davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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: Guild Holdings Company (GA)

This letter Services as a formal complaint that you are reporting inaccurate and incomplete information on my Credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date, and balance whether reported or not. [ Guild Mortgage - Acct. No. XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must first verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed Never Late ) according to the consumer protection laws. 
15 US Code 1681A, Para.2, Sub.Para A. Sub.Sect.I states that Transactions are not included in the Consumer Report.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

On the XXXX of XX/XX/2018, I viewed XXXX for a hotel room. I looked at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX for room rates. I initially did not book the room. I went to view the room again and booked a reservation thru XXXX. I did not want to provide a credit card but was assured that it would not be used. It also stated that if I did not use the room, I would not be charged for the room. 

An emergency occurred so an hour and a half later, I canceled the room thru XXXX. I thought I was done until I received my credit card bill and the room was on my statement. I disputed this cost several times with my credit card company. I also got in touch with XXXX. XXXX said that I needed to get in touch with XXXX XXXX XXXX. 

I trusted XXXX 's web site stating that I would not get charged for a room I did not use and also that my credit card number I gave them would not be used. Neither happened. 

I informed Capital One that this charge was unauthorized but in each case, they continued to place this cost on my bill. I canceled my credit card using the XXXX number but according to the bills I still get from them, they still have it open and they are continuing to charge interest and finance charges.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a new account at Truist Bank with an opening deposit of {$25.00} on XX/XX/year>. I then deposited a {$9000.00} check from XXXX XXXX XXXX on XX/XX/year>. I was told that the check would clear on XX/XX/year>, which is fine. I waited and check cleared. Now the bank froze my account and debit card so that I can not even pay bills. I was told my account is being investigated and there is no update. I only have XXXX transactions on my account and they won't give me a date or any information on when I will be able to access my funds. I took a loan from my XXXX account to cover unexpected expenses and they are holding it for no reason.
Consumer complaint received 2022-08-27
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. (FL)

i have been disputing with equifax for several months about an account that was fraudulently opened on my credit profile. the account is with XXXX. i attached my ftc affidavit as requested and equifax continues to say the account is verified to be mine/accurate. this account being reported as a charge off is damaging my credit and is preventing me from obtaining lower interest rates on future lines of credit! equifax did handle this investigation properly and also violated the fcra by not deleting the account from my credit report. this has caused so much emotional distress!
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: STATE FARM BANK, FSB (TX)

In XX/XX/2018, I purchased a new XXXX XXXX XXXX  and financed the transaction with XXXX XXXX XXXX XXXX ( " XXXX  '' ) to obtain an additional discount on the vehicle. The loan did not have any prepayment fee or other restriction, so in XXXX, I refinanced the remaining balance due with State Farm Bank " SFB '' ), working through my XXXX XXXX XXXX agent that handles the insurance policy on the truck. I applied for the loan on XX/XX/2018 and SFB funded the loan on XX/XX/2018, sending a check to XXXX to repay that loan ( which was posted as payment in full by XXXX on XX/XX/2018 ). After my first payment of {$560.00} to SFB, due on XX/XX/2018 and posted to my account by SFB on XX/XX/2018 ( the date received ), I looked at my account on the SFB web site to see how the payment was applied. To my shock, SFB charged interest on the loan from XX/XX/XXXX ( the date I applied ) rather than from the date SFB funded the loan. I believe that this practice is illegal, and is certainly unethical. After several conversations with representatives within different levels at XXXX, XXXX  refused to reverse this illegal accrual of interest. The amount of excess ( i.e. illegal ) interest accrued is {$37.00}. This may not seem like much but the result is that the principal of the loan is thereby overstated by {$37.00} and will be for each monthly payment for 58 months, resulting in substantially more interest than is allowed by law. In addition, nowhere did SFB disclose in the loan application that interest would accrue from the date of application. If SFB had done so, I would not have borrowed the funds from SFB. If SFB has done this to me, it is likely that SFB has done this to thousands of other borrowers who do not have the financial acumen to see that SFB is defrauding them as well.
Consumer complaint received 2023-08-14
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: Caliber Home Loans, Inc. (PA)

As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.
Consumer complaint received 2019-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

My loan was sold on XX/XX/XXXX and on XX/XX/XXXX a web payment of {$1300.00} was withdrawn from my checking account that I did not authorize. I have had several conversations with customer service representatives who told me that either the money would be forwarded back to my account, or that it would be forwarded to the new servicing company. Neither has happened and when I follow up with each new customer service representative, there seems to be a new story and 'no record ' of Shellpoint 's receipt of the payment. I have also sent several emails to the generic customer service email address. I get an automatically generated email that says they are looking into it, but there is no follow up.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AR)

this institution as permanently closed due false claims against thousands people including myself they promised us all who attended or was attending this lame XXXX institution a bright future down the road but  was all lies they scammed us into loaning millions of dollars to honest people who wanted a education to better themselves until they didn't or better yet failed at it but now the u.s dept. of education want 's us to pay back money that was given to us by this institution that XXXX i will no longer pay anything i will continue to fight this matter until those who were victims including myself get our loans forgiven i will keep filing complaints until my voice is heard
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these accounts
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I paid off my vehicle loan ( refinanced ) end of XX/XX/2018 after I made the XXXX payment. When I logged into account to see if payment was received I noticed that the balanced between XX/XX/2018 and XX/XX/2018 had increased by {$86.00} instead of decreased after the monthly payment was made. When I contacted Citizen One Auto Finance they claimed that they never received the XXXX payment but my bank billpay gave me proof of payment which I told them I had. I also informed them that they gave me the wrong payoff amount to me and my bank and that the payoff was overpaid. That they owe me a refund for the overpayment of the payoff and the missing funds not credited for the movember payment. They claimed they would look into it. The following day I went on to look at my account from Citizen One Auto Finance online and I found my loan-account had been deleted within 24 hours of my call to them and they never responded to my emails on their secure email account when my account was active 24 hours prior. So in 24 hours of me notifying them that there is an accounting error and they owe me money for my overpayments, There is No trace of my account. Non- existed! I couldn't look at previous payments or balances ... Or even see my account number. When I spoke with customer service they confirmed this is their policy! Their policy is to delete all trace of history I have had with them. I informed them that i had copies of the statements and payments I made.
Consumer complaint received 2021-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Late Payment for Capital One on XX/XX/2020 Capital One Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my Capital One XXXX  Card. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

I checked my account online on XX/XX/19 and notice XXXX debit card transaction that I did not make. I called Regions ' Bank XXXX Customer Service Dept. The associate review the transaction and advise me that my debit card was compromised, she then immediately closed this card and is re-issuing another card with a new pin. I went to the local Police Dept. to file an official report and my wife went to XXXX 's Bank to see if we could get this reported to them and our money back. The customer service representative stated the items were in a pending status and there was nothing she could do until they post to the account and we could be looking at XXXX weeks. The fraud caused all of our money to be taken as well as future XXXX  deposits from my vendors. I had planned a trip for my grandson this weekend as he is turning XXXX XXXX XXXX and have never been to XXXX. I have gotten absolutely NOWHERE with Regions, just there is nothing we can do. I told them that if the items are still pending, why can't they simply not pay them against the account. This is XXXX items totaling {$2800.00} and I have a total of {$280.00} in XXXX charges so when my XXXX deposit of {$2400.00} post to the account, because it is overdrawn it will absorb this money as well. The Tropical Storm is approaching and I don't have money to buy gasoline and Storm necessities. This is just wrong, that a financial institution can't do anything. I was told by customer service at the XXXX number, that they just missed this fraudulent transaction, because I did ask if they had anything in place that alerted them of out of country transaction. She further stated that perhaps I could " get a loan ''. I just need satisfaction of this most unfortunate issue.
Consumer complaint received 2019-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (VA)

Company Midwest recovery systems. Months ago there was collections placed on my credit report by a different company. The amounts had already been covered by insurance. But a clerical mistake caused them to bill twice for multiple amounts. These amounts were from XXXX to XXXX. Beyond my states statue of limitations. The company before Midwest made threatening calls and after reporting their Behavoir and the company acknowledging the debts were not accurate the closed all accounts and they were removed from my credit report. Now it seems one of the same amounts from one of those accounts has been sold to another company even though it had been recognized as inaccurate and closed. I am hoping this is resolved quickly as I am receiving harassing calls that I have avoided so far. I dont think that its right that debt has been paid and mistakes are made then I have to deal with multiple collections over and over for the same amount that has already been acknowledged as inaccurate.
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

Selene Finance holds our mortgage and as a result the escrow account is totally non transparent and as a result duly on XX/XX/2022 I paid my insurance through XXXX the insurance company notified Selene that the insurance was paid in full I also contacted them on a number of occasions to tell them the insurance would not be paid in escrow and as of the first of the year my taxes will be paid outside of escrow. There is also {$200.00} that is taken out oof my payment and no one can tell me where this money goes. As of XX/XX/2022 the escrow account had a balance of {$2000.00} and as of XX/XX/2022 there is a deficit of {$2500.00}. Not possible!!
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MD)

I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with FedLoan Servicing. 
I was told that there was a mix-up with my social security number and that Fedloan Serving was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but Fedloan Servicing refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.
Consumer complaint received 2022-08-27
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 (MI)

I, XXXX XXXX, the consumer, have contacted CAPITAL ONE on XX/XX/2022, by certified mail which they received XX/XX/2022. CAPITAL ONE, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. CAPITAL ONE has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. CAPITAL ONE is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( XXXX ) ( A ) ( i ), 15 U.S.C. 1681a ( XXXX ) ( B )
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

XXXX made an error ( posted some payment we did not make and then reversed it PLUS {$400.00} that left our account short due to no fault of our own ) on our account that pushed us into default ; though, we've never missed a payment and did not know of this since XXXX never sent statements. They sent us to Specialized Loan Service, which is a collection agency, and they are now threatening to foreclose if we don't pay {$1700.00}. We didn't make the error ; still have not missed a payment and don't believe we should pay for XXXX 's error that messed up our account in the first place.
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I signed up for an account with Wells Fargo because I received a mail flyer stating that new account holders would be exempt from paying atm fees associated with using a non-Wells Fargo atm. For a long period of time, fees I incurred after using a non-Wells Fargo atm were routinely and consistently refunded. However, I recently realized that the bank is only sporadically refunding these fees. I have contacted the bank to inquire about this discrepancy. But, no one at the bank can explain to me what happened. I was told that the customer service branch would investigate my inquiry. Yet, no one has followed up with me in about two weeks. I am concerned that Wells Fargo may be engaging in discriminatory practices because I am aware that the bank defrauded mortgage and checking/savings accounts customers in the past. It is suspicious that every person I talked to at the bank first tried to deny that I received this promotion, then pivoted to claim that the promotion has expired. The mail flyer did not indicate that the promotion would expire. I have lost a significant amount of money because of this misleading representation by Wells Fargo and I would like a refund of all the non-Wells Fargo atm fees I have incurred.
Consumer complaint received 2019-07-12
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (NV)

My loan was transfered to XXXX XXXX XXXX from XXXX mortgage XXXX. I was sent a letter in XXXX that my loan would be transfered. On XX/XX/XXXX my payment was drafted to XXXX to pay for the XXXX payment, I called newrez on XXXX and spoke with a XXXX   explaining that XXXX had drafted the money and I did not know if they would pay XXXX directly or would be refunded. XXXX said they would put the money back into my account within 5  days and they could draft the funds so I agreed. on XX/XX/XXXX the funds were drafted by Newrez, but XXXX did not put the funds back into my account until XX/XX/XXXX. The caused my loan not to be paid and a NSF to NEWREZ also resulted. When I sent in a letter and my bank statements showing what happened I was told that it was not their problem that I had insuffient funds to cover the draft and that they would not refund the {$25.00} NSF and would not take back the 30  day late according to the CFC 1024.33 ( b ) ( 4 ) ( v ). I have owned this house since XXXX and have never been late. I ask that someone help since this was due to a transfer of my loan. I paid NEWREZ {$2700.00} XX/XX/XXXX not realizing that this had happened. Please help.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

When I was with Navy Federal Credit Union there was fraudulent activity on my account in which I ask to have an investigation on the activity which resulted in them closing my credit card with a fraudulent balance along with my checking and savings with money still in it which I was unable to retrieve. Without me knowing they were paying the credit card bill from my checking and savings for a year and when I confronted them they didnt refund me the money they used but gave the remainder of the money in the account which was significantly alot less than was originally in there. Now I have late payments on an account where there was a fraudulent and a account in which i couldnt take my money out.