davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC (VA)

I made a mortgage payment through Reliance First Capital web site on XX/XX/2019 for {$1700.00}. The payment was sent by my bank and then pulled back. I contacted XXXX XXXX about the issue they told me I had the funds for this transaction but they did not know why it was returned. I went back to Reliance First Capital 's web site on XXXX-19 to complete another payment request. The Reliancefirstcapital.com web site is not secure. I tried on both XXXX XXXX and XXXX. Both said that their site was not secure and information could be stolen. I believe that is why the first transaction was canceled, because the connection was not secure. I called Reliance First Capital and spoke with a representative named XXXX. She acknowledged that Reliance First Capital was  having problems with their web site and they were working on it. She said she could take a payment over the phone but there is a {$9.00} fee. I said the fee should be waived if you are having technical difficulties processing normal payments. She said they could not waive the fee. I ended up making a payment over the phone because I could not make it after many attempts on their web site. They should refund the {$9.00} fee because the problem is on their end.
Consumer complaint received 2019-02-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Express, LLC (TN)

My husband and I had a payday check loan with XXXX XXXX in XXXX. I went to pay Monday like I do every month and there was a sign on the door. Said to go to Cash Express, so I went there. I tried to pay my XXXX fee like I have every month and was told I had to have the full XXXX. I told them XXXX XXXX never made me do that and they said the girl was fired for just taking the fee at XXXX XXXX I called that girl and she wasn't fired. They sold my accounts to Cash Express and she didn't even know they was selling the company. The owner of XXXX XXXX  always took just my XXXX and renewed the loan. I don't have XXXX for mine and XXXX for my husband 's account. I signed contract with XXXX XXXX not Cash Express. I'm not paying this loan anymore. My daughter looked up laws and said TN does not allow renewals or rollover loans and that I shouldn't be responsible for the debt since it's always been renewed and I never took in XXXX I just took XXXX in once a month.
Consumer complaint received 2024-12-06
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 (FL)

It was a fraud transaction on XX/XX/year> of the amount of XXXX, international transaction XXXX XXXX XXXX, XXXX XXXX, which I never authorized, someone got access to my online banking ( which was not really protected by bank ) Wells Fargo bank, personal checking account. I called the bank the same day and reported fraud, the amount was reimbursement to me within 3 days. 2.5 months later Wells Fargo bank withdraw again this amount and denied the claim, explaining this decision that their investigation has shown I authorized this transition.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: GVA Holdings, LLC (SC)

XX/XX/year> RE : Cash Advance Now Open Date : XX/XX/year> Balance Due : XXXX Hello XXXX XXXX, We have been trying to contact you regarding a past due balance in the amount of {$1000.00}. 

We believe, our customers if given an opportunity, would like to resolve their account. 

Choose the link below that would allow us to serve you best. 

I would like to pay my account in full I would like to propose a payment plan on my account I would like to propose a one-time reduced payment I need more information about the account I am enrolled with a Debt Settlement company I am represented by an attorney If you prefer you may contact our office at XXXX Sincerely, Cash Advance Now XXXX XXXX XXXXXXXX XXXX XXXX XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. 





Unsubscribe This message was sent to XXXX from XXXX Cash Advance Now XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Utah System of Higher Education (NC)

I have repeatedly submitted deferment request for military service from XX/XX/2018 -XX/XX/2018 and XXXX  continues to deny every request. 
I have uploaded copies of my XXXX  and have even gotten XXXX XXXX endorsement that I was on military XXXX  away from my normal location. 

___ I have also submitted multiple deferment requests for being unemployed since XX/XX/2018 - which have also been denied. 

The company posts Denial letters where the reason for denial section is BLANK. Email responses from the company state that I did not qualify, despite XXXX XXXX endorsement on the request form!
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Mortgage was transferred to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, Ca XXXX. Mortgage payment is due XXXX of month. I sent payment by automatic transfer from my bank on the XX/XX/2019.0n XX/XX/XXXX a statement was sent saying my next payment would be due XX/XX/XXXX19 for XXXX and XXXX payments.Icalled them and they said payment was received by them on XX/XX/XXXX and to disregard letter. I complained to them that electronic transfer was received on the XXXX when I sent it and they hadnt bothered to record it until the XXXX. That same day I spoke to them I received another notice dated XX/XX/XXXX that said my mortgage was delinquent and I owed not the {$1700.00} payment but {$1800.00}. Please help. Thank you XXXX XXXX
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have communicated with the creditor several times in reference to an account ( s ) that has been opened under my name fraudulently. On XX/XX/20 upon the request of the creditor, I supplied Bank of America N.A, and all CRAs ( credit reporting agencies ) a copy of Identity Theft reports and an explanation outlining the Identity Theft and misuse of personal information. The creditor has been reluctant to investigate and has misled me in several occasions while in communication with their customer service and/or fraud department. The credit reporting agencies have stated that the creditor has " verified the information '' yet has failed to substantiate my request for documentation.
Consumer complaint received 2020-08-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I filed a dispute with Experian on XX/XX/2020. I never heard anything from experian stating that they received my dispute nor did I receive a response saying that they investigated my dispute. I has been well past the 45 days. I have the letter attached to this complaint.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TX)

I became aware by checking my bank statement. I did not make these particular charges. I am unable to contact XXXX to dispute or access on line account to provide billing information as requested by Regions due to Covid. When I became aware I tried to contact XXXX and was # XXXX on hold and since then havent been able to contact anyone. They have on line help from a Robot and it doesnt help me with my concern. Regions Bank told me since I purchased the package before then they cant refund my money. I advise them I did purchase the XXXX package only once and that was for my son 's birthday. He is XXXX and XXXX  XXXX, so I have to make all transactions. In addition, a two party authorization is set up and required before the purchase and you get an email afterwards ( neither of which I received ). My card was compromised and that is why I filed a claim and closed that card out. I have been speaking with Regions for months and all I am being told is they will file complaint with their Complaint Dept. With COVID and my relatives being misplaced due to Hurricane Laura there is no way I can afford not to get my money back for services I DID NOT use. I also filed a police report with XXXX XXXX Sheriffs dept. 
XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202 XXXX XXXX XX/XX/2020 XXXX all with same transaction id of XXXX
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

InXX/XX/XXXX, we traded in a vehicle that had been financed with NC SECU. Despite that, they reported our loan as delinquent from XXXXXX/XX/XXXX, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked SECU to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX has continued to incorrectly report to each of the credit bureaus ( XXXX, Experian, XXXX ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX has continued to incorrectly report to each of the credit bureaus ( Equifax, XXXX, XXXX  ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.
Consumer complaint received 2021-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

On XX/XX/2020 Navient tells me that my loans are not eligible for being halted. They say that since the loan is owned by Navient that it is not eligible for the new federal suspension of payments. 

My loan was originally a Federal Loan when acquired for University of Wisconsin. Then along the way a few years after college was behind me, my loans were sold to Navient. 

Navient now tells me Im not eligible for the federal protection even though my loans are still technically a federal loans, only not eligible because Navient owns them as a third party. 

The worst part of this all is. Im a healthcare worker literally in an ED on the front lines at a hospital in XXXX. I havent gotten a break or weeks off during COVID. Ive been working with patients. Navient has found a loophole to not follow the executive order and they are exploiting me and others. 

I was even a class member of a class action lawsuit against Navient and the outcome was increased oversight. Now Im being told Im not eligible for federal protections. All roads lead to nowhere with Navient. 

Ive been laying this loan for 20 years and still owe {$13000.00}. Please Help
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

They say I have 2 late payments from 2017 that is really impacting my credit score. I have been in good standings with them for years and haven't been late with any accounts on my credit. I've called XXXX, they won't do anything about it and said it won't fall off until 7-10years And I've called Transunion and they can't do anything. I was also in XXXX  XXXX   XXXX  for a few and had to study for my state exam that took me almost a year to go take due to my studying. So I was dealing with alot of financial hardship trying to get back in order to make a income.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

yesterday I got an email from capitalone saying that my account was going to be closed and they didnt wan na give me a reason why I dont really care about that but I dont have any other bank account and that capital one had all my money inside of it and I dont have any money to spend. I need money to take care of myself for transportation for food and they basically left me on my own devices.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (TX)

XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : This information is being sent directly thru me. I have provided all of the needed Identification documents that Experian requires pertaining to ID Theft requirements.

This complaint needs to be taken seriously. The certified letter was sent to Experian by me.

Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute. Your lack of immediate response clearly violates my rights according to 605B. I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. Transunion has deleted the reported information, and blocked the reporting of these from my current report. XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX ATTACHMENTS IDTheftReport.pdf ( 140.1 KB ) DL.pdf ( 83.1 KB ) pdf-0089-fcra-605b.pdf ( 65.5 KB ) Experian fraud.odt ( 12.5 KB )
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my XXXX Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how youve improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

transunion has reporting a negative item on my credit for the last few months, and i have tried to work with them concerning ( XXXX XXXX XXXX ), the account should be open and they has it reporting closed. i still have the automobile and are paying notes on my car that i purchase in XX/XX/2017.Please help me in resolving this matter
Consumer complaint received 2019-02-26
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. (GA)

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MO)

Me and my wife deposited a check of $ XXXX it was are tax refund we had it filled through a tax place the bank tells is us at the branch with us XXXX MO that there was a 5 day hold on the check then when that monday roles around me and my wife know we had money in are account my wife went to us her card to find out that the accounts had a - amount of what the check is we call the bank to find out that there found department put a hold on the check for 7 days witch is 2days more then what they said so Tuesday come around and the money is back in are account and the check is stell on hold so I call today to speek with some one to see if the can release the hold on the check becuase know sometime the can if the funds have been tranfered so I call at XXXX and I got a men that said I would have to speek with there froad department we transfard me to a guy that I couldn't understand his English and I ask to speek with someone that could speek plain English and he hung up on me I didn't get his name because for one he didn't say it or I couldn't understand home so I call back at XXXX the same day and they do the same but this time there is a girl that I could Under stand named XXXX didn't tell me her last name and they sayed that if I want to get the founds releases that I would have to talk to the branch I find that a little od so I ask to speek with her manager and she tell me that she can't and well not do so and what do you know hangs up me again I call the branch and guess what they say the froud department has to do it so some one here is lieing and there custmare survice needs to be looked onto these is US BANK the branch I go through is XXXX MO there is only one bank there please do something about this
Consumer complaint received 2019-02-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (MA)

Mohela offers a .25 % interest rate reduction if you schedule auto deductions. The problem is that they withdraw the monthly even if it is not due. By way of example, if your monthly payment is {$590.00} and due on XX/XX/XXXX, but if you make the payment in full on XX/XX/XXXX, Mohela will still automatically withdraw {$590.00} on XX/XX/XXXX despite the fact it is not currently due. This double dipping is unfair to student loan borrowers.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Today received a call from an unknown number XXXX and I didn't answer it because of these robo scams that are out there ... they didn't leave a message, so I did a reverse look up on the number and it was Portfolio Debt collection. I have already sent them a cease and desist letter stating that they can no longer call me and that they definitely can't call me at work during work hours, which they just did. I filed a a complain a few years ago on this site and I thought things would stop, they did for a while. Now they keep calling me. The debt they claim to have is no where to be found on my credit report, so this needs to STOP!