davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CA)

Dear Sir or XXXX, My name is XXXX XXXX. We are dealing with some financial challenges. Yesterday ( XX/XX/2016 ) I requested a " corrected balance form Mercedes Benz financial Service ( XXXX ) XXXX due on monthly statement '' as follows : 1. Mercedes Benz Financial had issued a vehicle recovery and later cancelled, but this was very XXXX. 
2. Discrepancy PAYMENT DEFERRAL AGREEMENT {$780.00} approved XX/XX/2016, which was for XX/XX/XXXX and XX/XX/2016 payments. 
. Also recent payments XXXX, 2016 for {$850.00} and {$870.00}. 
XX/XX/2016.. {$850.00}. XXXX XXXX Confirmation number XXXX XXXX XXXX, 2016 ... {$870.00} XXXX XXXX confirmation number XXXX 3. There is discrepancy in statement indicated amount owed is different form payments that have been made and processed. Mercedes Benz financial still indicating our balance XXXX which is " INCORRECT ''. 
We were approved Mercedes Benz Financial Services Loan service for our vehicle a PAYMENT DEFERRAL AGREEMENT which was approved by XXXX XXXX for the XX/XX/2016 and XX/XX/2016. 
I appreciate assistance in getting corrected balance owed to avoid any potential vehicle recovery risk. See attachment Payment XXXX XXXX
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

CITI Mortgage has sent me Modification Documents for a Mortgage that I do n't want to sign at this time until my previous requests have been forwarded to XXXX and XXXX. 

This has been an ongoing challenge that I have had with CITI Mortgage since XX/XX/XXXX when offered a Trial Modification. I have most recently met the terms of 90 day Trial Modification with them and have requested that I be afforded a Modification that is currently ( was in XXXX XXXX before CITI once again foreclosed on my mortgage ) XXXX offered me which would forgive the unpaid interest and penalties. 

The communication inter-departmentally appears to be challenged. Most recently XX/XX/XXXX, I was contacted by my attorney XXXX XXXX XXXX stating that CITI Foreclosure Attorney firm, XXXX XXXX XXXX wanted to know if I was going to go along with the Trial Modification program offered by CITI. I informed XXXX XXXX XXXX that indeed I had already met the terms of repayment under the Trial Modification period as of XXXX XXXX, XXXX and apparantly CITI has not communicated this to their counsel. Most recently ( see attached documents ) I received duplicate documents from Citi 's Support specialist dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX offering more assistance to me regarding my request to Citi. I also received correspondence from a XXXX XXXX from Citi asking me to sign final modification documents. 

I believe my attached documents and emails will support my continued frustration with CITI and the handling of my modification request. I would really appreciate it if the CFPB would forward this complaint with ALL supporting documents from me and what ever CITI mortgage servicing has to both XXXX and their credit counseling representative, XXXX. 

Respectfully, XXXX XXXX XXXX Cc : XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Continental Services Group, Inc. d/b/a ConServe (IL)

I have contacted my servicer multiple times asking for information about my contract, verification of amounts which have been paid and balances but they do not respond with the requested information. They send me letters back stating they are servicers of my federal student loans and ask again what information I 'm looking for even when it is clearly noted in the multiple letters sent my certified mail.
Consumer complaint received 2016-09-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (AZ)

When I called this company to take this loan out the lady told me for XXXX $ loan it would be a XXXX $ finance charge. So I agree to that. The documents did not show that it was an 850 % interest rate and that XXXX $ finance charge was every two weeks. Interest alone nothing towards the principal. So I see this place is going to XXXX over and I called to pay XXXX $ towards the loan. So over a week passes by the money still has not come out. So I call and after talking to 3 different people who were very very hard to understand she tells me it will come out on my scheduled payment date. Not mentioning that also they will take out the XXXX $ finance charge again. So payday comes today and they take XXXX $ and I still owe XXXX $ with a finance charge of XXXX $! So in a month I 've paid XXXX $! They make it very hard to pay off the loan. And they wait so they can charge you even more money. This loan was a huge mistake and they were very misleading on how the payments worked and I was not able to see the payment schedule till after I got the loan.
Consumer complaint received 2024-10-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC (NC)

I applied to Cross Country Mortgage in order to obtain lending for purchasing a primary resident on or about XX/XX/year>. My realtor recommended a mortgage consultant who worked for Cross Country named XXXX XXXX. After working with XXXX XXXX for XXXX months and well after being approved and while actively searching for a home, XXXX XXXX announced that she was leaving Cross Country Mortgage. She informed me of a new company that she would be on board with named XXXX XXXX XXXX. She said her license hadnt transferred as of yet but would be working directly with the branch manager named XXXX XXXX over at XXXX XXXX in order to close my loan. She assured me that my rate would be lower than the 6.4 % rate that I had previously been approved for at Cross Country. XXXX continued to make promises in relation to obtaining a new loan that she couldn't keep. I was since then told that my new rate would be over 7 % .The new company materially altered these terms or failed to honor them as promised. Officially, XXXX license never transferred over to XXXX XXXX and so she wasn't privy to my personal information which she continued to access. Her company change resulted in significant delays, additional costs, and materially affected my loan terms. Her practises were deceptive and I was misrepresented by her and the two companies she represented. Afterward, I obtained new employment in the same field as a result of her delayed practices and was denied for doing so by the new company named XXXX XXXX XXXXXXXX.
Consumer complaint received 2016-05-11
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Retired at XXXX couple yrs ago. Yr ago rolled 401k to supposed conservative investment at XXXX XXXX. Lost $ XXXX first month. Couple months later went to Regions Bank on XXXX XXXX XXXX where had checking and savings. Told financial guy wanted to put $ XXXX in FDIC insured IRA like I had at XXXX XXXX. He said he had large insured IRAs paid more with variable yrs from 2 to 7 yrs up to 2.75 % only guarenteed .45 %. I asked him and branch manager sure they were FDIC insured and they said they were. They had stack of papers to sign on disclosure stuff. Split $ XXXX into 2yr, 3 yr, 4 yr, 5 yr IRAs. Several weeks later got large package in mail of documents and states all over them not insured. Went to bank and manager pulled up my account and he said my account is through there bank and insured for $ XXXX I put in bank. Looked through the original papers and found sheet they had hid in disclosure statements paper stating nothing insured. These guys lie and steal from seniors.
Consumer complaint received 2016-09-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

XXXX bought XXXX charged off hsbc nevada credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from XXXX that I signed nor, any correspondence from them regarding these XXXX old hsbc nevada credit cards.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

I have had several inquiries on my credit report that I have no knowledge of. 
I got the alerts via email and followed up with the credit bureau and was advised to fill out a complaint. 
XXXX XXXX of the inquiries are back to back XXXX on XX/XX/XXXX XXXX XXXXXXXX and Amazon And XXXXXXXX additional inquiry on XX/XX/XXXX from XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: MOHELA (MI)

My school recently closed due to misconduct, and basically false advertising, Unfortunately I completed my degree in 2010 but with no help from career services and a bunch of empty promises I am still unable to find a career in my field that pays more than XXXX an hour. I believe I was a victim in their practices especially when they started a XXXX degree program ( that was not up to par ). I was one of the first to be in the program, instructors were not prepared or not given the right tools to teach. We were promised crime scene investigations etc. what we got was reading a textbook and researching case law on google. It is an experience I wish I never had and now that they are closed what should I do?
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA and removed the charges, and sent us a letter dated XX/XX/2016m that " the fraud investigation '' " had been completed and closed, '' but some XXXX months after the original charges the charge reappeared. BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not mine. I FAXed to BofA Fraud Claims " Reconsideration '' department today a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because I will not pay for unauthorized charges, never. 

Bank of America should remove the unauthorized charges from my Visa. I will not pay for any of them they are unauthorized and the burden of proof is on BofA to prove that they were authorized, which it has not done and they were not authorized.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a certified letter last Tuesday, XX/XX/2016 that my savings and checking accounts and my son 's savings and checking accounts, which I am a co-signer, were being closed on XX/XX/2016 and that our ATM cards were being closed on XX/XX/2016. I called the XXXX number on the letter and left a message that someone would call me back. When they called back, they said it was a business decision, no other reason was offered. I stopped at my local bank to see if they had an answer and they could not find anything. After running around to get all my direct deposits changed to a new bank and making sure all my bills were covered, I called the number again asking for a supervisor, manager or someone who does not just answer the phone with a book of basic, obscure answers call me back. After two unsuccessful messages, someone called me back and gave me the same answer, " it 's a business decision. ''
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

Nelnet set payment due on a bank holiday XXXX. I paid my loan payment on XXXX the next business day. Nelnet claims to have a grace period before something is late. However, they didnt process the payment until 5 days later. They marked my account as late and removed my 1 % rate reduction, which will cost me thousands in interest over the next 3 years. Called and nobody there would help claiming the payment was made too late to process on XXXX. They could not provide me proof or why.
Consumer complaint received 2016-07-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MO)

I recieved a XXXX loan from big picture loans. I was told over the phone the intrest would be XXXX and that would be taken as the first payment. However after getting the loan and calling i realized the intrest was over 700 % and that they would continue to take XXXX every two weeks and those payment only satisfied the intrest, not the XXXX i recieved. This was absolutely not explained over the phone to me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that the credit bureaus delete and block the following fraudulent information from my credit report Account name XXXX  XXXX reference # XXXX XXXX XXXX XXXX  XXXX reference # XXXX. XX/XX/XXXXXX/XX/XXXX I wrote multiple laters and sent proof of XXXX police reports and they have yet to resolve my issue
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (CA)

American Express lost its business relationship with XXXX, and the consumer was forced into doing business with XXXX moving forward. Prior to this merge I had a dispute that was submitted with American Express against a merchant that could not deliver ( after multiple opportunities ) on what I contracted them to provide. After providing American Express the information in the dispute and a short period of time, my account was credited the disputed amount and the matter closed. A month later my relationship with American Express ended with the end of their XXXX arrangement. A few months later and with my XXXX card this disputed amount mysteriously appeared on my statement! This was not a charge that was authorized on my XXXX card! It was a charge on my American Express card and the matter had been closed, as well as, my account with American Express was closed. Because of the account closure I was unable to discuss this fraudulent charge on my XXXX with American Express, I was directed to talk to XXXX. I have been back and forth dealing with a closed dispute with XXXX and a fraudulent charge that was NOT authorized by me. I have explained to XXXX that this is XXXX separate accounts, and no one is authorized to put charges on my card except for me the authorized user of this card! XXXX would like me to believe that the businesses merged and my account is with XXXX and that XXXX just took it over from XXXX, NOT American Express ; nonsense! Credit card relationships are unique to that credit card provider. American Express, and XXXX are separate business entities with separated agreements and terms and conditions. When American Express closed the account my relationship with them ended on that day. Any past disputed charges should be between American Express, the merchant, and myself ; not between a new credit card provider and a past closed dispute. PLEASE HELP!!!
Consumer complaint received 2017-03-21
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (CO)

WENT TO CASH IN A 12 MONTH CD AND WAS TOLD THE GRACE PERIOD HAD EXPIRED. I WAS STILL WITHIN 10 BUSINESS DAYS FROM THE MATURITY DATE BUT THEY CHARGED ME A {$120.00} PENALTY ANYWAY. I TRIED TO CASH IT IN ON XX/XX/XXXX BUT THEY WERE CLOSED WHEN I ARRIVED AND THEY WERE ALSO CLOSED ON XX/XX/XXXX SO I CASHED IT IN ON XX/XX/XXXX
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are some inquires on my report that do not belong to me. I have fully viewed my report and there are XXXX total inquires that I did not authorized. There are listed below and also attached with the exact dates. 

1. XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I am requesting your assistance with Lender, Carrington Mortgage Services. At the present time they are proceeding to move forward with a sheriff sale when the borrower and realtor has submitted all required documents upon learning what was required. The documents were submitted and acknowledged received by XXXX, a represented of Carrington Mortgage. The documents were confirmed on XXXX XXXX, 2016. I was told that the file was waiting to be assigned to negotiator AND the negotiator would call with the formal introduction. After not receiving a call and/or email, another call was placed XXXX only to learn that on XXXX Carrington denied due process of the short sale because there was not enough time to review and they were proceeding to foreclosure. I requested a postponement of the sale but this was denied by XXXX. She also, denied a short sale review after the foreclosure sale date citing that unless a full payoff was received during the redemption period thru their attorney, no further communications would be had. I believe that this is unjust with their refusal to fully review the file - especially since the hardship began with the death of the primary borrower on the loan. The death certificate and all documents were received by Carrington months ago with an appeal for a modification due to long term hardship - which was denied without a written document ever received.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received an email stating the investigation is complete ; however, when signing into the site I am prompted with the message : Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone.