davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Credit Card " restricted '' my card for possible fraudulent purchases. Called to verify the restricted charges and was told that it could not be re-opened. That a fraud report would need to be filed and new card issued even though there was NO FRAUD. The company would not be able to re-open my account so I can continue to make purchases. I explained that I had automatic payments assigned to the card and that it would be a major inconvenience when there was no issues or attempted fraud. Also I would need to wait for my new cards 6 business days or pay approximately XXXX dollars for EXPEDITED delivery. This is ridiculous and reeks of bad service for a exemplary customer with no late payments and stayed with in credit limit for over 15 years. I am severely disappointed, angry, and frustrated with Capital One. I will need to review whether I stay with Capital One. If I am able to find a lower percentage rate, I may consider moving my account.
Consumer complaint received 2022-05-02
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. (DE)

I did not give consent for these inquires. These are unauthorized inquiries please delete immediately. Also, this late payment isn't correct. The company made an error, please remove late payment as it is inaccurate and hindering my ability to obtain employment and obtain a new job.
Consumer complaint received 2018-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

cra violation with wells and much more ftc violation id theft overdraft fees and let someone compromise my account take money out without my knowledge ... .. 

obviously bank error and some kind of ID theft i'm not really sure too many activity that i can not report
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

Regions fraudulently accessed several XXXX fees on my checking as a result of a debit transaction that come through on Wednesday XX/XX/21 at approximately XXXX. It put my account in the negative {$12.00} on the same day I transferred XXXX bucks to put my account back in the black. I had XXXX XXXXavailable. After making the transfer I screenshot my account online as proof that I had indeed transferred enough. The following day Regions charges me XXXX dollars. I called and spoke to a Supervisor named XXXX who says I didnt transfer enough and he didnt know why Regions mobile app didnt show the correct amount. I told them they were participating in illegal resequencing and that I was filing a complaint
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My Current Mailing Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX SC XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me. The notarization process, as mentioned in my initial communication, remains of great importance in ensuring the accuracy and authenticity of this documentation.
Consumer complaint received 2018-02-20
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: Conn's, Inc. (CO)

I had opened up an installment loan with a company for a microwave and some furniture however i returned the furniture and was told that i was issued a credit to my account so my balance was lowered to about 1,000.  But now i not only have the original account on my credit report but also another one from the same company when i only had 1 account. I was never issued a credit and now my debt is twice as much even. No one that i talk to you can or will help me with the company and i have tried disputing it with the credit bureaus.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I have been working on this issue for over a month now. I was on a forbearance due to Covid from XX/XX/XXXX to XX/XX/XXXX. I opted to stop the forbearance and pay the past due payment in full. The bank was requesting {$30000.00} to bring the account current for the XX/XX/XXXX payment which need to be paid by XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid LoanDepot a total of {$30000.00}. That's {$26.00} more than what was requested. After many hours over the past 30 days in trying to find out why the bank still considers me a month past due I was informed by a rep on this past Monday that LoanDepot double applied monies to the escrow account and now refuses to move those monies that were misapplied to the escrow account to the payment side to bring the account current. Their action will be reported as a late on my part to the credit bureau when the only reason for me still owing them money is due to their misapplication of my monies. How is a banks error my fault. They want another {$2000.00} from me in addition to {$1300.00} they are holding in suspense to bring my account current whey they have all the monies from in their possession to bring the account current. Collections has called and harassed me every 2-3 days over the past month. Customer services sees the error made by LoanDepot but claims a manager refuses to release the funds from the escrow account to remedy the error they have made. An error, if not made, would mean the account is completely current. I have provided bank statements, account registers, and an excel spreadsheet as evidence I have paid every penny I owed in full.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I had a rental car with XXXX. I got into an accident with another driver who was at fault that rear ended me. XXXX wanted a deductible of {$300.00} and started to take different portions of deductible from my Wells Fargo checking account without my authorization on XX/XX/XXXX( {$50.00} ) and XX/XX/XXXX ( {$50.00} ) .XX/XX/XXXX ( {$100.00} ) then the payment stopped when I cancelled my card but I never received the refund. 

I had gotten another rental with XXXX after the rental from XXXX was again rear ended by another driver at fault on XX/XX/XXXX. XXXX took out {$120.00} on XX/XX/XXXX without my authorization from my Wells Fargo account due to fuel fee. Although the rental agreement was followed on my end and i have documentation of the time of the fuel amount and the date of the car was returned. Not to mention the car was paid daily under Progressive claim number XXXX. 

I started a claim with Wells Fargo on XX/XX/XXXX. Wells Fargo refunded {$320.00} the next day. Wells Fargo also requested proof of payment on these transaction which I provided on XX/XX/XXXX. Both XXXX have received their payments from the insurance company of the driver at fault ( XXXX ).  XXXX was paid by my insurance company ( XXXX ). So there was no reason that I would have to pay these charges again myself. 

I received a letter from Wells Fargo dated XXXX but received XX/XX/XXXX stating if I did not send the documents then they would take the credit off. Wells Fargo claims they have not received the documentations that I sent in, although I have proof that they were sent in way before the deadline. Wells Fargo added the total {$320.00} charges back on my account on XX/XX/XXXX. I called on XX/XX/XXXX explaining I had sent the documents requested in via email that was provided by the claim department. I spoke with the president 's office, which saw that I sent the email on XX/XX/XXXX and opened a case number XXXX although the claim department closed the claim on XX/XX/XXXX. Wells Fargo is being non compliant due to not willing to expedite their mistake and being discriminatory when I explained about my speech problem due to car accident. I requested for the representative of the president 's office to take a notation of my speech problem, still, the lady from the presented office continued to address me as ma'am instead of sir or mister. Then on XX/XX/XXXXI called Wells Fargo three times but continued to get hung up on back to back when I could barely get any words in with my stutter and speech problem. I then spent two hours and eleven minutes trying to get the claim re-opened but no one was willing to offer help. 

Wells Fargo has done nothing to help resolving the issue. They had showed poor management and poor customer service due to their employees own judgment and discrimination.
Consumer complaint received 2018-07-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CL Holdings LLC (TN)

I took a loan out with XXXX XXXX in the amount of {$35000.00} in 2009. Since then I move back home and was unable to finish my degree due to Finacial hardship. I spoke with XXXX XXXX on multiple occasion on getting my payment lowered which was declined. I spoke to a lawyer which also called and tried to negotiate with this company however they would not budge. I was unable to make the loan payment and they wrote it off into a collection agency to XXXX XXXX.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

Hello, I filed a price protection claim and have yet to receive the attestation form. I have followed up 3 times and each time I get the same response that the form was sent and it now will be resent. The claim will be closed in 45 days if they do not receive this form from me.
Consumer complaint received 2021-03-05
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: ARC Management Group, LLC (NV)

Back on XX/XX/2020 I spoke with an XXXX at company. I explained this bill wasnt mine. I feel it was very misleading. I never received a letter from the third party previous to this bill being placed on my bureaus. Per FCPA law youre supposed to receive communication in writing prior to a third party placing a debt on bureaus. I never received any documentation therefore I didnt know what this was for. She advised me that they were taking this off my bureaus also sending out a validation letter. Ive also been adversely effected by covid due to my hours being cut. And my spouse loosing his job. I have XXXX as well as Medicaid. So I had to do some investigation on this amount. Supposedly its from a few years ago when my son went to an emergency room. Its a separate bill from Dr not facility. Again misleading but during that time we didnt have Medicaid. So I called back and made payment for this account. Please remove ASAP. See screenshots
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (FL)

I called the phone number back that has been calling me daily for weeks now ( XXXX ) only to hear a prerecorded message stating that it is Sequium Asset Solutions attempting to collect a debt. There are no outstanding debts for either myself or my husband, with the exceptions of our home, cars, student loans, and credits cards, all of which are up-to-date on their payments. I believe these phone calls to be an attempt to extort information from me due to my having good to outstanding credit.
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple Credit Bureau Disputes and even a letter directly to XXXX XXXX. They report all aspect of this account incorrectly. The account shows open when it is closed, the balance is incorrect, it shows a past due amount higher than the high credit, and they never placed a notice that this account is in dispute.
Consumer complaint received 2022-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

Sometime this year ( XXXX ) my Student Loans were transferred to XXXX XXXX Aidvantage. I noticed that I had several small loans showing for the University XXXX XXXX, which I attended in XXXX. The small loan add up to around {$26000.00}. I knew that could not be right. So today, XX/XX/XXXX, I contacted the University XXXX XXXX. The registrar confirmed I attended only one Semester which was fall of XXXX. The Bursar confirmed the same thing. Per the Bursar, the total amount of loans I took out was {$1300.00} or around that amount. I then contacted the Financial Aid office. Per Financial Aid, the total amount of loans I took out was around {$6000.00}. None of the figures the University XXXX XXXX presented to me, totalled nowhere near {$26000.00}. 

Per the University XXXX XXXX, I was told to contact the Servicer. But the Servicer, Aidvantage, has been unavailable. The calls just disconnect and go straight to the survey. No one ever answers. Its been that way for some time. I need Aidvantage to remove the extra loans they show from the University XXXX XXXX. These loans are inaccurate. 

I also highly suspect that previous to the University XXXX XXXX I had schools that overcharged me or that submitted duplicate loans. I need all of these loans corrected and or removed.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Hello, I received a letter from Portfolio Recovery Associates, LLC on  XX/XX/XXXX for my XXXX XXXX account. It claims that I owe a debit collection agency {$3200.00} for my XXXX XXXX card. 

Last year, I paid off this XXXX XXXX card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX   statement. 

I contacted XXXX XXXX  and told them of the mistake. I asked that one of the payments be put towards paying off the XXXX XXXX balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX  that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX   statement. 

Now, the XXXX XXXX  card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue. 

Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score,  since the account has been paid off for a full calendar year.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked XXXX to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XX/XX/2018 I reached out to my mortgage company for assistance because of loss of income. I was working a XXXX XXXX and it ended in XX/XX/2018, so I fell behind on my mortgage payments. I reached out to XXXX XXXX XXXX XXXX and they were willing to assist me during my hardship. We contacted Carrington Mortgage Company to confirm they would work with XXXX XXXX XXXX. They said " YES '' they would work with XXXX XXXX XXXX. On XX/XX/2018 Ms. XXXX from XXXX XXXX XXXX contacted me to let me know that XXXX XXXX  wanted to assist also and it would leave me with a balance of {$3300.00} to bring my account current. Yes, I felt XXXX had answered my prayer, finally help to get back on track. Ms. XXXX asked me to come into the office on XXXX XXXX so we could Speak with Carrington Mortgage about our plan to get the mortgage current. The Representative we spoke with was very negative, saying they could not accept our payments and my home would be going in foreclosure. I thought Mortgage Companies should be helping people stay in their home instead of trying to foreclose. Carrington agreed to working with XXXX XXXX XXXX XXXX and now they refuse the payment so that they can foreclose on my home. I have never seen anything like this in my life. It's cruel for Carrington to foreclose on my home after they claimed they would work with me. It's obvious they do not have consciences. I do not want to lose my home. Carrington, why are you refusing payment when you agreed to working with XXXX XXXX XXXX? This is so WRONG!