davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: State Finance Company (TX)

Do not go through broadway finance if u do not want to be harassed! I told them I would come in Saturday and the Manager XXXX said it had to be paid today that she would meet us halfway she was screaming and saying we always lie and make excuses. They show up to my husbands job and tell him he has to pay! I have never dealt with a company like that before they usually just report you to the credit company if you do n't pay them, but not this company they harass u with calls and visits until u pay, she did not want to take my arrangement and we feel very harassed. We decided not to pay them because of the way she spoke to us and threatened us and said she would keep calling.
Consumer complaint received 2019-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Since my husband 's death our 100 % satisfied paid off mrtg and canceled line of XXXX For him only has been transferred due to wrongful foreclosure to all the below. I am still in superior court again w 3 motions on file. XXXX XXXX, XXXX XXXX, XXXX on line, XXXX XXXX XXXX and XXXX, Mr cooper nationstar. This is ridiculous. I mailed motion ccrr to magistrate asking them to vacate and withdraw the erroneous judgement in XXXX County and they attempted to return to sender. Had to complain to post office ig. XXXX roulette ...
Consumer complaint received 2016-09-16
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CNG FINANCIAL CORPORATION (CA)

My Credit Report now shows a " Collections '' account regarding a " Check N Go '' account from 2011 being collected ( and reported to Credit Bureaus ) by XXXX XXXX XXXX in XXXX. I immediately contacted XXXX and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. XXXX XXXX XXXX is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

XX/XX/XXXX - charge from XXXX Issue billed to my credit card. About XX/XX/XXXX I paid credit card in full. 
XX/XX/XXXX - I noticed charge from XXXX Issue and called USAA to inquire because credit card balance should be {$0.00}. USAA agent reviewed and informed me that charge is recording and credit will be issued to reverse the charges XX/XX/XXXX - Security adjustment issued to reverse first charge XX/XX/XXXX - Security adjustment issued to reverse second charge credit card closed sometime around XX/XX/XXXX new card issued XX/XX/XXXX - USAA undo one of the security adjustment and transferred the charge to new credit card. USAA agent explained that the first agent made an error and I was not entitled to two security adjustments. When I asked for copies of my statements to review the charges I was told I had to pay for it and each will cost around {$15.00} or there about. So I was issued only one credit though there were two charges ( XX/XX/XXXX and XX/XX/XXXX ) XXXX/XXXX/XXXX - charge from XXXX Issue appeared again ( all charges from XXXX Issue were for the exact amount ) XX/XX/XXXX - Security adjustment issued and new credit card issued XX/XX/XXXX - USAA reversed the security adjustment and transferred the charge to the new credit card. 
It is now XX/XX/XXXX and I have been trying to resolve this issue with USAA to no avail. I received notices that I need to pay the charges to include interest, to protect my credit. I called USAA numerous times in an effort to get a solution. I last spoke to an USAA agent - XXXX ( XXXX # XXXX ) who promised to have the matter clear up in 3 business days, before that I spoke to USAA agent XXXX on XX/XX/XXXX @ XXXX and was promised that the matter would be cleared. Before XXXX and XXXX, USAA agents have cut-off phone call, promised to clear the issued, explained that I was incorrect, promised to investigate and get back to me, transferred my calls to fraud section, supervisor, senior analysis and in 10 months that I have been trying to get a solution still nothing but notices in the mail that amounts to harassments. Notices that tell me that additional transactions will be declined, rewards points will not be honored and that late fees will be charged. 
Please assist.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

I have a complaint opened, XXXX. I can not update this one so I am submitting another. 

I just got my statement from HSBC. My payment, with ESCROW is XXXX. I submitted a payment of {$1000.00}. They posted a double payment with interest and ESCROW, then extra principle. All extra monies should be applied to PRINCIPLE. HSBC keeps doing this and it is like fighting a brick wall. They produced multiple statements with different balances for the month of XXXX. They are making this very difficult. I do not know if they just do n't know what their doing or they are doing it on purpose to wear me down. 

I am sick and tired of this and would like cfpa to take a harsher stand for me. It has been going on since XXXX of 2016 since the complaint and the ESCROW misdirect has been going on for years that I have been fighting with them. 

I have attached statements, getting 2-3 a month over last 2 months. Different numbers that do not make sense. The most current is a blatant incorrect posting of my extra payment. Also, instead of show 2 entries
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MD)

Is is legal for Citibank/BestBuy to bill its customers and require payment SIX days later? This happened to me, with a Citibank Visa issued through BestBuy. I have the billing notice, received by email XXXX XXXX, 2016, and various correspondence with Citibank and BestBuy. Neither company addressed my direct charge of predatory billing. Nor did they deny it. 

Even if legal, requiring credit card payment 6 days after billing is clearly predatory, automatically greatly increasing the likelihood of late payments. Citibank and BestBuy deserve at least to be embarrassed publicly for their deliberate predatory behavior. 

Why are they are doing this? BestBuy credit cards are activated immediately, in stores, so that people can make credit purchases immediately. I also believe this practice is designed mainly to prey on people who may not have other access to credit but want their electronics. That does not describe me ; I took the card because of an in-store promotion. That does n't matter. Meat eaters are meat eaters, and to Citi and BestBuy, I am just more meat. 

I reported this information to Maryland XXXX, who referred me to the Maryland XXXX, who referred me to you. Neither offered to take any further steps.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have contacted ChexSystems numerous times via mail and phone requesting a pin is sent to my address. I have updated my current address with the company each time I have spoken with them. I have been attempting to receive a copy of my report for the last six months and every time I call they continue to verify the wrong address and refuse to acknowledge any previous requests or correspondence.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

The debt appears on my report. I attempted to pay off the account in efforts to get it off my report. When I called the company they have no knowledge of the account. The forwarded me to 3 other agencies who also could not locate the debt. I have attempted to resolve and want this removed.
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX IN THE EVENING TIME I HAD LOGGED INTO MY BANK OF AMERICA ACCOUNT ONLINE TO SEE THAT THERE WERE FRAUDULENT CHARGES FROM A XXXX XXXX A XXXX IN THE TOTAL AMOUNT OF XXXX. AS SOON AS I SAW THIS AND REALIZED THAT MY DEBIT CARD HAD BEEN STOLEN FROM ME BY WHO I STILL PRESUME TO BE IN CONNECTION TO MY OLD ROOMMATE AND HER FRIENDS. BANK OF AMERICA IS NOT 24 HOURS SO I COULD NOT GET IN TOUCH WITH ANYONE BUT THE AUTOMATED PHONE SYSTEM SAYING TO CALL BACK DURING BUSINESS HOURS. 
SO THE ONLY THING I COULD DO TO PREVENT ANYMORE FRAUDULENT CHARGES IN MY ACCOUNT WAS TO LOCK THE CARD WHICH A FEATURE THAT BANK OF AMERICA HAS ONLINE TO PREVENT USAGE OF THE CARD. I CALL THE NEXT BUSINESS DAY TO DISPUTE THE TRANSACTIONS AND A COUPLE OF DAYS LATER I WAS REFUNDED HALF OF THE AMOUNT IN WHICH BANK OF AMERICA A COUPLE OF WEEKS LATER HAD TAKEN BACK THE CREDITS REFUNDED IN THE AMOUNT OF {$1500.00} SAYING THAT NO ERROR HAD OCCURRED BECAUSE MY PIN WAS TYPED IN CORRECTLY ALLEGEDLY WHEN I AM THE ONLY AUTHORIZED USER HOWEVER DUE TO BEING OUT ON THE WEEKEND, IT WAS POSSIBLE FOR SOMEONE TO HAVE BEEN OVERLOOKING MY SHOULDERS BECAUSE THAT IS THE SAME TIME THAT MY CARD WENT MISSING WHEN I WAS WITH A GROUP OF FRIENDS AND FRIENDS OF FRIENDS. I HAVE ASKED THEM TO TAKE ANOTHER LOOK AT THE CASE AS THIS WAS CLEARLY FRAUDULENT AND SOMEONE HAD COMPROMISED MY INFORMATION TO EXTRACT FUNDS THAT I HAD NO PRIOR KNOWLEDGE TO NOR HAVE DEALT WITH BEFORE AND SO BANK OF AMERICA DENIED MY CLAIM AND REFUSED TO GIVE ME MY MONEY AND STILL IS AN ONGOING FIGHT TO GET MY MONEY BACK THAT I DID NOT PARTICIPATE IN OBTAINING AND THAT I AM A VICTIM OF FRAUD.
Consumer complaint received 2015-08-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (MA)

I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (GA)

Our mortgage company failed to pay our property taxes out of our funded escrow account on time, which has resulted in a penalty and interest charge. The county tax assessor has also issued a Notice of Intent to Issue a FIFA on our property. We have contacted our mortgage company on several occasions to remedy this situation, but they have not been responsive to date.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I 'm asking you to please investigate Equifax credit reporting agency I have sent them countless dispute letter via certified mail asking them to please send me copies of of any of the original documentation required under the section 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) a consumer contract with my signature on it and Section 611 ( 5 ) A ) OF THE FCRA they are required to promptly delete all infoation which they can not be verified the law iis very clear as to the civil liability Equifax has updated all the account that I requested This is a federal crime and Equifax is in serious Violation I 'm giving them the chance to send me the required documents or else I will file suit ... .. I asked if you could please ask Equifax to fax over the req documents as I requested OF THEM!! 
XXXX XXXX ACCOUNT WITH DIFFERENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX ACCOUNT XXXX ALL NONE ACCOUNTS HOLDING INQUIRES OVER 30 DAYS
Consumer complaint received 2015-08-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (IL)

A stupid woman with an XXXX accent called and asked for me by name, she then asked to speak to someone named XXXX and called her my wife. I have NEVER been married, I told her this ang said I did n't know the person she was looking for. She said the I did know her as my last name was the same as the debtor she was looking for and she demanded I pay her loan, she threatened to put my name on a list to be attributed to the debtor. She was very rude and vulgar as all dummies from XXXX are, and she hung up when I tried to correct her. The caller I.D . traced back to the Wells Fargo Bank, on XXXX XXXX, in XXXX Il.
Consumer complaint received 2017-02-17
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I sent Toyota Motor Credit a letter via certified mail on XXXX XXXX, 2016. I have the only response that I received was further derogatory reporting on my Credit Report. I never got any for of response to my letter, which is attached and the exact same letter was sent again on XXXX XXXX, 2016. Twice I 've sent this letter! 

I 'm prepared to file a lawsuit for violations under RFDCPA and Title 15 Section 1666 of the US code.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (IL)

I am a victim of trafficking and unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that trafficking activity please remove immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

This is regarding Navient. I have two complaints against them ; 1 ) they misled me on late fees, 2 ) they will not offer flexible payment options even though I told them my income varies week to week as a XXXX, and that in the XXXX I am unemployed, as XXXX are not salaried like XXXX. 
I was put into a Rate Reduction Program from XXXX. I was told I can pick my own payment dates, I picked the end of every month as the due date. I gave them my bank account number so the payment is debited every month at the end of the month. When I logged into my account online I see that I was consistently charged a late fee of {$6.00}, and overall, my payments were applied to interests and other unspecified " fees '' that were not explained. Out of the {$130.00} I pay monthly, very little if at all goes to the principal. Secondly, when I called them to extend the reduced payments, and to ask about the fees I see online, I was laughed at by customer service, and rebuffed by the supervisor. I was denied an extension of the reduced rate, and my monthly payments will go up despite my income being the same. Please help!
Consumer complaint received 2015-08-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Smoky Management, LLC (TN)

I have a payday loan at Cash Now Advance in XXXX, TN. My account went delinquent a couple of months ago when i was in the middle of switching jobs. The branch manager, XXXX, had started sending me personal messages through XXXX regarding my debt, and they called my job after being told not to. After I unfriended XXXX on XXXX, she became very upset with me and sent me XXXX very nasty threating messages. To take further action, I contacted her District Manager, XXXX. to see if we could get this problem resolved. After talking to XXXX and telling her everything that had happened, she told me not to worry she would handle it all and agreed to set me up on a payment plan telling me that if i could not make the payment just call them and they would work with me. Several days had past and I had recieved a text message to my personal phone from XXXX personal phone asking me when I would be in the store with a payment. I received XXXX text message a day for a few days from XXXX, and I had not responded, Finally, i received a text message from XXXX at XXXX, telling me that she needed a payment on my account ASAP ...
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (FL)

I have a credit card with Citi ( AT & T Universal card ) that has XXXX balances with XXXX interest rates on it. A standard purchase, which is 20-ish %, and then XXXX smaller balances, which are 4.9 % and 3.9 % respectively, until paid in full. During an online chat last evening, I inquired how payments were being applied and was told that they were first applied to interest ( and any applicable late fees ), THEN to the balance with the SMALLEST interest rate, and then any additional ( above/beyond the minimum payment ) is applied to the balance with the highest interest rate. However, every place I look online, I read that payments must first be applied to the interest/fees, and then any remaining goes to the balance with the highest interest rate. That clearly is n't happening in this case.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

I contacted National Credit Systems attempting to pay off debt until I found out I was a victim of identity theft. I called to inform XXXX XXXX the collections agent there and obtain identity theft paperwork only for him to fax and return only for him to continue to make threats. XXXX XXXX accused me of lying about being a victim and there is nothing that can be done to help me. I felt very offended by his actions. I asked to speak to manager and his manager said and did the same things. The manager even told me that there is nothing that well every be done to get rid of debt so deal with it.
Consumer complaint received 2015-08-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (OR)

Caller calls my phone, family members phones, and my employer, even though they have been warned to stop calling because it is harrassment. They do not provide any proof of the debt, nor do they give any information about it. STOP CALLING and send original debt information to prove it is valid ... ..
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Duplicate reporting of account and history by original creditor : XXXX XXXX XXXX and collection agency, original limit {$300.00}, did n't go over limit, collection agency showing now owe {$660.00} and orginal high was {$590.00}. XXXX XXXX XXXX shows c/o, w/o & sold on XX/XX/XXXX, but listed under negative accounts as closed and collection accounts, with history thru 2016.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be updated. 


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. 


XXXX EXPERIAN XXXX 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-09-16
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Onity Group Inc. (MD)

THIS COMPLAINT FOCUS ON DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see attached files