding a closed account means no transactions to the account. If I am incorrect in my understanding, I would like someone to explain to me the definition of a closed account. If I am correct in my understanding, I would like to know why items were posted as NSF as opposed to Closed Account and have the service fees refunded.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

involve in the process. This account is inaccurately and  erroneously reporting. Your remark says that it falls to  a charge off account while the balnce is already 0. There is no payment history also that shows a 120 days past due for this account. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623  and  according to FCRA Section 611. I have done many attempts to reach out tothe 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and  remove it from my personal credit file. Thank you. 
WFDS ***** Opened Date XX/XX/2015  Balance {$0.00} WELLS FARGO DLR SVC/ ***** Opened Date XX/XX/2015 Balance
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (CA)

This regards flood insurance : All dates 2017 :  XX/XX/XXXX  Lender informed me flood insurance is required  XX/XX/XXXX  I initiated confirming with my insurance company about flood insurance  XX/XX/XXXX  After providing some information on the property, my insurance company determined the house is not in the flood zone and that insurance is not required.
 XX/XX/XXXX  Insurance company called lender informing then flood insurance in not required  XX/XX/XXXX  Supporting documents sent to Lender that insurance is not required  XX/XX/XXXX  Phone call to Lender to confirm they acknowledge previous information that insurance not required. I was informed they received info and were " looking into it '' XX/XX/XXXX No action taken by Lender, I purchased Flood insurance anyway from my insurance company for {$490.00} to avoid Lender starting their Lender Insurance at a cost of {$2400.00}. Send proof of insurance to Lender by fax and email.
 XX/XX/XXXX  Received call from Lender stating flood insurance is not required.
 XX/XX/XXXX  Received letter from Lender stating they were providing insurance for a cost of {$2400.00} and would be at my expense.
 XX/XX/XXXX  Send communication to lender demanding they acknowledge in writing that insurance is not required and cancel any insurance they have gotten for my loan See also attachments
Consumer complaint received 2020-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo has increased my escrow payments by 30 % roughly 300 dollars without any substantial increase in my taxes or hazard insurance premiums. I have filed two complaints with them and have been working with their executive resolution center for months. I initially contacted them identifying there is an overage in my escrow account and they were improperly paying my taxes on a quarterly basis when the state of Alaska accepts and bills taxes on a bi-annual basis. They then came back telling my escrow monthly payment will increase and now there is a shortage and in turn, my monthly mortgage payment will increase. I never started a loan with Wells Fargo I utilized a small federal credit union that in turn sold my loan directly to Wells Fargo after closing on it. I have had several phone calls with their customer service resolution team to no avail or real care for them to fix this issue. They are also trying to add a random third tax payment to reflect my taxes almost being {$10000.00} a year where is mid {$6000.00}. Their methods for calculations on escrow accounts are predatory at best, and their customer service system is designed to keep you bogged down and wear you out so you simply quit pursuing your issue. I can not afford this approximate {$300.00} increase nor will can I tolerate it. I requested to remove the escrow account it was denied as the VA mandates it which is not technically true. The VA mandates escrow accounts to homes within a 90 % loan to value ratio. All while I am an XXXX XXXX veteran no human being deserves this treatment and such a threat to provide for their family. I have attached supporting documentation for the hard numbers along with XXXX tax information.
Consumer complaint received 2020-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (GA)

There was a hospital bill that showed up on my credit profile that went into collections {$1400.00} the company name is One advantage LLC and XXXX XXXX hospital is the Original creditor I sent in my fraud packet on XXXX And Ive spoken to them maybe 3 or 4 times and they are very disrespectful and rude its been over 30 days and they are still giving me the run around its going on XXXX and this debt is still on my credit report and its affecting my credit score. This is the company Creditors phone number XXXX
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (SC)

I own a property that pays for flood and other hazard insurance through an HOA. Every year, my HOA sends evidence of flood insurance to US Bank, my lender, so that lender placed flood insurance will not be placed on my account. This year, that evidence was submitted in XXXX, when the insurance is due, and yet US Bank still purchased flood insurance and placed it on my account. Despite numerous phone calls every week since XXXX, this flood insurance has still not been refunded to my account and has caused my house payment to go up {$500.00} a month. I have already paid over {$7000.00} to my HOA for flood insurance. Each time I speak with someone at US Bank, they tell me it will be 30 days in research before the insurance can be canceled and my escrow account credited. It has now been four months. If I could sue this company for negligence, I would.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

In XXXX of 2015 I finalized my divorce which included child support to begin in XXXX of 2015. I began to pay as ordered but the office of the attorney general in Texas did not accrue my payments. The matter was settled at a meeting at the child support office and an order was issued to correct the matter. However the Child support office refused to acknowledge their mistake and has left the problem notation on my credit records. This record has no basis and it should be removed.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (DC)

I have a general-purpose rewards credit card for Loft stores through Comenity Bank. I have had this account for several years and have been enrolled in paperless billing since at least XXXX. According to FAQs on the Loft account website, when enrolled in paperless billing, I should receive an email when my billing statement is available in Account Center. 

On XX/XX/XXXX, I made a charge for {$7.00} at an Economy Market. I did not receive an email until XX/XX/XXXX notifying me that a statement was available in the Account Center. In the meantime, Comenity Bank charged me two different late fees ( {$7.00} and {$16.00} ) for the months of XXXX and XXXX, respectively, and charged me {$1.00} in interest for each month. The same day I received the email notification that my statement was available, I logged onto my account and immediately paid the {$34.00} total balance. But I learned that Comenity Bank furnished to the credit reporting agencies that my account was past due, thus decreasing my credit score. 

Because I did not receive an email notification that my XXXX or XXXX statements were available, it was improper for the Bank to charge late fees or furnish negative information about my account. Had I received a timely notification that my XXXX statement was available, I would have immediately paid the amount due. The Bank 's failure to send that notification -- in violation of their own paperless billing policy -- is the reason my payment was late. 

I tried to resolve this by contacting the Bank, but they stated that they could not do anything about it, and further stated -- incorrectly -- that they were required by law to furnish negative information when my account was delinquent.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint about Transunion. Their records are not updated regularly, thus they are reporting my credit score as poor.

They indicate one credit card being paid regularly, and there are two which would increase my credit score. 
I submitted a discrepancy report regarding an account I'm paying through a third party, but they do not reflect it.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEAD MERCANTILE CO., INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SOS GROUP ( Original Creditor Name XX/XX/XXXXXXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX. XX/XX/XXXX Balance {$1100.00}
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

In XXXX of XXXX i was paying down my XXXX 's credit card and did so by XXXX of XXXX. After i payed my card down to zero Comenity Bank closed my account in XXXX of XXXX without my knowledge. In XX/XX/XXXX i received a call about a balance of {$430.00} and i informed them i owe them nothing because XXXX closed my account. They did some so called investigation an said i'm responsible. How can i be responsible for a account that was closed by the vendor and my card not available to use, then they reactivated my account after XXXX months without my knowledge. I believed that to be fraudulent and immoral.
Consumer complaint received 2020-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I co-signed my son 's loan in XXXX-I paid the loan off in XXXXNavient applied the monies to the wrong account, which I was unaware of, until XXXX. They have been calling and asking for repayment. They finally admit they made an error, but state now that it is too late to make the change.