davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On Monday, XX/XX/XXXX I received notification that my payment of {$400.00} had posted to Capital One and verified that the full amount had been pulled from the my other bank, XXXX XXXX XXXX. For two days though ( it's now XX/XX/XXXX ), I have had no access to the {$400.00} I transferred over, despite the fact that it said the payment had posted and NO other payment I've ever made to Capital One, no matter the size or other institution, has ever made me experience a delay. 

When I called in today to see why the payment was pulled from my other bank but I had no access to the funds through Capital One, I was told that Capital One sometimes, but not always, puts a hold on transfers like this one and I wouldn't have access to my funds until XX/XX/XXXX ( another six days ). 

If I had known I wouldn't have access to my funds for over a week, I wouldn't have transferred them. But at the time of the transfer I was NOT notified of a potential hold, and when I asked to either have the hold removed ( since it can be added, logic would suggest it can be removed ) or transferred back to my other bank so I can actually USE MY MONEY, I was told neither of those was an option. 

So basically I transferred money ( which I've done several times from different banks ) and capital one arbitrarily decided to put a hold on it for over a week, with absolutely no assistance. I would like this issue resolved immediately. Banks can not just take someone's money and then restrict access to it without letting them know that's a possibility. That's absolutely not right and needs to be rectified immediately.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

I never received notification from Southwest Credit Systems for the XXXX accounts they are now reporting on my XXXX credit report. These accounts were also on XXXX and XXXX, but after disputing they were removed. I have requested debt validation regarding the XXXX accounts. All I received was an incomplete " statement '' XXXX attached ). I requested proof that the Statute of Limitations has not expired on either debt as well as proof that this agency is licensed to collect debt in my state. Also, a signed contract proving I owe Southwest Credit Systems was never received. I do not know who these people are. I looked them up on the BBB website and found that there are many complaints and lawsuits filed XXXX attached ). I believe this company is in violation of the FDCPA. Account # XXXX : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

Attention : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Barclays XXXX XXXX [ last name undisclosed ] Dear XXXX XXXX [ last name undisclosed ], Thank you for your letter of XX/XX/2024. 

Unfortunately, contrary to your belief, the issue remains unresolved. 

I kindly ask once again that you please explain why/ how Barclays pays a merchant XXXX amount and charges its client a higher amount? 

Such is the fundamental question underlying the dispute at hand. 

It may be more expeditious to have a conversation with you or another Barclays representative. I have left multiple messages at the number included in your letters with no response to date. I would most sincerely appreciate a return call. 

As repeated before, I am very interested in resolving this dispute and ensuring that my health insurance coverage is not placed at risk. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (IA)

I originated this loan in XXXX. It was for the purchase of a XXXX Carry over truck but it was new.We got the loan at 0 % interest rate. Things were going well as far as payments and amounts being correct until they did a update to their computer system in XX/XX/XXXX. Ever since then there has been a discrepancy of about {$400.00}. I have called and emailed numerous times. I can go back just like they can in payment history, yes I have moved my payment due date but I had always paid in the end what it said the payment was. I did split my payments in 1/2. I did a complete printout of my loan payments since the origination of the loan. If what they are telling me is correct that this is all late fees that had occurred since the opening of the loan and were not paid 1. Why were no phone calls made to me? 2. Why was it not stated on the online account page until XX/XX/XXXX? If there are late fees still owed fine I will pay them but I DO NOT agree with the {$400.00} they are saying it is. I can calculate and in the worst case it is like {$50.00} I owe!! Every time I call the representative says yes I see it and I will get it taken care of.Then there is also times the computer system is down. That has happened alot! They always assure me the problem will get fixed Well guess what it isn't!! GM Financial prides itself on its customer service. That's a load of XXXX!! Even if they offer the 0 % financing really think long and hard about taking it!! This company will put you through XXXX!!
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (KY)

I've been trying to make a mortgage payment online with my new servicer since XX/XX/XXXX. The first payment was reversed on XX/XX/XXXX. I just received notice of that on XX/XX/XXXX by mail. On XX/XX/XXXX I tried to make another attempt. At four days since the 2nd attempt on XX/XX/XXXX, the 1st agent told me to wait 48 hours after it still hadn't been withdrawn from my bank account. After 48 hours I contacted them again because still no withdraw. The second agent told me to contact my bank. So I did. They haven't so much as received anything from my servicer on their end. The third agent confirmed the account number and routing number are correct and told me to email this email address XXXX. That was today XX/XX/XXXX. I have received payment confirmation by email for each payment attempt. I would also like to note that they have no discernible way for me to contact them by phone. I've been given multiple different phone numbers each putting me in a infinite loop with their call menu bot. Every interaction I've had with them has been thru their live chat on their website. I do not even want to risk sending them a check in the mail because they have provided 3 different addresses so far and so I am very hesitant to try and send them anything. It has been beyond frustrating and now I'm actually worried that I will end up losing the house because of their negligence, lack of communication, and inability to resolve this matter in a timely fashion.
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

Nationstar Mortgage, LLC D/B/A Mr. Cooper sold my home while I was still in the home XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX Loan # XXXX, XX/XX/XXXX. I received a eviction notice XXXX XXXX and I filed an appeal in XXXX XXXX Court, XX/XX/XXXX. I was illegally convicted and sent to prison XX/XX/XXXX, and got out on probation XX/XX/XXXX. I would be homeless if it was not for the VA. We had a second mortgage with the XXXX XXXX XXXX that was tied to our business XXXX  XXXX XXXX XXXX XXXX We bought a XXXX XXXX XXXX with the money from the second mortgage and the XXXX XXXX has the title , I think, I have not been able to find which dept. has it at this point, but I am in possession of the truck. Mr. Cooper has not got in touch with me nor has they paid me any money or sent any document to me to sign, I have been in the home from XXXX XXXX to XX/XX/XXXX. They has also left an homeowner 's bill with my insurance coXXXX XXXX XXXX I am filing a civil complaint with the circuit court XXXX XXXX Tennessee. Could your dept please investigate this illegal action for me. Thanks
Consumer complaint received 2020-05-29
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. (CA)

XXXX XXXX XXXXXXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.
Consumer complaint received 2020-10-20
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-24
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. (NY)

Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card
Consumer complaint received 2018-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

XXXX pulled my credit report on XX/XX/2018 after a phone call to ask about letter I received from them then next day inquiry on my XXXX report called next day to them they said I did the pull of my credit I gave no authorization for this I want this removed and I am also canceling my card cause me nothing but stress with this matter I need them to take care of this and I wont deal with XXXX ever again
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have a personal loan debt. I have multiple instances with this company. 
The leftover loan amount was about five thousand. 
1 ) They are seeking unjustified amounts and keep adding fines, interest, and penalties that are now up to XXXX XXXX dollars on a closed and charged off account. 
2 ) They also threaten a lawsuit using a law office as a collections company. Furthermore, they have filed multiple suits without following thru. I have shown up to each court case and they have yet to have representation from their side show up. Now in my background report, I show multiple suits pending. 
3 ) They communicate with third parties other than my self. One of my past co-workers has been contacted by them on two different occasions. 
4 ) The company reports false information on all three consumer credit reporting agencies. The false information is the exuberant amounts that just keep climbing, They have added hart hits by supplying my information to other collections agencies and loan companies. They have also added wrong addresses and different variations of my legal name to my consumer credit reports that I am unable to get removed as they were reported by them,
Consumer complaint received 2024-04-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Student Loan Solutions, LLC (NJ)

I am writing to report a debt collection lawsuit brought against me by a debt collector for a debt that was discharged in bankruptcy XXXX years ago. Despite the debt being discharged, they obtained a default judgment against me. Pursuing collection on a debt that has been discharged in bankruptcy may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit has caused me significant distress, and I have incurred financial costs in responding to the lawsuit, including filing fees and court costs. I was unable to afford a lawyer at the time. 

I was not aware of this debt in particular, and I never acknowledged the debt with the debt collector or received any notice from them, assuming that my private student loans had already been discharged in bankruptcy XXXX years prior. The original defense I presented was that it was well beyond New Jersey 's 6-year statute of limitations to collect on the debt. Later in the case, I was able to find documentation proving that the debt was discharged XXXX years ago in bankruptcy. 

Throughout the case, debt collectors legal representation has continued to file objections, misrepresenting the bankruptcy code concerning which types of student debts are eligible for discharge, despite providing proof that the debt in question had in fact been discharged as it met the criteria for unqualified private student loans that could be discharged in bankruptcy. The legal team misrepresented facts throughout the case to manipulate the outcome in their favor.
Consumer complaint received 2020-09-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I wired {$30000.00} to Coinbase on XX/XX/XXXX. The funds didn't show up on my account. Since then, the customer service looked at the cases a couple of times to collect more information which I provided in time. But somehow, they closed my case on XX/XX/XXXX without any real resolution ( I haven't got my funds back anywhere ). I have reopened my case but after four business days no one has followed up my case. 
My support case ID is XXXX.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WA)

My first mortgage holder, XXXX XXXX XXXX transferred my loan to XXXX. This was after it fraudulently sold the defaulted loan to investors, and after it made a claim for the FHA insurance and converted the loan to a conventional loan. I dd not receive an updated notice of this new loan and its terms. XXXX bought this loan from XXXX XXXX XXXX last year, and my wife and I worked with XXXX to do a short sale, all the paperwork was done, the payoff notice was sent from XXXX, the payoff check was ready, the deal was to close on XXXX XXXX, 2016. On XXXX XXXX, XXXX sold the loan to Shellpoint, refusing payment, thereby invoking UCC rules. Shellpoint has no valid claim to this debt. By refusing to take a payment that would have made more than the full amount of the original loan, more than what XXXX paid for the loan, it is no longer entitled to the debt. Nothing more is owed.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-10-20
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: CITIBANK, N.A. (PA)

I have an AA Citibank Mastercard. I made a reservation in XXXX in XXXX for a XXXX trip. XXXX cancelled our flight. My XXXX  and I could not get to XXXX, then. Our reservation was refundable, as long as we advised the XXXX XXXX at least three ( 3 ) days in advance of our scheduled arrival. We notified the Hotel nearly two months before our arrival of the XXXX cancellation and the fact that we could not get to XXXX. The Hotel refused to credit our card, despite more than a dozen attempts. We contacted our Credit Card company to dispute the charge. The Citibank card gave the Merchant 45 days to respond. They gave us two days to respond. I dropped everything and submitted a four page detailed response. Citibank denied our Disputed Claim. When we called, they said they never received the dispute. I submitted the supporting information to Citibank 's provided email address and received a receipt indicating it was received. We called. Citibank said, oh, okay, we have it. After weeks they denied our dispute and said we need to purse the Hotel directly, which we did for nearly two months, to no avail. I called Citibank and they indicated they could not give us a credit until the Hotel agreed. I do know that is not the process. Citibank clearly was working for the Merchant and not us and we are out more than {$800.00}. We do not believe Citibank followed the law in handling this dispute and further, clearly were not there to protect our interests as their customer, but rather only wanted to help the Merchant we believe, so Citibank could keep its fee. We are outraged that we have a refundable reservation and can not get a refund. We would appreciate your help because after 4 months of fighting this, we are out of options and energy. Thank you very much. XXXX XXXX
Consumer complaint received 2017-10-31
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: STATE FARM BANK, FSB (FL)

This is a complaint against STATE FARM BANK. INQUIRY DATE : XXXX XXXX I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Consumer complaint received 2018-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you
Consumer complaint received 2016-03-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: EdFinancial Services (GA)

I was in good standing with my student loan servicer for almost 10 years. In 2014 I started a business and simultaneously lost my job. I was able to make payments for a while but I make almost no money $ XXXX-XXXX gross per month and it has been that way ever since. I applied for IBR swiftly upon realizing how tight my finances were going to be and for the 2015 year I did not have to make any payments. This year, the same company, Edfinancial is doing their best, it would seem, to block me from IBR even though I am making roughly the same amount and I am 9 months XXXX, about to give birth any day now, and am on Medicaid and Food Stamps. I have asked them 4 times now what precisely they need from me in my statement of self-employment and each time they have given me incomplete information. I have applied with the information they requested only to find out, too late, that my application had been rejected and I owed. They keep saying " Oh, its ok you can apply your forbearance. '' Clearly, this is how they rope people in who are not paying attention. I do n't want to use a forbearance when it is their fault. That is for emergencies and they are divesting me of it as a cheap trick to make a dime. I have asked to be put in contact with a manager. I will continue to get my account switched over to IBR but they are making this process convoluted and I feel like its an attempt on their part to trick me out of the resources I have so that I am living month to month waiting for them to prey upon the meager income that I make.