davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I received letters from Wells Fargo saying that I got deny my claim. On the date XX/XX/21 my bank account got hacked and somehow someone live a day from me E-withdraw my money that I didn't know and I didn't withdraw my money. After I saw my money withdraw I ran to the bank and report to them right away. Don't know why they didn't verify the location and match the time when I report to them. I need help The amount was XXXX and XXXX, total is XXXX XXXX
Consumer complaint received 2021-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following inquiries are fraudulent inquiries on my credit report made from identity theft. 

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 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

The company Ditech assessed a late fee for a payment. According to the Ditech representative I spoke with, the only way to make sure the late fee is paid off without the payment going to the principle or interest on the loan is to pay {$19.00} to have a representative take the payment over the phone. 

This is an unfair fee to cover a late fee of {$70.00}. 
Other methods of sending in a check are no guarantee that the late fee will be paid according to the representative I spoke with at XXXX XXXX CST on XXXX XXXX, 2017. 

What is the purpose of this unreasonable fee for making transactions over the phone?
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A. (VA)

Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of 2019 the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

As a result of the ongoing COVID forbearance, I'm now considering pursuing forgiveness through the PSLF program. During the COVID forbearance, I went back to school and enrolled full-time. I was also working full-time at a PSLF-eligible employer . I asked Great Lakes to remove the in-school deferment on my account and they said that they can not remove the in-school deferment status since it has already ended. I am frustrated because I want that year of non-payments to count towards PSLF like it would had I not gone back to school.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act convergent XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

XX/XX/2021 -- Made mortgage payment to US Bank via US Bank portal ( Bill Payments -- > Pay US Bank Account ) Payment was applied as a principal-only payment rather than as a monthly payment ; due date for monthly mortgage payment did not change. ( This event followed a number of administrative errors made by US Bank Home Mortgage following a mortgage refinance. )
Consumer complaint received 2022-08-10
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 (NY)

Last month, I found my card information has been stolen, so I contract my bank ( Wells Fargo ) for help, they replaced the card for me and did the investigation. However, after they processing the inquiry, they only gave me parts of the money back, and determined the charges of {$7700.00} on my account was authorized or the processing error did not occur, and closed my case. I searched these companies which I transfer money through, they are all Online Money Transfer, here I attached the file for transaction records, including the financial platform, dates, amounts of transaction amaounts. 
For your convenience, I listed these XXXX companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much for your help. Please feel free to contract me through email : XXXX or phone : XXXX. 
Thank you so much for your help.
Consumer complaint received 2017-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (OH)

New York community bank aka Ohio savings bank called the heloc XXXX XXXX years early due to no longer writing heloc and requested full payment of the balance. I attempted in XXXX and XXXX to make a payment over the phone to keep current so I could refinance with another bank and offered to mail a pmt. All payment requests were refused by the lender and the phone representatives only concern she asked me was if the calls to pay was on a recorded line. They have reported me as delinquent and I am unable to refinance because of their reporting. The lender originally lied and stated the loan has reached its maturity date which I was able to quickly prove the maturity date of 2012. Furthermore I was billed approximately XXXX per month throughout the term both by mail and on the automated system. I paid XXXX per month when billed for the lesser amount. Just last week In speaking with a customer service rep at the bank was advised the payments were approximately 450.00+ per month. I was never advised of this previously at any point nor was I in default prior for the supposed short payments.When first notified of their decision I was advised by a representative at the bank that i was not able to sit down with anyone t the bank to discuss their " offer to help '' paperwork nor was there anyone at the bank who I could call to discuss. The lender has been very deceitful, provided incorrect information and lied during this entire process besides refusing to take payment then reporting me as late to the credit bureau. I attempted to refinance and now can not. I did not want to do business with this lender any longer but was forced to go back to them due to the situation to try and rectify the issue. customer service representative at the bank assisted me with the loan application paperwork but is not a licensed loan officer. That is a big concern.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE HAS AND CONTINUES TO VIOLATE MY FEDERALLY PROTECTED CONSUMER RIGHTS. CAPITAL ONE CLAIMS TO BE THE CREDITOR STATING THAT CAPITAL ONE LOANED ME THE CONSUMER CREDIT. THE CREDIT IS ORIGINATED BY ME THE NATURAL PERSON THE CONSUMER. SO FOR CAPITAL ONE TO STATE THAT CAPITAL ONE LOANED ME CREDIT WOULD BE A VIOLATION OF 12 USC 1431 IT IS ILLEGAL AND UNLAWFUL FOR ANY FINANCIAL INSTITUTION TO LOAN CREDIT. CAPITAL ONE HAS ALSO SHOWN ACTIVITIES WHICH CONSTITUTE AS DISCRIMINATION WHICH VIOLATES 15 USC 1691 ( A ) ( 3 ) BECAUSE I THE APPLICANT IN GOOD FAITH HAVE EXERCISED MY RIGHTS UNDER 15 USC CHAPTER 41. CAPITAL ONE HAS ALSO COMMITTED UNAUTHORIZED USE OF MY CREDIT CARD WHICH IS MY SOCIAL SECURITY NUMBER AS PER FEDERAL LAW 15 USC 1602 ( L ) .AS PURSUANT TO 15 USC 1602 ( P ) I HAVE RECEIVED NO BENEFIT FROM CAPITAL ONE UNAUTHORIZED USE OF MY CREDIT CARD CLOSING MY ACCOUNT AND VIOLATING THE FDCPA 15 USC 1692 WITH CAPITAL ONE 'S CONDUCT AND ACTIONS. I AM DEMANDING CAPITAL ONE SEND ME A COPY OF THE 1099-OID TAX FORM FOR THIS ALLEGED DEBT. CAPITAL ONE ALSO DENIED ME OF A CAR PURCHASE ON XX/XX/2021 STATING THAT I NEED A ADDITIONAL DOWN PAYMENT. ACCORDING FEDERAL LAW 15 USC 1605 ( A ) THE FINANCE CHARGE IS THE SUM TOTAL OF ALL FEES AND DOESN'T INCLUDE A CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION .ALSO 12 CFR 1026.4 ( A ) The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction.SO CAPITAL ONE COMMITTED IDENTITY THEFT AND FRAUD XX/XX/2021 AS PURSUANT 15 USC 1681 ( Q ) ( 3 ) USING MY IDENTIFYING INFORMATION FOR UNAUTHORIZED USE WHICH I RECEIVED NO BENEFIT FROM .SINCE I DID NOT RECEIVE THE VEHICLE FOR WHICH I SUBMITTED A CONSUMER CREDIT APPLICATION FOR ON XX/XX/2021 BECAUSE I REFUSED TO PUT DOWN A DOWN PAYMENT BECAUSE CAPITAL ONE CLAIMED THAT WAS POLICY. WHICH VIOLATES FEDERAL LAW UNDER TRUTH IN LENDING ACT 15 USC 1605 ( A ) AND 12 USC 1431 IT IS ILLEGAL FOR BANKS OR FINANCIAL INSTITUTIONS TO LOAN CREDIT .THERE IS NO CREDIT SCORE TO QUALIFY FOR ANYTHING I AM THE CONSUMER THE NATURAL PERSON THE ORIGINAL CREDITOR. CAPITAL ONE CAN NOT LOPAN ME CREDIT OR MONEY AS PER FEDERAL LAW. I DEMAND EVERY ISSUE ADDRESSED AND RESOLVED OR I WILL SEEK LITIGATION. AS PURSUANT TO 15 USC 1693 ( L ) No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this subchapter or a waiver given in settlement of a dispute or action.
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi. 
I contacted Transunion and asked for assistance with removing credit inquiries. These inquiries are not authorized by me. It happened today and I immediately called to have them removed. They said I need to submit a letter of removal from XXXX and send in documentation. I called XXXX and they said they couldnt provide such letter. 
I am asking that they remove the XXXX inquiries from XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

in XX/XX/XXXX I sent a Notice of Conditional Acceptance, Notice of Acceptance, Rescission, Opt to Cure, & Estoppel to Capital one in which they did not respond. As a result, they are in default, and have not honored the terms of the contract. All items were sent to the CEO & CFO of Capital One ( XXXX XXXX ) ; however, they have charged off the account in error and are still reporting to the Credit Bureau 's as well as. Below were the terms in which they did not honor. The amount is still showing on my credit report and they are still reporting monthly to all credit bureau 's. They have not removed the lien as well. 

No further payment is owed The outstanding debt has been discharged in full reducing the account balance to XXXX. 
Remove negative credit reporting you have reported to the crediting agencies You will mail me a lien release You are accepting this NOTICE as full accord and satisfaction You agree that for any attempt by you or your agent to repossess my Car with Account XXXX XXXXXXXX ( hereafter referred to as the Your Monthly Auto Statement )
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (MD)

This second complaint is in correspondence with my previous complaint filed with you on XX/XX/XXXX complaint XXXX. Homebridge financial services inc has not resolved this issue. The tax exemptions department has not adjusted my mortgage payment back to XXXX to date. I have submitted proper supporting documentation along with XXXX city Metropolitan department stating that the error to my water consumption for XXXX was corrected. I have called to follow up with this issue on XX/XX/XXXX And XXXX to get the status and I was left on hold for an extended amount of time and no one answered to give me an update or status to when this will be completed. This is the second month I am left to pay a high mortgage payment of {$1900.00}.
Consumer complaint received 2020-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have called every month for assistance since XX/XX/XXXX. I lost hours and other financial incomes during COVID19. I asked for assistance multiple times. Every month the denied assistance and Repossessed my vehicle XX/XX/XXXX.
Consumer complaint received 2019-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am unable to see the credit score in the XXXX  XXXX XXXX mobile App ( Free FICO Score ) from inception ( around XXXX months ). The XXXX XXXX employees are least bothered to resolve the issue and only interested to catch fight with me, those bunch of idiots have only one answer that I am new customer and that's why it is not visible, it would be automatically visible after " few years ''. They even don't know the number of years in their so called " few years ''. I believe XXXX months is pretty long tenure to populate FICO score. 

From around XX/XX/XXXX, I am following up with the XXXX  XXXX XXXX but its service is extremely unprofessional and they are not reporting my SSN to the transunion. 

I called to Transunion at XXXX XXXX XXXX at around XXXX XXXX  on XX/XX/XXXX and I have been told by Transunion representative XXXX that XXXX XXXX  XXXX is not reporting my SSN to transunion. XXXX  XXXX XXXX reports my address, birthdate, age, address and my payment history. 

It would be great relief if I would be able to see the FICO score in the mobile app of XXXX  XXXX XXXX.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Thank you in advance for your attention in resolving unfair practices with Selected Portfolio Servicing. As of today XX/XX/2021, I have been denied a forbearance or a reasonable loan modification. SPS is not being helpful during the Covid 19 crisis. I asked for a forbearance and instead they offered a modification with a 3 month trial period. Not knowing what they were going to come back with till after a 3 month trial period. I was shocked to see the unreasonable & unheard proposed terms. It sounds like a major rip off. They have to stop ripping us off. I used to work in mortgage lending and currently a Notary Signing Agent and I do not see these types of terms they want us to agree to! 

This is a second loan. 
6 months unpaid mortgage payments equal to a total of {$3500.00} with fees which I still need to review but it is less then $ XXXX. XXXX Months of XXXX ) Modification trial periodXXXX Paid {$360.00} each month and on XXXXas well. 

Proposed Modification received XX/XX/2021 New payment {$360.00} which may adjust. 
New Maturity date XXXX, will add 14 years. Current Maturity date XXXX. 
Final ballon payment on the interest bearing principal balance of {$34000.00} is due on the XXXX Date. Yes XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Amortization Term XXXX, XXXX XXXX XXXX, XXXX. Basically 40 years. 

We owe less than $ 5k and they want to charge over $ 50k. Includes the ballon payment and the difference in the new maturity date. Sounds like a rip off to me! 

We have no problem keeping the same monthly amount of {$580.00} & extending the term by 6 months or even 1 year like we did with our 1st mortgage with no problem. If they want to call it a Forbearance or a Modification it's ok. What's not ok, they tell us it is their investors choice. They don't disclose who the investor is and we have the right to know this as well. 

Hope you are able to help us and other upcoming customers with the same issue. I have been reading reviews on Yelp and XXXX  and they are being referred to CFPB. Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Our mortgage was recently sold to Select Portfolio Servicing, inc. We had XXXX which sold our mortgage to Select Portfolio. We had XXXX XXXX which was renamed to XXXX because of the complaints coming in because of their intimidation toward their customers. 

Select Portfolio Servicing was calling our home when our payment was not even late. It was not past 30 days at all. We are now receiving letters stating we are late and trying to state that our loan is in jeopardy and I have already paid it. This letter was received XX/XX/XXXX. 

I told them when they called, do not call me again. Today, we received this letter, when the mortgage was paid. 

These mortgage companies are harassing their customers when they have never been late. This has to be against the law. We have never been late by 30 days ever. This harassment by these mortgage holders has to STOP. 

By law, they should not have the right to intimidate!