davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Flagstar is incorrectly processing my monthly mortgage payments and has applied late pays incorrectly, and refuses to apply {$2200.00} escrow payment to escrow balance as they incorrectly applied it to principal reduction. I have called twice and been on phone with them for over hour each time and they failed to fully comprehend the issue at hand. 

All mortgage payments have been paid on time. However they are applying my mortgage payments to cover what they are calling an escrow shortage. I called on XX/XX/XXXX while I was on XXXX XXXX military and called again on XX/XX/XXXX. No action on their part was taken. 

Fixing it means that they take the time and effort and resources to review the entire account, and collectively we come to the correct mathematical conclusion.
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Accounts, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2016-08-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

It started with being approved through Road Loans/Santander Consumer for a the purchase of vehicle. I was referred to XXXX XXXX XXXX in XXXX XXXX, CA. I was quoted and told I was approved for a loan, with a certain interest rate, monthly payment and no down payment. I signed the contract and left with the XXXX Mazda. I was called the next day saying my loan was n't approved and they had a new contract. the interest rate was higher as was my monthly payment. I was also told I had to come up with a {$1000.00} downpayment that I had n't needed to before. From the start everything was wrong, my first payment was n't supposed to be due until XX/XX/XXXX and by XX/XX/XXXX I was fighting with them as to not applying my payments correctly. I receive multiple calls throughout the day and you can never reach the same person twice. They wo n't respond via email for documentation either. Well, finally in the Spring of this year, I was told I was assigned an account manager, XXXX. I explained everything that has gone on, with the payment due date and being told that I could move a payment to end of the loan. He said eh would have 2 payments moved to the end of my loan and told me that as long as I made at least the minimum of {$180.00} monthly I would remain current. Then it all started again a month ago, tell me I 'm over 60 days behind, they are misreporting to the credit bureaus too. I ca n't ever reach my supposed account manager, no one I ever speak to seems to document the conversation. They are unwilling to review to lower my interest rate or working with me. I am working in cleaning up my other financial issues since I filed bankruptcy last year and I ca n't get a refi with a legitimate lender until I can clear up the other issues. I simply want them to honor was I told, about moving the two payments to the end of my loan and properly applying the payments received. if this is done, I will be current. After much research, I see that Santander has several complaints for similar issues. I wish I had never been in a position to have to do business with them!
Consumer complaint received 2021-02-26
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. (LA)

XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

The XXXX XXXX Credit Card has been a nightmare to have for the past few years. I have made attempts to lower my debt and pay it off however, they are non-respondent. On XX/XX/XXXX I scheduled automatic payments to be deducted from my checking account. Since they have fooled me before, I took a screen shot of the confirmation AND I also received an email from XXXX confirming my auto payment set-up. Several days later, I learned I had a new late fee added to my total bill. When I looked at my account online, the automatic payment had been deleted. I called the customer service line and after being transferred to 3 representative, I was told that the department that " handles '' my account was closed and that I had to call another day. I called back two days later and was transferred a total of 5 times. First to 3 different XXXX Credit Card Departments, then to Citibank and then to a third party agency, XXXX, who apparently handles the account. I explained to them that late fees are being added to my account unjustly but, they said they have no control of that. They suggested I call XXXX  back. When I explained how I've been transferred many times, they explained that they would send a letter to XXXX  but, there's no guarantee I'll get a response. I have over {$500.00} dollars in late fees from XXXX and NO ONE takes ownership or accountability for the management of the XXXX credit card accounts. 
I initially began calling in XXXX and asking for the insane amount of late fees to be removed but, I have continuously been ignored with no one to speak with regarding the details of my account.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to delete the following information in my file the items that I need deleted are listed in my report. I am a victims of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission. I have also enclosed copies of the federal trade commission identity theft affidavit, I will appreciate if you would delete it as soon as possible, as it is hindering me from advancing the events in my life style to provide a better life for my family.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (PA)

We went through the process of a loan modification, the loan was taken over by a new mortgage agency : Seterus. The loan Mod finished in late 2014, my x-wife has been making every payment via phone on her own initiation because Seterus did not file the account properly, they had it as a default on a loan and an ongoing debt not being paid. My x-wife and I had files all the paperwork with them and they do have it, every phone call they tell us YES we have the divorce agreement, we have the quitclaim deed, we have the loan modification paperwork but for some reason its showing a defaulted loan. They go on to tell us they will pass it up to another department to be changed to the correct form. In the meantime they are hitting both myself and my x-wife 's credit report month after month based on a mistake in their system. Now I 'm being harrased XXXX times a day by their debt collections department at XXXX, every month we go through the same process of telling them they have the correct paperwork and every month they tell us they do n't talk to other departments and they need XXXX - XXXX XXXX in unpaid funds, yet they see it was a modification and they have all the proper paperwork, and every month my credit reports are being hit with wrong information and my score is suffering terribly. I 've exhausted everything I can do to try and get Seterus to fix the files in their own systems. My X-wife recently told me that they had a debt attached to our name based on a property and address that we never resided in, we never purchased or had any loans toward and I still do not know what the resolution of that issue was.
Consumer complaint received 2018-01-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (NH)

I had a lease with Chase Auto Finance that had 5 payments remaining for a total of {$1300.00}, or thereabouts. I purchased a new vehicle and the new dealership agreed to pay the {$1300.00} that was due ( {$260.00} x 5 = XXXX ). Upon the dealership sending payment, which was a few weeks late as they had the wrong address, Chase Auto called me and said I had a balance remaining of {$350.00} due to issues with the vehicle. I requested a formal dispute as the dealer ( XXXX XXXX ) that I leased the car from and was also the dealer I delivered the car to failed to inspect the vehicle while i was there. After showing up at my appointment time to drop the car off and have it inspected ; once the sales person realized i wasn't purchasing/leasing another vehicle he ignored me and after 1.5 hours i left the dealer. My goal in disputing with Chase was so i could reach out to the dealer to see why they had claimed that the returned car had defects, which i contest didn't have. Chase Auto Finance never allotted me the time and charged off my account and now says I owe {$540.00}, even though its not accruing interest or fees. With me being someone who has several car loans/leases through Chase over the course of 10 years ; never missing a payment, I felt they would honor my dispute request. Since the account has been in collections, I have called over 15 times trying to get through to my " Account Specialist '' XXXX at extension XXXX. She never answers her phone, even though I have left over 10 messages. No one else in the recovery department is allegedly allowed to speak to em about the account. They say I need to speak to XXXX. Once representative told me shes been in and out of the office recently and has been trying to play catch up. I even tried to call and pay the {$540.00} to protect my credit and they said they can not accept payment. 

They have negatively affected my credit with their negligent business practices, as my credit reflects a charged off balance of {$540.00}. I feel Chase has wronged me because they didn't give me any options to dispute the balance, even when I made a legitimate claim and they also didn't give me a chance to try and save it by paying, even though i disagreed with the charges. I am asking for my credit to be fixed and the ability to dispute the charge. I will even pay the charge until the the outcome of the dispute is determined. If its determined that i was right, then they can reimburse me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove the report from my account- it is effecting my credit report and needs to be removed I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability 's to obtain credit
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This letter is in regards to my mother, who is a former Capital One credit card holder. She has give me power of attorney so I am authorized me to act on her behalf. 

On XX/XX/XXXX, she called Capital One to pay off her balance and close her account. She was told she had to pay a {$21.00} fee to close the account, and she did so, paying a total of {$1100.00} over the phone. 

She received a transaction statement for the period from XX/XX/XXXX to XX/XX/XXXX, acknowledging that payment and saying that Capital One owed her {$1.00}. Then another statement, for the period from XX/XX/XXXX to XX/XX/XXXX, claimed she owed {$30.00}. The following day, XX/XX/XXXX, I wrote to Capital One, explaining the situation and asking them to close her account and stop billing her. 

A few weeks later, she received another bill. Finally, in mid XXXX, I called Capital One and was told that the first time my mother called, the customer service rep made a mistake and my mother had not been given the amount of interest owed. That interest was continued to grow each month. The customer service rep said that she would erase the interest from the account, and my mother would owe nothing. Last week she received another bill for {$88.00}. 

I called again on today, XX/XX/XXXX. The rep on the phone had all of the information -- knew the entire history about the agreement to waive the interest fees -- and said that the previous rep had not completed the update properly. She assured me that it would now be taken care of and that a XXXX   balance would be reflected on the printed statement my mother receives within one or two billing cycles. Thats the part that makes me nervous because that is what I heard last month. She also said that the waiver of interest would not apply to future purchases or cash advances. However, the account was closed in XXXX, so there will no longer be any more transactionsonce they remove the {$88.00} interest payment from the account. My concern is that Capital One will keep charging interest on the interest it had charged before, in the hopes that my senior citizen mother will just give up and pay it.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

MY CREDIT CARD ACCOUNT WAS CLOSED WITHOUT ANY WARNING ( S ). I DIDNT GET ANY NOTICE ON MY LATE PAYMENT AND ONLY REALISED MY ACCOUNT HAS BEEN CLOSED AT THE TIME MY ACCOUNT WAS FUNDED. I NEED MY CREDIT CARD ACCOUNT REOPENED.
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunions on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to Transunion requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to Transunion requesting removal because collection agency did not respond to my request and did not provide validation. 
Transunion responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to Transunion requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did Transunion obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting Transunion to properly investigate this account and to remove since it cant be validated. Transunion I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX  failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my XXXX XXXXeport.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion and XXXX are fraudulent on my credit accounts : DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXs fraudulent on my credit Account # XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DIRECMANAGEMENT, INC. (AL)

In XXXX of 2014 went to the ER thinking I was going to lose my XXXX. I gave XXXX XXXX all my information including my mailing address, and insurance cards. The hospital clerk took my IDS and information and said I had no copay. I signed my patient paperwork and went to the back. Two years later I decided to check my credit score and saw this company XXXX XXXX XXXX on my credit score. I have no idea who these people are. And I need help with this problem.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

This is the 3rd complaint. Mr. Cooper is placing the burden on the me to prove they were justified to charge me PMI. It should NOT be my burden. They should NEVER have charged me PMI in the first place. Please help me. On XX/XX/2020, I did write the email but that was ONLY after I'd called and requested the PMI be removed. I received the email from a phone call I made - otherwise I would not have been able to email anyone. The person I spoke to previously from Mr. Cooper gave me the email address! I am requesting Mr. Cooper reimburse me every XXXX of the money taken from me for PMI - pull phone records if needed. Also, I have another loan with Mr. Cooper with much less equity in the same zip code and Mr. Cooper has NOT charged PMI on that home. It makes no sense they would charge PMI on a home for which I have over 75 % equity. Please reimburse me immediately for {$700.00} ( XX/XX/XXXX-XX/XX/XXXX ) plus {$28.00} per year interest. {$790.00}. Thank you XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

Experian will not unfreeze my credit nor provide a one time pin for my lender to use. I have provided necessary information and they continue to tell me to resend it over and over and over. This is preventing me from obtaining a home refinance. I want charges against Experian for denying me access to my information.
Consumer complaint received 2022-03-31
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. (CT)

I originally sent a complaint to Equifax in XXXX and never received a response or an updated report I am now DEMANDING Deletion of the inaccurate accounts and Metro 2 Violations you continue to report
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one offers only one way to verify your account when your device is not recognized when signing into your account. The only option is your mobile phone number. Today many people are traveling or working from remote places. Usually credit card companies will give their consumer two options to authenticate themselves 1. Email 2. Mobile phone number. Capital one only offers the second option. I was away on vacation for a month and did not have access. Capital One intentionally limits their clients to verify yourself in order to enter their own account in order to make a profit. I then emailed the company to unlock my account in order to make a payment and my email until today has never been answered. When I returned I called to make a payment and was told I would be set up for autopay. Fast forward to the day before my payment is due and capitalone sends an email alerting me my payment is due the next day. When I clicked the link to double check my payment was being processed- the capital one website falsely makes you believe your signed up for autopay but displaying an option in the middle of the page saying Cancel your autopay. 

Today, is my due date and I called capital one to confirm my payment would be going through today and they alerted me that my auto pay was never turned on. At that same moment I was assessed another {$40.00} late Fee even though the payment due date wasnt even over yet. They could have processed my payment the same day ( like most credit cards ) and avoided the {$40.00} late fee. Its not right another late fee can be assessed to a client when the due date day is not over yet. 

I will never do business with CapitalOne again and they should be investigated for deceiving practices.