davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/2022 I made a complaint about a dispute of the invested amount I need back because of the merchant bankruptcy it's been more than long enough to receive the dispute amount. I also can not make payments because my account being restrained for more than 10 business days all because I wanted to make a dispute for the invested amount the merchant owes me. I need a dispute and also my account being unrestrained I'm very disappointed.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan keeps adding late fees on my account. See call reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX told late fee would be removed - XXXX XXXX XXXX XXXX Did not know why I received fees as payment arrived 3 days after due date & within their grace period - remove fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I told him I made a {$700.00} payment in XXXX which would cover the my monthly payment of {$370.00} and then the rest must be applied to the reduced late fees, of which he said would be reduced to {$35.00} and then the remainder towards the Principal balance. ( I have OFTEN paid more than the {$370.00} monthly payment. ) - XX/XX/XXXX - XXXX who switched me to XXXX- told I still had {$70.00} in late fees! ( {$10.00} per month ) - I explained that I sent {$700.00} in XXXX XXXX XXXX, and she said she would remove {$50.00}, leaving me with {$20.00} in late fees, but then called back on XX/XX/XXXX and... 
- XX/XX/XXXX - I think she said her name was XXXX (? ) - She told me I had to pay {$50.00} in fees ( not {$20.00} ), so I should pay {$370.00} plus {$50.00} for {$420.00} total, but when I went into my portal, my balance was {$480.00}! I asked her why, told her I was going to file a complaint, asked her for the spelling of her name, and then she disconnected our call. 
XXXX XXXX  - called back and spoke to XXXX - very helpful lady, but she is telling me I have to pay {$50.00} in late fees ( OUTRAGEOUS ) & I have a shortfall of {$50.00}. HOW can I have a shortfall? No one there knows why ... .unbelievable! 

I need your help. Nissan Finance is the most outrageous financial institution I have ever dealt with. They impose late fees, they don't know why, you pay monthly ( often more than what is owed to get rid of Principal balance ), they misapply money and give misinformation. 

I do NOT owe them {$50.00} in late fees & {$50.00} shortfall. I have to pay the {$480.00} by XX/XX/XXXX because I'm scared they will tack on MORE fees. 
Dealing with their customer service team is a nightmare because they give out misinformation and contradict one another. 

Please let me know if you can help me or, if not, where I should go for help. 
Thank you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (NC)

THE FOLLOWING COMPANIES WERE REACHED OUT TO ASKING FOR VALIDATION OF ACCOUNTS AND I HAVE NOT RECEIVEDANY RESPONSE : XXXX, XXXX, AND XXXX. THEY ARE REPORTING THESE ACCOUNTS ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF ANY OF THESE AND AM A VICTIM OF IDENTITY THEFT. 

XXXX XXXX {$14000.00} XXXX XXXX {$1800.00} XXXX XXXX {$1000.00}, {$1200.00} XXXX XXXX {$1800.00} XXXX XXXX {$7400.00} XXXX XXXX {$13000.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (NC)

THE FOLLOWING COMPANIES WERE REACHED OUT TO ASKING FOR VALIDATION OF ACCOUNTS AND I HAVE NOT RECEIVEDANY RESPONSE : XXXX, XXXX, AND XXXX. THEY ARE REPORTING THESE ACCOUNTS ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF ANY OF THESE AND AM A VICTIM OF IDENTITY THEFT. 

EXETER FINANCE {$14000.00} XXXX XXXX  {$1800.00} XXXXXXXX XXXX  {$1000.00}, {$1200.00} XXXX XXXX {$1800.00} XXXX XXXX  {$7400.00} XXXX XXXX {$13000.00}
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

To whom it may concern, My name is and I am a customer of yours, account number, in XX/XX/XXXX My wife and I had entered chapter XXXX bankruptcy due to overspending and being heavily in debt. We never missed a payment but realized that we were not getting ahead. When our case was filed, the courts ordered an escrow analysis on our account. When the results came in it was noted that our account was short the cushion that is required, so in turn raised our payment to accommodate the shortage. We were never mailed said analysis nor were we notified. Even after the analysis was done, we received a statement with our old amounts on it even after the date was given on the analysis said they would raise. When we finalized our case and signed all the paperwork, we did not notice the raise in our payment. So, we continued to pay the old amount for 48 months. If we would have received an analysis, or if would have been sent to the courts or my attorney, the next year I could have adjusted my payments then I would not be in this predicament. 
In XX/XX/XXXX we received a statement with all the numbers on when that hadnt been the case before due to the federal law and the new changes. After reviewing the statement, I noticed that we had what was called monies in suspension so I inquired about this and that is when I found out about the arrearages. I instructed my Wife, who pays the bills in my house as with most households to start paying a little extra on top of the new amount. So, we proceeded to do so for the 12 or so months. 
In XX/XX/XXXX I pursued this matter even more and started to do my own digging and concluded that your company has not done an analysis for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After many phone calls to your customer service dept. We finally realized this, however no one in the department would or could not answer the reason why. So, the person I was dealing with expedited an analysis for XX/XX/XXXX and the previous years however those years were not performed. 
I have been calling about this matter for 2 months now, if not every morning but close to it. I have reached the customer care person, the escrow person the director of that division and so on. 
After receiving the payment history from my insurance company and my property taxes and performing my own analysis there are some discrepancies that need to be addressed. 
Bankruptcy is stressful enough but the process of getting this straight is very taxing. And all I want is when I come out of Bankruptcy in XX/XX/XXXX that it is a smooth transition and I can move forward without any further blemishes on my credit report. 
I am writing this letter for your assistance in this matter as I am not getting anywhere with the customer service, I keep calling every day. I am a man that if I owe, I will pay but you must give me proper documentation stating so. 
Thank You
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (WA)

Good Evening, I 'm XXXX and I am writing in response to the Navient student loan legal concern. I recall being encouraged to take out a forbearance due to my financial situation. During this time I was trying to work to support my XXXX Mother and I, my income was the sole income there was no way I could pay monthly student loan amounts, so I was offered forbearance. I was never told anything about any other options and it was n't until recently that I heard of the income contingency plan. The customer service people at Navient make you feel lower than dirt for not being able to pay your student loan monthly amount. I 've cried in bed multiple times trying to figure out how to satisfy these people to the point of a full scale XXXX XXXX. I 'm not saying I do n't want to pay them, I am saying its impossible at this time and the federal student loan forgiveness plan put forth through President Obama, should be implemented regarding private loans. I 'll never pay off my student loans and money I have struggled to send appears to be pointless for the balance continues to grow, its like trying to walk uphill during a major mud slide you 're going to get buried. Please help myself and others, and thanks for bringing this issue into the spotlight.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A+ Loans, Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violations by A+ LOANS Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against A+ LOANS for alleged debt purportedly owed to A+ LOANS, with account number XXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, A+ LOAN has failed to provide any validation information regarding the alleged debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with A+ LOANS before it was placed on my consumer report.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, A+ LOANS has violated these regulations.

Furthermore, I believe that A+ LOANS has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against A+ LOANS for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (DE)

State Collection Service was contacted by me on XX/XX/2019, regarding a {$1000.00} medical bill from XXXX XXXX. I explained the circumstances regarding the bill. I provided them with all necessary information and documentation to have the debt paid. I have requested this debt be removed from my credit reports. It has not been removed.
Consumer complaint received 2016-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have been attempting to pay off my house mortgage. For the last year I have paid large amounts of money payments toward the principal. If I missed a month I was assessed a late fee even though I was well ahead of scheduled pay off. On XXXX XXXX, 2016 I submitted a payment that covered all the money owed on the statement. XXXX XXXX, 2016 I received a statement stated I had a XXXX Balance, XXXX XXXX, 2016 I received a statement statin I owed {$140.00} and that I needed to wire the money. The XXXX XXXX, 2016 I received stated I now owed {$390.00} which included {$13.00} for a county recording fee which I understand. 
When I called customer service I could not understand the representative and asked for one that spoke English. The second representive 's English was just a bit better. When I ask her why the amount owed had risen so much she had an off line conversation and got back to 15 minutes later saying " INTEREST ''. My response was {$170.00} interest on a statement that said {$140.00} five days before. " YES INTEREST '' I requested to talk with a different Representative that could explain the bill. I received XXXX who found some issues and concluded the bill was {$170.00} today. I asked him if he would accept a check and he said yes but that it would cost me an additional {$20.00} because it was not with the same back and that I would need a little extra because the bank would hold it for 10 days. XXXX did an excellent job. 
My complaints : That the customer service personnel were not trained " INTREST '' is not an explanation as an answer. 
With the difficulty in the language barrier, I believe the Bank was hoping I would pay the additional amount instead of challenging it. 
The late fees and necessity of charging me {$20.00} for writing a check from another bank. 
After paying XXXX dollars of interest why is it necessary to make closing so hard? 
When I was force to retire 8 years early because of a loss of job this bank was the ONLY bank that would not work with me on my home mortgage and Credit Card debt.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (WA)

I need a debit card to access my XXXX funds. I'm being charged management fees. I've called XXXX times on different occasions over the past year trying to get a debit card, and every time they say they resolved the problem. I never received a debit card from any of these calls but they continue to send my statements of how they're billing me a service fee. When I've called and asked to about my case numbers or to talk to a manager, the customer service tells me that they will fix the problem and it starts over again. I've never once gotten to talk to a manager or even leave a message.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc. (IL)

I have been receiving repeating calls from this company. On Monday XX/XX/2019 @ XXXX. I advised the representative not to call my phone number, she told me if I didnt verify my identity she will continue, I told she would be breaking the law. At XXXX XXXX, I received another call from another representative. I also told this representative not to call my cell phone number again and the fact they contact me 2x after I said not to call was harassment. XX/XX/2019 at XXXX I received another phone XXXX XXXX at XXXX, I received another phone call. Ive had 2 XXXX XXXX XXXX   in XX/XX/XXXX/XX/XX/2019 and is no position to become upset or harassed. I have any documents and doctors who support this. As a person I have been harassed and also been violated. Ive asked them several times not to contact my cellphone number and they continue to contact me. Its been so many FDCPA violations made.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TN)

I was notified by XXXX credit monitoring system that Jefferson Collection LLC had reported that I was delinquent on a debt. I called them and they were dismissive and said they had sent me a letter but Ive never received a letter. They stated that I know what I owe and kept giving me options to pay.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (PA)

Some guy from XXXX Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old Citibank card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting Pursuant to Federal and FLORIDA FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am reaching out to address a serious breach concerning the unauthorized inclusion of information on my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside FLORIDA identity theft fraud laws, specifically ( insert relevant FLORIDA statutes ). 
It has come to my attention that CAPITAL ONE has engaged in the unauthorized reporting of data to my credit profile without securing my explicit consent. The FCRA unequivocally mandates that consumer consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In alignment with federal law, FLORIDA state statutes, particularly ( insert relevant FLORIDA statutes ), underscore the significance of obtaining consumer consent for credit reporting. Additionally, FLORIDA identity theft fraud laws highlight the gravity of unauthorized access and misuse of personal data. 
I assert unequivocally that I have not provided consent for CAPITAL ONE to report any information to my credit file. This absence of explicit permission constitutes a direct violation of my rights, potentially leading to harm to my creditworthiness and a clear disregard for federal and state regulations. 
I demand, with full conviction, that CAPITAL ONE immediately halt any further reporting of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant FLORIDA statutes. Failure to adhere within the allotted 30-day period will be construed as deliberate noncompliance, subject to penalties under applicable laws, including FLORIDA identity theft fraud statutes. 
I emphasize that obtaining consent is not discretionary but a legal imperative under these specific provisions of the FCRA, FLORIDA state law, and identity theft fraud statutes. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unwarranted and detrimental credit reporting practices. 
I anticipate your immediate attention to this issue and expect CAPITAL ONE to expeditiously rectify these egregious violations, respecting my rights under federal and FLORIDA laws.
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (CA)

Approximately a year ago, I uncovered that my identity had been compromised through unauthorized account opening using my personal information. Despite reporting this incident to AFFIRM and providing supporting documentation, the account in question remained on my credit report. This discovery has resurfaced my concerns about the unresolved identity theft issue. I am reaching out once again to address this matter and seek your urgent assistance in rectifying this erroneous association with my identity. Enclosed with this letter is a copy of the police report I filed when I initially discovered the identity theft. I kindly request a prompt investigation into this matter and the removal of the fraudulent account from my credit report to restore the accuracy of my financial profile. I urge your immediate attention to this serious issue and appreciate your cooperation in resolving it expediently.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I purchased two tickets with XXXX XXXX using PayPal on XX/XX/19, confirmation number XXXX and XXXX for XXXX dollar. 
The tickets were cancelled on XX/XX/XXXX and we had to purchase another sets of tickets directly with XXXX XXXX at their counter. XXXX XXXX promised a refund of XXXX dollars on XX/XX/XXXX and sent us the refund confirmation through email. The refund was promised to be returned to PayPal withi 4 weeks but we have never received it. I have submitted multiple refund request to PayPal and through XXXX   complaints with email print out and description of the events, all got declined or not responded. Extremely disappointed and angry at PayPal especially that this XXXX is important to us during this difficult time. Shocked by how ethical this company is. 

PayPal dispute case number - XXXX We filed a case dispute on XX/XX/XXXX regarding a missing credit from XXXX XXXX. PayPal did not even read my submitted documents carefully and denied The case without giving me way to reopen it.