davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
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)

EXPERIAN PUT BACK A STUDENT LOAN UNDER ANOTHER NAME FTC REPORTED 1 YEAR AGO ALL FTC VIOLATIONS FTC DEEMED TO BE IN VIOLATIONS AS LISTED : XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute
Consumer complaint received 2020-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

I reviewed my car loan contract and the contract I signed did not EXPLAIN how my payments would be applied if late. When they apply the payments there are no guidelines to follow. It simply says on the contract they applied them how they see fit. I reviewed my payments and realized I paid XXXX some months and for more than a year. They never applied any payments to interest. When I call and ask for a description of why they never applied such large payments to the principle they could not give sufficient explaination, they simply applied it to what the called the interest. In this case the consumer never knowing how much interest they are paying and what is it based on. I figure my interest should be now around 6 dollars a day and if late 2 days, the ADDITIONAL interest should only be at XXXX dollars a day. Remember the amortization schedule includes the principle and interest.Exerter ignores the schedule and applies the payments to a falsly calculated interest bucket that doesn't take into account the schedule. Exeter finance is in breach of the truth in lending act. They need to re review my loan and all of its customers for the miscalculated interest. And also pay fines for not presenting a fair and legal contract.
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (KY)

For the past four days ( XXXX XXXX, 2020 ) I have been trying to use XXXX to transfer money ( USD to XXXX  ) from my PNC account to my fiance 's XXXX bank account via bank debit ( ACH ). I have done this several times before with no problems, but now it keeps saying that XXXX is " having connectivity issues with PNC '' and I have not been able to transfer the money. This is becoming a huge problem and my continued attempts to try to straighten it out via the PNC website have only resulted in wasted time and continuous prompting to use a third party app I have never heard of before to do an external transfer.
Consumer complaint received 2020-06-03
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. (PA)

I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. XXXX ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.
Consumer complaint received 2020-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, Bank of America overdrafted my account by charging {$760.00} dollars for a check written for {$76.00}. BOA kept my account overcharged for a week plus overdraft fee.. BOA allowed XXXX XXXX to submit an ach withdrawal for an incorrect amount resulting in my account being overdrawn and having to borrow money from parents. I called boa several times but was met with indifference and told me it would be corrected over time. But I had no money for groceries. I had to borrow {$800.00} from my father causing me embarrassment and emotional distress for one week. BOA Has since corrected the charge but there has been no apology no reimbursement Offered for Having to borrow money.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Renew Financial Holdings Inc (CA)

I applied for financing through XXXX and was denied for " Delinquent property taxes within last 3 years '' on my XXXX  XXXX consumer credit report. 

I checked my XXXX  credit report and there is no reference to delinquent property taxes because I've never been delinquent. 

I attempted to file a complaint via XXXX, however, there is no way to submit a complaint regarding Property Taxes. 

I believe the information provided to the lender was inaccurate and resulted in my denial to critically needed financing. 

Thank you!
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I have had my Citi XXXX  XXXX Card for 3-4 years if not longer. At the beginning of the pandemic, I called Citi to see what programs they were offering to Americans in lieu of the pandemic. Around XXXX XXXX, Citi informed me there were no programs yet that had been put into place. They told me to call back daily since everything was continuously changing. Fair enough, so I did. I called back whenever my work and XXXX XXXX schedule allowed. Each phone call required at least me being on the phone for up to an hour. Finally, on my 3rd phone call near the end of XXXX, Citi told me they would allow delayed payments up to 30 days and would waive all late fees and penalties incurred. Citi proceeded to tell me that for better offers and more relief to call a 1-800 number which they provided. I called this number and had to wait over 2 hours only to be told that there was nothing Citi could do and they did not understand why their representatives were giving out this number. This was very discouraging. I took advantage, or thought I was, of Citis delayed 30-day payment offer. Once the 30 days was approaching, I decided to check my account via my phone app to find out that Citi had ONLY waived the late fee I would incur had my payment been considered late. They even showed a late charge being applied to my account and then Citi refunding the late charge, BUT my account continued to incur interest charges. This made absolutely no sense to me. How do you delay my payments but continue to charge interest? I had a stellar account history with Citi, so this struck me as odd and unhelpful whatsoever. Immediately, I called Citi inquiring about the delayed payment program they had offered. I asked how this program was even slightly beneficial if interest continued to accrue under their offer? Citi informed me that they had waived my late fees. Yes, late fees I would NEVER incur had I not taken advantage of their so-called offer. So, again, what benefit was there for me the consumer? NONE. Considering I have a low balance, Ive decided to pay the full balance in two payments, but what relief are these super rich companies providing the American public? And what government bailouts are they reaping? Yet they refuse to help their customers! I am very frustrated with the limited so-called help Citi is currently providing.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CITIBANK, N.A. (FL)

Hello to whom it may concern Im a customer of citi card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX  university XXXX Florida . Im a working class so I believe Im being discriminated against, then citi card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.
Consumer complaint received 2022-02-15
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. (WI)

I was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for two thousand dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (OR)

Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 XXXX XXXX  sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/2022 ALLY sent a letter stating they can not issue credit for my request of FINANCING FOR SERVICES AND/OR PRODUCTS. I never applied for this. 
XXXX XXXX XXXX RETAIL CREDIT was unable to approve my application. I never applied for this either. 
XXXX informed online they sent me to collections. I was frauded on XXXX, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

This involves Fifth Third Bank and XXXX XXXX in XXXX, Texas. Our Automobile was totaled and we had Gap insurance. The gap insurance paid their amount however XXXX XXXX did not pay their share of the bill. Accordingly the bill kept appearing in the mail that we owed {$1300.00}. We called XXXX XXXX and told them that they have to pay the remaining amount due to Fifth Third Bank. They acknowledged that they will in fact pay it. In the meantime the bills kept coming to our address and we kept calling XXXX XXXX and telling them that they still need to pay the bill. They kept saying that they will take care of it. However come to find out that because of this Covid-19 situation they never got around to paying it. In the meantime the bills kept coming and finally I noticed that Fifth Third Bank was turning us in the credit agencies that we have late payment on record. XXXX to be precise. This took my credit from a XXXX down to the high 600 's. Finally XXXX XXXX payed the bill but in the mean time my credit score is terrible now. 

My objection here is that somebody needs to fix my credit score and take those three late payment off my record. If you check my record you will see that it's clean with the exception of these 3 late payment. My social security number is : XXXX. Please check. 

Regards, XXXX XXXX -- Co XXXX XXXX XXXX -- Car Owner Thank you in advance. 
XXXX
Consumer complaint received 2020-05-25
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. (VA)

Every month when I make my payment, I choose the Custom Pay option and pay the minimum on one loan and an overpayment on the other in an attempt to pay it off faster. I have kept track of my payment amounts and balance amounts since XX/XX/XXXX though I have been doing it this way for much longer than that ). Every month when I would log in to pay, I viewed the balance information and noticed that they consistently disregarded how I wanted the extra money to be allocated. I called on XX/XX/XXXX to discuss. The rep told me that she recommended that I make the minimum payment then log back in after several days to make an additional payment, which is ridiculous. Why have the Custom Pay option if it must be done that way? She also said she would put in a ticket to have the payments fixed from XX/XX/XXXX going forward ( since thats how long my records went back to show how much was being allocated to each loan ). I never heard anything else from them regarding this. The payments were never fixed. I continue to pay this way and each month they seem to disregard how I want that extra money allocated.
Consumer complaint received 2020-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (CA)

I purchased an item for {$450.00} approximately from an online store offering 3 months same as cash payments. However when I was unable to pay off the loan in 3 months, a monthly payment of {$49.00} started occuring out of my bank account. Assuming there will most likely be a higher than normal interest rate ( 20-30 % ) I did not make a big deal of it and let the payments continue. The payments have continued from XXXX to present. Since i've made almost {$400.00} in payments, i logged in to their website to check what remains of my balance. I was surprised to see that i still owed {$480.00} and each month 's payment, only $ XXXX {$11.00} was applied to the principal. According to my calculations, this interest they are charging is close to if not 100 %. I never agreed to such a ridiculous rate and consider this predatory. There have been no attempts to contact me other than emails telling me when the payments would be debited. This is predatory lending.
Consumer complaint received 2020-05-18
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: Nelnet, Inc. (CA)

Thank you CFPB for your time and help in this matter. 

I'm here to report that Nelnet is in violation of the laws of the FCRA. 

They are report inaccuracies into late payments to the credit bureaus. 

Also these accounts was transfered and closed but reported multiple late payments after the fact. 

These are 8 different violations
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I applied the Citi XXXX+ XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX Rewards bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX  points. I have tried to contact Citi customer service via online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see attached.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days

, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications w
ith XXXX XXXX, Equifax, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TX)

This debt originally started with XXXX XXXX XXXX in early 2018. After using high pressured tactics to buy this property, {$15000.00} was financed with XXXX and {$19000.00} financed with PayPal with no payment for 6 months. Their decision to approve this loan was based on credit score and not on income. Our agent emphasized what a great investment this property in XXXX XXXX was for us as well as my children. My husband and I went home and after processing and mentally rethinking, I called the agent on several occasions about the upcoming debt with PayPal to discuss selling this property or give us any advice he could provide since he had given me his personal cell phone number in case I had any questions or concerns. He never returned my calls. I even attended a third free holiday weekend in search of our agent and to my surprise was informed that he no longer worked for XXXX. I mentioned that had read about several law suits pending against XXXX, his reply was what is a few law suits against a company as big as ours. That alone led me to believe that XXXX nor PayPal did not have the consumer 's best interest but only in making the sale. They introduced me to another agent who also tried to high pressured me into upgrading even more. After numerous attempts of coercing me into upgrading, the agent walked off stating that I was wasting her time. I left in total disgust. I started receiving PayPal delinquent notices, then telephone calls and notices from XXXX XXXX XXXX. XXXX., a debt collection agency, Synchrony Bank , and XXXX XXXX In XX/XX/2018 I refinanced my home to payoff all outstanding debt on the credit report only to find out PayPal was not listed. XXXX was paid in full with the exception of outstanding maintenance fees. I hired XXXX XXXX in XXXX and obtained a deed in lieu of foreclosure. XXXX stated that they did not work with third parties therefore, could not help me with PayPal. My dispute is how am I still owing for a property that I was highly pressured and coerced into signing and never used or visited said property? At about the same time I received a title from XXXX XXXX with a deed of Trust, PayPal and the other collection agencies listed above have not reported this loan to the three credit bureaus and it has never reflected on my credit report. I have an excellent credit rating and worked very hard to keep it this way.I am attaching documents that should be useful, as of this date, XX/XX/XXXX I have yet to hear or receive any collection calls or notices.
Consumer complaint received 2020-02-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (WA)

In XX/XX/XXXX I noticed our escrow account was almost twice the balance required. I called the company and requested a refund of the excess and was told it would happen automatically that month. When I received no refund in XXXX, I called again on XX/XX/XXXX and was told they would request an escrow review and the refund would be sent within 10 days. By XXXX, still no refund had been received. I called the company again and was told someone from that department would be in contact with me. I never heard from anyone. I called yet again in XXXX and spoke with a gal named XXXX, who said her agent number was XXXX. She said she could see the refund had been approved and that it was being mailed on XX/XX/XXXX. It is has been 9 days since XX/XX/XXXX and still we have not received a refund. I called the company again today ( XX/XX/XXXX ) and was told the check was mailed today. I do not believe them. Can you please help us or let us know how we can take some action against this company to get our funds?
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched USAA Confirmation of Settlement USAA XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) USAA HAS DESTROYED MY CREDIT FOR YEARS. USAA COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX  XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

In previous complaint XXXX. Referring to the company freedom mortgage purposely switching names on the loan without consent of either party. My name was taken off of the loan, for no reason. Someone else was placed on the loan. Which at that time I was not receiving mail, or able to even call to make a payment since my social, or name did not match what was on file. I asked for the payments to be placed on the end of the loan to make it current which did not happen. Now I am unable to make a payment since I am so far behind due to Freedom mortgages mistake. They want all of the payment up front from XX/XX/XXXX when they made the mistake till XX/XX/XXXX. I have tried to make 2 payments and still can not. I would like for the mistake they made to be placed on the end if the loan. I will make XX/XX/XXXX as well as XX/XX/XXXX current from there. I have lost my job due to covid 19 and they are still trying to take my home, just like they were before. AGAIN, I HAVE TRIED TO MAKE PAYMENTS BUT YOU WILL NOT LET ME BECAUSE YOU WANT THE WHOLE THING UP FRONT!