davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I 've contacted Equifax in writing multiple times requesting a correction for wrong/inaccurate information reported on my credit report, they failed to investigate the item carefully or verify it and they did n't correct the item either, I have all the proofs to support my claim and shows their violation to compliance with the FCRA. 
the item remains as a negative derogatory on my report, it 's negatively effecting my personal and financial life big time. 

the item information is the following : XXXX XXXX XXXX vehicle loan paid off and closed in around XXXX XXXX the negative reporting is : 30 days ' late payment 3 times XXXX XXXX, XXXX & XXXX of XXXX ). 
the negative reporting is : 60 days ' late payment 2 times ( XXXX & XXXX of XXXX ) I 'm negatively very effected by this matter as a consumer and I 'm asking the Consumer Financial Protection Bureau to protect my rights as a consumer and to take full and strong action against this company striping our rights by reporting wrong inaccurate information.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I fell behind on my mortgage after my payment increased from {$1800.00} per month to {$2400.00} per month. Basically I am on a fixed income. My loan is serviced by SPS and the owner/investor of my loan is XXXX XXXX. I was denied for a loan modification on XXXX/XXXX/2015 by SPS for HAMP 1 ( Denial letter attached ). The reason given was due to " excessive forbearance ''. However my attorney ran the exact same numbers given to me on my denial letter through the Making Home Affordable web site and it came back Positive NPV ( See attached copy of NPV ran ). My attorney states, I qualify for HAMP 1 and there is no reason they should not be approving me for HAMP 1. That SPS is acting as a co-conspirator for XXXX XXXX in BLOCKING/EVADING approving me for HAMP 1 on purpose. After my initial denial that had a false reason for denial, I re-applied again twice. Both times SPS denied me for HAMP 1 stating " Investor/Guarantor Not Participating '' and " HAMP-PSA RESTRICTION ''. So the first time they acted like they reviewed me for HAMP 1 and I did n't qualify. The next two times, they say the investor is not participating. I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe SPS has made any effort to get XXXX XXXX to waive the restriction. My attorney states XXXX XXXX IS participating in HAMP 1. Bottom line is that I qualify for HAMP 1. XXXX XXXX is participating in HAMP 1. SPS is acting as a " bad actor '', " Co-conspirator '' in blocking/evading approving me for HAMP 1.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX failed to repair my car then tried to over me another car which i wanted my car to be fixed and repaired with them not being able to repair the car because it was a lemon and the lemon laws they tried to give me another lemon which i didnt want to be put in the same situation again i asked if they could take the car back without a repossion on my record they said yes but instead they but a repossion on my account and didnt update the account balance from when i voulnteered to return the car which in return has been negative reflecting my credit report.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (CA)

I took out a small loan on XXXX in the amount of XXXX $ from Minto money. In the paperwork there was never an interest rate or pay off amount. When I signed up the women in the phone said I would have a pay off amount of XXXX XXXX 3-4 days later I had to call back because they took the money on the wrong day and they had most of my information wrong. They never sent me over a new contract or anything with interest rate or pay off amount the only thing I was told is my pay off amount is XXXX XXXX Calling on XXXX they told me that my pay off amount is now XXXX $ and its going to go up everyday I have the loan out despite the fact I am making payments already and now they say I have a over 600 % interest which was never discussed with me and the paperwork online doesnt have my signature on and still wrong information I have given them {$880.00} but some how they say my pay off is still XXXX $ and going to continue going up every single day and if I dont pay the total is going to end up being over XXXX $
Consumer complaint received 2015-10-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a car over two years ago and Santander Consumer USA financed the loan. I was not aware at the time that the interest rate was over 16 %. This high interest rate raised my car payment to well over {$640.00}. At the time of purchase I was able to make the payment but after being demoted and pay rate being decreased, I contacted Santander for help and they offered me an auto loan modification for six months which lowered my car payments to a little over {$380.00} and I was able to make the payments for that time. I decided to seek another car and attempted to trade the car they financed in for a cheaper and more affordable car payment only to find out that the pay off for this vehicle was over {$30000.00}. I was told by the dealer that I was victim of a predatory auto loan where all of my payments were only applied to interest and not principal. I am trying to find out if this type of loan is legal and is there anything I can do to get them to lower my auto payments. The dealer stated the large payoff amount is the reason why I can not get into a cheaper car and why my principal payments are not going down? I have made payments in the amount of over {$12000.00}.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AE)

on XXXX XXXX XXXX XXXX i sent a letter to experian asking them to provide me with information regarding a item listed on my credit coming back as verified I asked them to provide me with evidence of this matter and have gone ignored on my request.
Consumer complaint received 2016-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc. (GA)

This company, MEDICAL DATA SYSTEMS INC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

After purchasing a loan from Wells Fargo, my initial payment to the bank was made on XX/XX/XXXX. On XX/XX/XXXX I was informed that my payment for XX/XX/XXXX was past due. Online records from Wells Fargo 's own website indicate the payment was made and applied to the loan on XX/XX/XXXX. On XX/XX/XXXX there was a payment reversal made for the same amount of the original payment. The loan was reset to the original amount on XXXX/XXXX/16. On XXXX/XXXX/16 there was another reversal in the amount of {$4.00} and the outstanding balance was reduced by the original payment amount. On XXXX/XXXX/16 another reversal was made and the loan amount went back to the original balance prior to any payments being made by me. On XXXX XXXX I was informed the account was past due.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Paypal informed me XX/XX/22 that I had received a {$5.00} rebate payment from a company I bought a product from. Paypal is requiring my social security to obtain the {$5.00}. I don't do business with Paypal and see no reason to provide them with my social security number in order to get {$5.00}
Consumer complaint received 2021-01-26
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and  XXXX  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 2015-08-13
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am a long time customer of Capital One - have XXXX of their credit cards. Because I am applying for a mortgage, I used their App to check my FICO score. Although their App says XXXX, that is not the case. Regardless, its lower than it should be ( around XXXX ). I determined that the lower FICO score was because of an unpaid transaction to Capital One. The dispute is regarding {$7.00} due to XXXX. However, XXXX says my balance is " XXXX ''. Months ago, I switched my autopayment from Cap 1 to a XXXX XXXX. So I do n't know how Cap 1 determined I have an unpaid balance when the vendor, XXXX says otherwise. I conducted an online chat with both parties to determine what 's going on, and later spoke to a Cap 1 representative by phone. Because the difference in mortgage interest rates is massive, I went ahead and paid the Cap 1 bill and that payment should be processed in a few days. However, it might take 30 days or longer to have the correction updated in the XXXX major credit bureaus. I need to have an accurate FICO score immediately. Can you help?
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (DE)

My mortgage is with Arvest Central Mortgage Company ( unfortunately ). I have biweekly payments set up through my bank to pay my mortgage. Every month I have to call them and ask them to apply my payments to my account. I set up my payments this way because it helps me to budget better month over month and with then intentions of paying my mortgage down faster. I have inquired about biweekly payments with ACMC, but the require a {$200.00} down payment and the charge 3 % per payment. Theyre already charging me interest on my mortgage, but they also was to charge me interest to make a payment. I find this extremely unfair and unconstitutional. 
Please have the OCC or XXXX  audit this process. I have worked in the financial industry for almost 20 years and have never experienced a process as such. This is not fair or responsible banking.
Consumer complaint received 2019-02-25
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. (AZ)

I opened A credit card with XXXX XXXX XXXX with a credit limit of {$400.00} on XX/XX/2018. After a few weeks of use they suspended my card for investigation. I called to see why and they said one of the credit bureau showed my social security number changed. They requested I show proof from social security office that the social security number I used belonged to me which I provided and mailed to XXXX  XXXX XX/XX/XXXX.Even after I showed proof my account was still closed onXX/XX/2018. I then Called to pay balance off since credit card was closed and submitted payment of {$400.00} on XX/XX/2018. On my XXXX report the information referenced is correct. Reason for complaint is that the credit bureau Experian is still reporting account opened and in derogatory. Experian also shows another error of account balance at {$2100.00} for XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Plus Inc (MD)

There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (KY)

I contacted Souhtwest Credit systems via certified mail on XXXX XXXX 2016 to dispute the collection placed on my credit report asking that they validate the debt and to mark the account as " Disputed '' with the credit reporting agencies. According to the FCRA Section 623 ( a ) ( 3 ) they violated this by not placing the disclosure within the required 30 day period. I will attach a copy of the certified mail when it was signed for as well as a copy of the credit reporting agency that has a date and time stamp showing this was not done within in 30 days of Southwest signing for the certified mail. I have contacted via certified mail a total of 3 times giving them ample time to resolve this matter since they violated a federal law.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A company reached out to my eldest daughter regarding a debt that they state I owe to Bank of America. I have not had an account with Bank of America for years, so I am not certain what debt they are speaking of and why they contacted my eldest daughter instead of myself. I have had clear credit - no debts- for at least two years now as I worked to clean up my credit rating. 

Information from the email my daughter received and forwarded to me : From : XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX AM Subject : XXXX XXXX, important reminder To : XXXX XXXX XXXX XXXX ( NOT my email address ) Your XXXX account number is : xx-xx-xxxx-xxxxx - We don't want to see your balance of {$8300.00} be taken back by XXXX XXXX ( current creditor of your original Bank of America , N.A . account ).
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I applied for a card last year in XXXX. I was approved and card was supposed to be shipped out. I never received the card. I called them around XXXX yo inquire about the card and they said a new one would be shipped out. I received it close to XXXX. 
Today I called to ask why if I had already spent more than {$3000.00} why I had not received the XXXX miles I was supposed to. I called today to inquire about this and they said that I didnt meet the spending by XXXX. I brought out the fact that my card was received on time and I figured my time would not begin until after the 2nd card was shipped out and now I am told that they dont have noted of whenever I called last summer and that maybe it was for another account. I only have one account with them. To make matters worse they said that only one number shows on file for me which is inaccurate because back in XXXX I lost my wallet and had to cancel all accounts and request new cards. 
I spoke up to the supervisor and she still was set on saying that I've only ever had one card. Which is ridiculous because like I said I did have to request a new card. Obviously something is going on with their system and they refuse to look further into it.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

The purpose of this letter to lodge a complaint against Citibank. The end of XX/XX/XXXX, I called the credit card company to verify if I was eligible for a credit card promotion. You receive XXXX XXXX air miles points if you spend {$3000.00} dollars within the first 3 months of opening a new card. You are not eligible if you open or close a card within the last 24 months, hence the reason I called customer service to verify if I was eligible. I had made this mistake 2 years prior, when they changed the policy from an 18 month to a 24 month waiting period to qualify without my knowledge. I didn't receive the XXXX bonus miles, although I spent the required XXXX dollars. I try to learn from my mistakes so I wanted to make sure I qualified this time and that I indeed had gone past the two year waiting period. The woman at Citibank 's customer service office confirmed that I had, so I applied for a new card which I received in the beginning of XXXX. 
By the end of XX/XX/XXXX, I had spent the required XXXX XXXX dollars. I checked my account and noticed the XXXX points had not been posted to my airline miles account with XXXX XXXX. I called to find out why and was told I wasn't getting XXXX points because the customer service person I spoke to in XXXX had apparently made a mistake. I was shocked. I feel like I have been duped into spending a lot of money for nothing. I asked to speak to a supervisor and then a manager both times told it's unfortunate but they can't do anything to rectify the situation. I demanded to speak to someone else and they said they would have another higher up manager call me from the review department. That was supposed to be within 24-48 hours. They never called. 
I do not feel I should be paying for their mistake, especially when I made sure this time I was doing everything correctly and was told I qualified. If I had been told the correct information I simply would have waited until I was qualified to open a new card. I was denied that option with the wrong information. Now I have to wait another 2 years ( a total of 4 ) to qualify for a new bonus program. We are talking about points not currency. In lieu of good customer service, they should own up to their mistake and award me with the XXXX points I deserve.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycards wanted to verify my identity after I made a large purchase attempt with my Barclay Arrival Plus credit card. They demanded some very sensitive documentations, e.g. copies of SSN card, driver 's license to be sent. I sent those documentations to the address they provided and have n't heard from them for 35 days. I called in multiple times to try to solve this problem. But their customer relation team just rudely denied any alternatives and kept suspending my account. I tried to jump out of this frustrating mess by paying off all the balance on the account. And yes, they allowed me to pay them while keeping me from charging them. They are even going to charge the annual fee for the card that I ca n't use because they did n't allow a suspended account to be closed.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Affirm Holdings, Inc (NC)

I received an email from AFFIRM on XX/XX/20 that my autopay failed. I called twice to find out what the autopay fail was and that it would be researched. Each representative told me that they are not allowed to know this information so now i am receiving payment overdue notices and i am worried about negative credit reporting. They also stated that the problem could be on their end so i feel like Im being harassed for a payment that I know would go through since i have plenty of money in my account and can provide statements as proof. I also contacted my bank who does not show any payment fails to my account. I have worked autopay before and i know the ACH system will provide a reject reason but i am not getting any cooperation from AFFIRM to let me know what the issue was.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

My client have tried several times to get a loan modification with CitiMortgage for over two years now. My office has complied with their requests for documentation and information, only to be told that the file had " expired '' or some other non-acceptable answer. We had complained about this this sad state of affairs with the XXXX office without any real results.