davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

This is as a follow up to CFPB complaint XXXX. 

On XX/XX/, I made a principal-only payment of {$80000.00}, as well as my regular XX/XX/XXXX payment of XXXX to my original loan servicer, XXXX XXXX XXXX  XXXX These payments reduced my unpaid principal balance from XXXX to XXXX. 
I have a payoff statement, a payment history statement, as well as personal correspondence from XXXX XXXXXXXX XXXX XXXXXXXX XXXX office proving my principal reduction was applied on XX/XX/XXXX. 

My loan was subsequently transferred to Nationstar/MrCooper. 

It appears that because XXXX XXXXXXXX XXXX  wanted to expedite the transfer of my loan, they did not wire my principal reduction to Nationstar/MrCooper until XX/XX/XXXX. 

Therefore in Nationstar/MrCoopers eyes, my principal reduction did not take effect until XX/XX/XXXX. And, on XX/XX/XXXX, I was charged an entire month of 7 % APR interest on my {$80000.00} payment! 

7 % of {$80000.00} is {$5600.00}, and one months worth of interest is {$460.00}. That is {$460.00} that Mr. Cooper is cheating me out of, by not honoring my XXXX payment date.
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

My Comenity Bealls credit card has a payment due date on the XXXX of the month. I always pay the statement balance on the XXXX. On XX/XX/XXXX I paid my statement balance of {$43.00} at XXXX  XXXX. When I received my XXXX statement I had been charged a {$27.00} late fee. I immediately called Comenity to ask why. I was told that the payment had to be made on the XXXX by XXXX. I responded that the payment was made on the XXXX when it was due and it's not anywhere where the due date is located that it has to be made by XXXX. Well, she hung up on me so I called back the next day and got the same answer from a different person who told me that on the back of the statement in tiny print that phone payments must be made by XXXX. I wrote a letter of dispute to Comenity and mailed out my XXXX payment of the new balance of {$49.00} minus the late fee of {$27.00} on XX/XX/year>. On XX/XX/XXXX I received a reply from Comenity stating that I will be receiving billing statements until the balance is paid in full and at my request closed the account and also reported me to the 4 different credit bureaus. Seeing that the XXXX is my payment due date, I reluctantly went to the Bealls store in person to pay my {$27.00} late fee. The tiny print on the back of the statement states that you can pay your bill on your due date at the store until it closes. If I had made a phone payment I would have been charged another late fee and more than likely interest.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 Bank of America concluded no fraud was conducted on my account and I was instructed to consult the bank I had funds transferred to. Prior to this fraud had occurred on my account in XXXX XXXX the amount of {$2900.00}. 

This determination was made with no evidence of account history nor was it released to me when I requested to multiple times. I have tried to consult with their claims department, however they say that once the determination has been made there is no disputing it or otherwise.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TX)

I used a promotion for US Bank and opened a business checking account using promotion code. As per the promotion - I was suppose to get {$300.00}. I fulfilled all the terms and conditions. But no {$300.00} cash back was provided even after the terms and conditions fulfilled. I called US Bank today and after being on the phone for XXXX minutes ... I was told some research/investigation needs to be done and then may be cash back bonus will be provided.
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (PA)

XXXX AKA XXXX charged me a {$47.00} late fee. They dragged their feet for over 2 months answering a question about my payments, and completely botched my escrow payment and subsequent re-calculation of my mortgage payment. I contacted them on XX/XX/2020. They replied to me on XX/XX/2020. I paid an escrow payment of {$1600.00} on XX/XX/2020, which should have re-calculated my mortgage payment for XX/XX/2020, but they dragged their feet. The reason why the mortgage payment increased in the first place was because of the escrow shortage, which I paid before the late fee deadline, but AIMLoan late fee charged me anyway. The only thing they are good at is dropping phone calls after I spent hours on the phone with them, and charging people late payments. 
I lost way too much time here, and I demand my {$47.00} back, and a written apology for taking more than 2 months to acknowledge my existence, and wasting my time on dropped phone calls with customer service. 
Instead of rewarding me for always paying on time from day 1, before and during Covid, they charge me with a late fee.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

I was trying to maintain good credit history they stated if I pay the balance in full they would remove it from my credit. Balance is a charge off that has been paid to the original issuer of credit XXXX XXXX. This account has been sold to a few different collection company and each company repost it on my credit report. Even with that knowledge I still paid the balance that that said I owed thinking it would clear up that matter so I could move forward. I reach out to them and they said its nothing they can do to clear up this matter. It is still having a negative impact on my consumer report.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a XXXX card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I spoke with someone Saturday @ XXXX XXXX  regarding this matter. he said he would send it to my email its been days and he haven't I took the steps he recommended and got an ftc report. He said he would send it to a address on file name XXXX which I never stayed at that address is not even tied to none of my credit reports or accounts reporting on file. So he said I would send it to your email he never did. And I have that call on recording. This account is fraud and im requesting immediate removal of this account. As the information you guys are reporting is not accurate. And if so if you believe this is me please provide copies of id, social and a copy of the contract / application that i signed which I know i never had also provide me with footage of this.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

All three credit bureaus, XXXX, XXXX, and Experian have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

All three credit bureaus, XXXX, Equifax, and XXXX  have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

A money transfer was unsuccessful due do to XXXX not accepting funds and demand that was sent they only accept a victim only accept direct deposit or ACH from a bank account account request for refund from Western Union who refuses From the transaction fee in a multiple {$16.00} portraits action there was 3 transactions I received email stating that I would receive the complete refund transaction plus plus money transfer amounts but I have not what's the name of your feet what's the need to be fuses to assist assist customer service representatives hang up the phone I'll keep you on hold for 3 hours waiting for waiting for resolution that That's not happened
Consumer complaint received 2021-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (KY)

On XX/XX/2020 someone fraudulently opened a account in my name with XXXX XXXX. I was told its a cable bill. Im on XXXX and live with family so I wouldnt have opened a cable account myself. I contacted the collections company to attempt to have it removed IC systems on XX/XX/XXXX and again on XX/XX/XXXX. The collection company IC Systems states that this bill belongs to me and they are going to sue me to collect a debt in the amount of {$250.00} with XXXX XXXX. This is not my account. I never opened the account. It was fraudulently opened by someone other than myself and I would like it removed from the credit bureaus immediately.
Consumer complaint received 2022-01-14
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 (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. CAPITAL ONE ***** Opened date : XX/XX/XXXX Balance {$140.00}, CAPITAL ONE BANK USA ***** Opened Date XX/XX/XXXX Balance {$130.00} ) I do not believe I was late on the dates you are reporting ( XX/XX/XXXX ). Please report the payment status positive and update all late from reporting on this account.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MT)

I received a call from a number identified as Wells Fargo Bank. The number was XXXX. I did confirm the phone number, but they never initiated a call. 
The caller said that a XXXX XXXX at XXXX XXXX XXXX in XXXX Fl tried to open a credit card in my name. I have never heard of this person and have no friends or relatives in Florida. I informed the caller that it was a bogus application. The caller then transferred me to the Consumer Financial Protection Bureau. They attempted to get my personal information and my credit card numbers. I did not give them my SS number, They already had my address in XXXX, MT. When i hesitated about giving them information they terminated the call. They gave me a call back number of XXXX. The representative who said they were from the CFPB identified herself as XXXX XXXX. They said the case number that they said they filed with your agency is XXXX. I have advised the Wells Fargo Branch in XXXX of this call. The initial call came to me at XXXXXXXX XXXX  on XX/XX/2024.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (GA)

To Whom It May Concern, I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you investigate this matter and make the necessary corrections to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have thoroughly reviewed my credit card statements and records, and I can affirm that all payments were made on time within the designated grace period as stipulated by my credit card agreement. Therefore, I believe that the reported late payments are inaccurate and should be rectified in accordance with the law. 

As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into the late payment entries on my credit report. During this investigation, I urge you to consider the provisions outlined in 15 USC 1666b ( a ), which clearly state that late payments should not be applied to credit card accounts under open-end consumer credit plans. 
Please be aware that the inaccurate reporting of late payments on my credit report has had a detrimental impact on my credit worthiness and financial standing. I trust that you will handle this matter with urgency and attention to detail that it deserves.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Paypal Holdings, Inc (CA)

I don t understand why PayPal makes it so extremely difficult for a consumer to find out what amount ( finance charge ) they are charging each month. Today I was on the phone for an hour. I spoke to XXXX people and one was a supervisor named XXXX. I was transfered twice. Neither person understood what I meant. I kept saying the same thing over and over. I used XXXX XXXX as an example. I can see very clearly what they are charging me each month. I then spoke to a supervisor, XXXX, and he did not understand. He said the words finance charge was a vague term. I repeated his words back to him in disbelief. I XXXX the description and read it to him. He wanted to transfer me again ( which would have been the XXXX Person ), but of course they were then closed for the day. I can not find the amount on my statement. This same thing has happened with them before. They just transfer the call, they dont understand, the call is disconnected, then they close for the day. I am trying to balance and understand my account. Last month I finally got someone that told me I was charged about {$85.00}. I spoke to different people due to getting transferred and finally said I was going to report them. Please help me. I dont know what else to do. Thank you.
Consumer complaint received 2024-03-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VT)

We received the Vanillagift card as a XXXX gift with {$100.00} on it. It came with the activation receipt from the XXXX store. We attempted to use it for an online purchase with " insufficient funds '' resulting. Then I attempted to use it in a winery, at XXXX XXXX, at XXXXXXXX XXXX, and at XXXX. All said declined. I have called the customer service number on the back of the card but can not get through to a person. I checked the balance which said it was active with {$100.00}. I sent the company a message on XXXX with no response. I went to the XXXX store and asked about returning it. They called the customer service number and and told me there is nothing they can do because it says it is active with {$100.00}. I set up a pin on the customer call and attempted to use the card both as credit and as debit with the pin, but it was still denied.
Consumer complaint received 2023-06-16
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC (CA)

XXXX sent multiple correspondences insinuating they were part of the XXXX XXXX XXXXXXXX XXXX or that the documents were part of the courts. If this is an attempt to collect an alleged debt, there has been no proper notification or debt validation notice. These deceptive practices have caused XXXX distress and undue XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP. 
See the documents attached.
Consumer complaint received 2024-03-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sunbit, Inc. (GA)

Complaint Against TAB/SUNBIT for Failure to Respond to Debt Validation Letter. 

Dear Sir/Madam, I am writing to file a formal complaint against TAB/SUNBIT for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, TAB/SUNBIT has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided TAB/SUNBIT with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, TAB/SUNBIT has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that TAB/SUNBIT fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 



Please find enclosed a copy of my original debt validation letter sent to TAB/SUNBIT for your reference. 

Thank you for your attention to this matter.