davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

At the moment I am having a hard time with the payments of the vehicle due to the vehicle having to be placed in the shop on multiple occasions. Since purchasing the vehicle it has been in the shop since the first week on and off. The warranty center in which I was instructed to take the car to failed with multiple attempts to fix the vehicle. I can provide paper work showing the work the warranty center did was in fact a failed attempt resulting in me having to come out of pocket over {$2000.00} within in a 2 month Period. Not to mention I was advised that the car would die within a year time due to corrosion in the breaking system and in the suspension system which I have video as well to prove as well as the ongoing gas line issue. I posed the question to XXXX XXXX about getting out of this loan or possible getting it transferred to another vehicle in which she stated when I was ready to call her and wanted to focus on the current issue. However she never answered the question. She asked that I send the proof of repair. In which I had my breaks, roaders, and calipers and a break line leak repaired something that was preventable if the warranty company that completed this work back in XXXX took the time to do the work correctly. XXXX XXXX advised that if I sent the proof of payment within 24-48 hours max the back car payments would be deferred. I sent the documentation the same day she asked on XX/XX/year> and I didnt get a response until a week later XX/XX/XXXX in which another payment has come due and now she is advising In order To defer the payment I would have to make a payment. A payment that I dont have. I believe this was intentionally done because of the ongoing issues I have been having I believe they are now trying to corner me in a no win position. I am requesting assistance with this matter as time and time again between the seller, warranty company, finance company it has been nothing but run around and hassles. I will also be filing a complaint with the XXXX  as XXXX XXXX XXXX has been rude and obnoxious making me feel like I am doing something wrong for preferring the work being done on my car is done by a qualified and rated shop.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (TX)

I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit XXXX and XX/XX/2018 XX/XX/2018 XXXX XXXX never late XXXXXXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX XXXX XXXX never late XXXX XXXX and XXXX this has happen before
Consumer complaint received 2018-08-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Plaintiff 's / Bank law firm was approached with shortsale offer of $ XXXX, Defendant 's representative and lawyers sent in a complete application with a fully signed contract to the mortgagor XXXX XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX. However, a week prior to the auction, without any counter offer or response on the shortsale amount, the borrower 's attorney received an email stating the offer would not be considered because it was submitted less than 37 days prior to the auction sale. 

Two days before the auction, the Borrowers attorney sent another request to consider the shortsale offer and Plaintiff 's firm advised to send in the offer. The fully exectuted contract, proof of funds, and offer letter was sent to the representative who did not review or in the opinion of counsel send to the Bank. 

Attorney for Borrowers called the Bank and spoke at length with a representative and a supervisor about the offer. The two men said that the law firm had complete discretion in stopping the auction and submit our offer for processing. The men asked me to go to them. Borrowers attorney again contacted the law firm and they said that the servicing guidelines prevent them from accepting or considering our offer. The two parties had no idea what the other was doing even though I communicated the issue, no effort was made to coordinate a response and consider a substantial offer. 

The property was then auction and sold to the same buyer that Borrowers brought to the Bank and law firm. The Bank or law firm 's representatives were fully aware of this buyer and yet accepted a lower offer of $ XXXX. 

The Plaintiff law firm acted unfairly and in violation of the fiduciary duties it has to the Bank and Borrowers to accept the highest offer and rejecting to process the shorsale at the higher contracted offer amount then selling the property for over {$15000.00} less to the same buyer sellers entered into contract with. 

The Bank supports this bad faith conduct by not investigating and demanding that a shortsale be processed with the buyer at the higher amount. 

Additionally, the bank did not have the note and mortgage before they started the foreclosure because the note and mortgage was transferred to XXXX. XXXX  did not transfer the note and mortgage back to the Plaintiff until 2015 when the Plaintiff was set to assign the note / mortgage to a new creditor.
Consumer complaint received 2018-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (CA)

During the past year as a Lending Point customer I have encountered many problems. The due dates, payment amounts, and late payment information has been inaccurate and still is. Lending Point has failed to update it's systems and that that resulted in an erroneous negative late payments being reported to my credit report, harassing phone calls, and extended wait times when calling to report and correct the issues. 

Recently Lending Point has changed their web site to include a 2 % transaction fee on all payments made via their web site. In an attempt to avoid this exorbitant new charge I recently called to make a payment and now they charge on all phone payments as well. With the payment amounts the 2 % fee can be very expensive, My average payment to Lending Point is {$1000.00}. This would mean an additional {$20.00} charge just to make the payment.

Working with Lending Point has proven to be very difficult and they do not have the customers financial success or future in mind. Lending Point continues to create obstacles that obstruct payment ease, accurate payment amount and due date information, and consumer friendly access to accounts.
Consumer complaint received 2018-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

XX/XX/2018 XXXX XXXX Recurring Payment of {$80.00} dollars for a year on the XXXX of each month I called XXXX XXXX 7 times to try and get in contact with a supervisor because my payment was being regarded as late because Heartland told me my credit card was failing and to contact my bank. I called XXXX twice and they let me know the problem is on their end. 

I still can't get in touch with a supervisor and they can't credit or freeze my account to eliminate the late payment according to 3 different CSR 's. I do not know what to do
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was banking with Bank of America when I lost my card and somebody else used it, I tried to open a checking account with XXXX XXXX and I was denied because of a fraud report. When I lost my card days later I got I knew one then I informed Bank of America what happened and I was told I made a claim and I will not have to pay anything. Now I need a checking account for direct deposit and I cant open any accounts. A check was deposited in my account for XXXX dollars but it wasnt accepted, then another for XXXX dollars Im 2017 and I was told nobody got any money.
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you. 
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC (NC)

On XX/XX/year> I requested to make a payment of {$360000.00} on a home mortgage I have with Rocket Mortgage. I owe about XXXX XXXX on the mortgage. 
After asking the lender how to process the payment they told me I can not make a payment in excess of XXXX XXXX of the outstanding amount. I reviewed the loan documents and this was never a condition of the loan. 

I then asked to speak to a supervisor and they told me that it would be fine. I went ahead and processed the payment via wire from my bank. 

After coming home, I received a call from the same supervisor who said she was wrong and it would be rejected. 

I do not understand how it is lawful for a lender to create new terms to a agreement to supersede the agreement without my acknowledgement or approval.
Consumer complaint received 2024-10-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (GA)

Rent Recovery Solutions has unlawfully reported an alleged debt of {$1400.00} to my XXXX credit report without contacting me. 

I don't recall having a contractual relationship with this collection company, RENT RECOVERY SOLUTIONS, nor have I received any correspondence from them. Please consider this letter as my formal dispute of the alleged debt and a request for verification of its validity. Please provide proof that this alleged account belongs on my credit report and that my rights have not been infringed upon ; otherwise, please terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. 


Furthermore, I kindly request that you provide me with proper documentation proving your legal authority to collect any alleged debt. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights as per the Fair Debt Collection Practices Act ( FDCPA and all other applicable laws and regulations governing debt collection ). I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Thaxton Investment Corporation (TX)

I am filing this complaint against Covington Credit due to XXXX XXXX XXXX trying to collect an alleged debt that has not been validated. I am filing a complaint against Covington credit because they are listed as the original creditor of the alleged debt, and XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or XXXX 

Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of Texas. After conducting my own search through the Texas State Comptroller, I have found that XXXX XXXX XXXX is not registered to conduct business in Texas. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How did Covington credit sell this debt to an unregistered business? I am convinced that they both are illegally trying to collect from consumers. 

Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all 3 credit bureaus. I am attaching an invoice for the damages caused by their negligence and FCRA/FDCPA violations. I am requesting that Covington Credit remit payment to the address listed on the invoice. Failure to comply will result in legal action, where I will seek statutory and punitive damages for their unlawful practices. 

Covington Credit has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> I deposited a check from the treasury department that was in my name into my bank account. The check was placed on a 8 business day hold and was to clear on XX/XX/year> which it did but the account was then immediately closed and I was not able to get access to my funds. I was told that the funds would be held until the check was " Verified '' with the IRS. I went into a Chase branch and should a banker all documentation to prove that the check was made out to me. I had my W2, my 1040, my tax transcript from the IRS, direct correspondences from the IRS saying that the check was being mailed out, how much it is for and when I should be receiving it. You can go directly on the irs.gov website insert my social security number and the amount of my refund on my 1040 and it will verify that the amount is correct also. Chase bank has said that they called all the numbers that they have to verify the check and was not able to do so and that there is nothing further they can do until the check is verified. I am befuddled as to why they are holding my funds hostage and they are giving no remedy as to how to even get my money back
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

This is a dispute about the quality of a service paid for using a credit card. This is a complaint under the Special Rule for Credit Card Purchases enforced by CFPB https : XXXX # XXXX ( XXXX ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder XXXX assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder XXXX withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. 

The reason for this complaint is that an unlicensed physician represented herself as licensed. Charged for a fraudulent treatment ( part of the reason her license was suspended ( see attached ). The office location was XXXX miles away from my house. The XXXX XXXX for Credit Card purchases applies. 

The charge was for {$4000.00} and was fraudulently provided. Essentially it was a scam treatment provided by an unlicensed provider.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC. (NY)

I had a personal loan thru XXXX We paid off this loan in full early on XX/XX/year>. When we paid off the loan we overpaid it by {$990.00}. We contacted SOFI in regards to this on XX/XX/year> and were told we would receive our overpayment back in 6 to 10 days via direct deposit into our back account since the process was started on XX/XX/year>. We waited the 6-10 business days and did not receive the money. We contacted SOFI again on XX/XX/year> and were told they didn't start the refund process when they said they did and would have to wait another 7 business days until they would give us back our money
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX my XXXX is XX/XX/XXXX & my account number is XXXX & I'm writing this complaint because I feel as if my last complaint was not resolved & brushed off because it was " worked on before ''. I frequently have to write reports to CFPB regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific topic & I am asking if it can be removed from my credit report. I have been told its not possible but it was done once before a few months ago. During the time of XXXX, I was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved I believe that there may have been a mix up in my legitimate payment being marked as late. I have always been on time with payments & I seem to have a problem with Wells Fargo frequently for the past year now. I've been a very loyal customer for almost 4 years & despite all the troubles I have had with Wells Fargo I still stayed a loyal customer. Last case I wrote, I was told Wells Fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, I am always on time with payment. I don't believe I ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, I am simply asking for the late payment to please be removed from my credit report as I the customer don't believe I am at fault. Thank you.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (NJ)

Re : Debt Validation Request for Account XXXX, Dear True Accord, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on XX/XX/year>XXXX  and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract. 2. Itemized breakdown of the debt amount, including any fees, interest, or other charges. 3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor. 4. Details of the original creditor, including their name and contact information. 5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Thursday XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX thru XXXXXXXX XXXX  tried to deposit XXXX dollars into my account thru a ATM at the local Huntington Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX United States It did not deposit my money it kept the XXXX and return my card I went into the bank at XXXXXXXX XXXX and tried to resolve this and of this day no resolutionthe loan officer said he submitted a dispute that day which I found out Monday XXXX was not true
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I got a PayPal card prepaid and in hopes of getting a personal debit card and loaded. Y money on it just to find out I couldn't or they wouldn't allow me to use the card. They said I had to many account and I didn't know what they were talking about. They close and account and card with my money still in the account and won't refund it to me. It was about XXXX dollars.