davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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. (AZ)

Sent in a dispute letter over 45 days ago to the bureaus for unverified, erroneous accounts. I have yet to receive any validation from the bureau nor creditor of validation of accounts. I request these unverified accounts be deleted from my credit report.
Consumer complaint received 2016-08-16
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advance America, Cash Advance Centers, Inc. (TN)

I 've contacted Advanced America Cash Advance trying to settle my debt.and acquire a payoff my interest rate is 222.10 percent. They refuse to give me the requested information. I no longer want to owe them money. They have been rude and uncooperative. I would appreciate your assistance in this urgent matter.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had submitted a dispute with Capital One Bank about a {$21.00} Charge for XXXX I never received and how XXXX failed to correct the matter. XXXX issued a credit of {$21.00} to my credit card ( the correct amount charged to me ). Capital One Bank took back their temporary credit of {$21.00} XXXX OK ). Then Capital One Bank took back XXXX Credit of {$21.00} that they correctly gave to me and then issued me a credit of {$16.00}. Capital One Bank then pocketed {$5.00} of my credit XXXX charged me then credited me back with. XXXX had credited me a few months earlier with {$5.00} but failed to give me the other {$14.00} of a {$20.00} Gift Card that I had used. So now I am out the {$5.00} Capital One Bank took from me as well as the other {$14.00} of a {$20.00} Gift Card too.
Consumer complaint received 2015-08-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (FL)

While looking for a mortgage lender, Quicken Loans customer service agents stated numerous times via email, voice, and online communications that they would be able to accept semi-monthly payments ( XXXX payments a month ) and suggested that those payments would be applied immediately. After obtaining my loan and making semi-monthly payments I noticed that Quicken Loans would wait until the second payment is received before applying the payments. After a reply from QL via XXXX, they notified me that mortgage interest is paid in arrears. Although this is not a common term ( try XXXX it ) and is not normally used with mortgages, it means that the half payments would make no difference. 
1 ) Quicken Loans mislead me on several occasions to believe they would accept and apply payments immediately. ( email available ) 2 ) Quicken Loans does not easily disclose how their mortgage interest is calculated. ( try searching " arrears '' and " quicken loans '' ) 3 ) Knowing this, I would not have went with Quicken Loans.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I contacted the Credit Bureaus on XXXX-XXXX-2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL,  social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.
Consumer complaint received 2021-06-05
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. (FL)

I would like to the following child support account removed from my credit in cooperation with law 15 US code 1681 B : permissible purpose. 

-Child Support EnforcementXX/XX/XXXXxxxx XX/XX/XXXX -Child Support Enforcement XX/XX/XXXXxxxx XX/XX/XXXX
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Robert J. Colclough, III (NC)

I do n't think I chose the correct issue above, however I think it is closest to my issue. I have a record on my credit report that I have disputed through both the company and the credit bureaus. The dispute is marked as being disputed by me on my report, but it was not removed despite the creditor not sending me verification of this debt. I do not even know what this debt is for. I have tried contacting the collection agency by mail to obtain verification with no response and they will not remove the item from my report.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (AL)

I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

Equifax is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and XXXX is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that Equifax shows this account was included in our BK and that XXXX removes the lates from XXXX that are in error.
Consumer complaint received 2016-06-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

Dear Cfpb, I would first like to thank you for taking the time to read my complaint. I currently have a student with Navient which I have paid on time for almost 6 years. The interest rate is terrible and my balance is not going anywhere this is a crime they charge 13.24 % for a student loan! I called them and they said they can not do anything to lower it because I make too much money. I tried refinancing this with XXXX other lenders and the denied me that I do not make enough. I feel there is no way out of this. I do not mind paying the loan but when all I am doing is paying mostly interest I get upset. The main issue is when I took the loan out back in 2003 the rate was around 7 % how and why this jumped to 13.24 they can not explain. Is there anything that can be done here? 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-09-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NE)

We closed on our mortgage through XXXX on XXXX/XXXX/2016. Our first payment is due XXXX XXXX, and I received a random phone call on XXXX/XXXX/16 from Freedom Mortgage telling me they bought my loan. The representative on the phone told me my payment was due XXXX, then changed it to XXXX. When I go online it says XXXX/XXXX/16 first payment is due. I never received a fifteen day notification that my mortgage loan was transferring and now I am trying to get a straight answer as to who I send my first payment through. I have received no bills from anyone.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

This is now my second time filing a complaint on chase and the account was opened on XX/XX/2021 and was locked the next day for suspicious activity ; I went to the branch and showed a copy of my drivers license and social security card. I was in the branch for over a hour and my account access was restored. On XX/XX/2021 after leaving the branch around XXXX XXXX my account was locked again and after calling chase four times I finally was able to get a representative that could fix it. Now here it is XX/XX/2021 and after I opened a business checking account earlier in the morning my account was once again locked for suspicious activity and I have no access to use my money. I'm tired of this and it's ridiculous at this point and I'm getting a lawyer involved unless my account is restored because there is no reason for this at all. All funds have been verified and there are items I actually paid for by other means that needed to be disputed that I now can't because of this.
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Bread Financial Holdings, Inc. (KS)

I called in to make payment on my accounts, I asked about interest on one of the accounts and the male rep got hostile with me, I asked for his supervisor and the male supervisor got on the line and had the same hostile tone. At no point did either representative read me the mini Miranda. Also, when I asked to speak with another manager, the current manager hung up on me. I have all of this on recording. I called back a second time and tried to explain what just happened and got treated the exact same way and he hung up on me. During the call he refused to provide me with his name and the names of the XXXX previous representatives.
Consumer complaint received 2017-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (FL)

I opene d a Business Build-to-Order Checking account at BBVA Compass i n   XX/XX/XXXX .  I have the original paperwork and it clearly states there are no service charges. I received a letter in   XX/XX/XXXX  th at also confirms there are no service charges.     In   XX/XX/XXXX  , I received a statement dated   XX/XX/XXXX , i ndicating that a $  XXXX  monthly service charge was removed from my account. This was the first letter regarding the account since   XX/XX/XXXX .  The statement describes the account as " CLEARCHOICE FOR BUSINESS ''.     After making a few phone calls, I learned  that BBVA Compass ha s been taking {$15.00} a month from my account for years, totalling at least {$450.00}.     I have been trying for  two weeks to get a statement showing the total amount that was taken from my account, and to get BBVA Compass to  return the money to me. The first week resulted in a branch manager,  XXXX   XXXX , returning 3 months in fees and telling me that was all he could do.     Last week I was directed to communicate with  XXXX   XXXX   at BBVA Compass re garding this issue. Wednesday ,  XX/XX/XXXX ,  I sent her an email requesting an itemized list of fees taken from my account and a refund for that amount. I have not received any communications from  XXXX   XXXX , as of   XX/XX/XXXX ,  other than answering my phone call to confirm she received my email request.     I also aske d BBVA Compass  who changed my account, when it was changed, why it was changed, and why I was not notified of the change. My address and phone number have not changed since opening both accounts. I have also received emails fro m BBVA Compass, b ut never a statement showing these fees.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

From XX/XX/XXXX through the present time OneMain Financial has continued illegal and abusive attempts to collect debts that they are not legally entitled to collect/receive because of the fact that they have committed common frauds and/or have no current valid agreement of accounts stated to establish a verified debt which entitles them to collect/receive on this alleged liability. Furthermore, this company is not in compliance with the fair credit reporting responsibilities that state and federal laws mandate that they must do when managing consumer accounts. At this time all XXXX Credit Bureaus have inconsistent information that is as a result of OneMain Financials improper actions that it seeks to deliberately obfuscate from the eyes of regulators yet ironically seeks to enforce its own nefarious agendas. OneMain Financial continues to engage in harrasment via email, phone calls and letters denoting legal consequences as though sent by a lawyer/law firm despite knowing that this is illegal and improper. The company has recently reorganized reincorporated itself. New account numbers and transfer of the alleged debt has occurred as of XX/XX/XXXX. This email will serve as a full dispute denial of the entire amount alleged to be owed to OneMain Financial. No new contract has been signed on this account stated to verify the transfer of loan servicing entity and no verification has been received to demonstrate that OneMain Financial or their reincorporated entity is entitled to anything from me. This pertains to all prior information within their possession since a proper chain of custody of accounts stated has not been received by me. Furthermore, the credit bureaus are and have been decieved by OneMain Financial for several years as to the appropriate details pertaining to this alleged liability. Finally, this email is not an acknowledgement of the alleged debt in any way as granted by Federal State and local law.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I made my first mortgage payment in XX/XX/XXXX. My mortgage was sold in XX/XX/XXXX. 

I made all my corresponding payments to the new servicer on time. 

The new servicer ( SPS ) argues that I have not made my XXXX payment, meaning I am one month behind. 

After providing all required proof, SPS says the prior servicer did not transfer the XXXX payment to SPS. The prior servicer says the XXXX payment belongs to them, given that my loan was sold in XX/XX/XXXX. 

SPS decided to punish me with late fees and sent my information to the credit bureau, arguing that I had not made my payment. 


I have complied with the agreement, and this issue should be resolved between services instead of punishing me and sending the wrong information to the credit bureaus. 

I cooperated with SPS, and they ignored my proof. SPS did not conduct the proper investigation.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX XXXX, 2016, we paid our mortgage with Wells Fargo in full. We were not required to maintain an escrow fund, but had done so voluntarily. We made demand for refund of the escrow, but Wells Fargo, although crediting full payment as of XXXX XXXX, did not make a bookkeeping entry showing a 'refund ' until XXXX XXXX. As of this date, XXXX XXXX, we have not yet received our money, over {$4500.00}.
Consumer complaint received 2015-11-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.
Consumer complaint received 2015-10-27
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NC)

On XXXX/XXXX/15 was expecting a direct deposit from my employer to be on my rushcard. I logged onto my online account and checked my transactions and I could see where my deposit was made from my employer but my balance was still at {$25.00} ( from what I saved from my payroll last week ). I had been calling rushcard nonstop since XXXX/XXXX/15. I was finally able to get in touch with someone @ rushcard and when I told her what was going on with my account she said that my account was - {$870.00}. When I asked her how can my account be in the negative when I get a payroll deposit from my employer every week and you can only spend what you deposit, she caught an attitude and then saywell you can just close your aaccount. I told her I was calling about my money not to close my account and ask her to transfer me to a supervisor. She transferred me to her supervisor. I was on holold for about XXXX mins. then the phone clicked off so I called back and they said to call back in the morning to talk to a supervisor.I have been calling 2 days straight with no answer. Please help because this is ridiculous. This rushcard glitch has affected me tremendously and then on top of that they are trying to say to say my account is negative {$870.00} which is impossible
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I took out an auto loan through Wells Fargo on XXXX XXXX XXXX, and on the same day a savings account was opened in my name. I did not open the account nor did I ever request that XXXX be opened. I found out about a week later that the account existed and when I asked why I was told that I needed to maintain it to pay the auto loan. At the time I was in the XXXX and stationed in XXXX XXXX, and I had little experience with auto loans. 

I maintained the additional account as best I could over the years, trying to meet the {$300.00} minimum balance. I do not know how often I was penalized, but I know it was a fair amount, all for an account that I neither needed nor wanted. 

I purchased a home in XXXX and the loan originator sold the mortgage to Wells Fargo. I was contacted by Wells Fargo in XXXX telling me that I had to buy insurance through them for the home. After much of my time spent arguing, I was able to deny the insurance and reported the incident to the XXXX. Never to hear anything out of it. 

I paid the auto loan off in XXXX, at which time Wells Fargo stated I needed to maintain the savings account to pay for the home loan, accruing even more fees for not being able to maintain the {$300.00} account minimum. I paid off the mortgage this year, XXXX, but the mortgage account still remains open for some odd reason. I was finally able to close the savings account once the loan was paid off, which means that I " had '' to maintain an account that was fraudulently opened for 10 years. 

I have names of the people from XXXX that opened the accounts, all account numbers and dates. Since this investigation has been made public I have yet to hear anything from Wells Fargo. I have just recently contacted them to see what they are going to do, and I am currently awaiting their reply.
Consumer complaint received 2015-07-29
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NE)

They keep making attempts to get ahold of me by different methods even though my debt is current with the original account holder. They call my personal number at least once a day and have called up to five times in one day. They have called family members even though I have never given them the right or even the information of that family member fishing for my information and saying that I am in default on a loan that is current. They call my job without permission and I have never given them the information for my work. They called my work number XXXX times in one day on a day that I was not working fishing for information.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

In my previous complaint Equifax states " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX XXXX and/or XXXX XXXX XXXX are not reporting on the Equifax credit file. Written confirmation has been mailed to you. " This is not true as of XXXX/XXXX/2016 as the item still is being reported on my equifax credit file per the attached screenshot of my Equifax credit report. 

Their original statements do not match their action.
Consumer complaint received 2017-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On  XXXX   XXXX   2017, I  applied for pre-approval for an auto loan from my bank, USAA. I was preapproved for a range from {$40000.00} - {$6000.00}. Right on the web site it said that this was only a preapproval and I was not guaranteed any specific amount until I selected a vehicle and finalized the loan with a USAA loan officer while I was at the dealership. The next day  XXXX   XXXX     2017, I did  every step that USAA said to do, went to the dealership, and finished by talking on the phone with a lady who represented herself as  a USAA loan officer whi le sitting at the dealership. I gave the loan officer the VIN number of the vehicle, permission to pull my credit report, and all the other information she requested. At the end of the conversation she guaranteed me a final loan amo unt ( {$43000.00} ),   term ( 84 mon ths ), and rate ( 3.8 4 % ). I asked her to confirm the rate and term several times in front  of the dealership financial manager. Based on the guaranteed rate and term provided by the USAA Loan Officer, I closed the deal and purchased the vehicle. After four days ( when it is too late to return the vehicle without penalty ), USAA sent me a document entitled " Addendum to Note, Disclosure, and Security Agreement, '' with a completely different rate and term than the ones I had finalized with the " Loan Officer. '' I immediately called USAA, and they refused to adjust the rate and term to the one agreed to by their representative, because they said I had already agreed to a rate and term the night before I went to the dealership, and the " Loan Officer '' had no authority to supersede that on the phone. I understood the work I had done the night before to be a preliminary preapproval and that the loan terms would be finalized on the phone with the USAA Loan Officer just as we did. Otherwise, what would be the point of the phone call? I believe this to be a fraudulent, " Bait-and-Switch '' tactic to switch people into whatever rate and term are most advantageous to USAA after the loan has been negotiated.