davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation (CA)

InXX/XX/XXXX, a loan I have had with Avant, loan # XXXX, became delinquent by about a week. I began getting emails from Avant stating " do n't expose yourself to possible negative credit reporting. '' The email went on to state to contact them and a Payments Specialist will gladly assist me. They stated that " multiple payment options '' were available to keep me from damaging my credit. I make contact, not wanting my temporary financial situation to damage my credit, and they offer me a 3 month reduced payment option. After making the 3 reduced payments, which they arranged and suggested, I would return to my regular monthly payment. On XX/XX/XXXX Avant sent the 3 payment reduction arrangement via email. I make the 3 reduced payments as arranged. Approximately one week before my first full payment would be due again, another creditor asked during a business appointment if I was aware Avant was reporting me late, and showed me my credit report with three 30 day delinquencies. I contacted Avant and spoke to a gentleman named XXXX, who confirmed that I was indeed being reported late for each month I did not make a " full '' payment. I explained to XXXX that it was not noted anywhere in my temporary agreement that a result of accepting THEIR agreement offer would be that I would be reported late. If they had disclosed that to me, as I believe is required by the Fair Credit Reporting Act, I would have rejected the offer and found another alternative. I requested that they remove the late payments because they failed to disclose to me that their policy was to report late to the credit bureaus in spite of having a current payment plan, and they refused. I requested to speak with a manager, who would only confirm through XXXX that the policy was indeed to report late, even though they did not disclose this action would be taken. Since then, I have filed a complaint with the Better Business Bureau ( BBB ) in XXXX Illinois where Avant is headquartered, and through several back and forth communications through the BBB, Avant has continually answered my complaint that they failed to disclose their policy and plan to report me delinquent by saying, literally, " we also did n't tell you we would report you timely either. '' I feel that it is now necessary to take the next step an file a complaint with your agency. I believe Avant has broken Fair Credit Reporting Act laws by not disclosing to me that they planned to report me delinquent regardless of my temporary payment arrangement, and the emails they sent which purposely leads you to believe that contacting them and making arrangements would protect your credit, and their policy is to do the very opposite.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened a check and savings account with Regions Bank on XX/XX/XXXX, with a promo to deposit {$400.00} into the checking account once a minimum deposit was added to both accounts ( submitted the same day ) and a minimum number of debit card transactions ( 10 ) was reached within 120 days. A debit card was n't mailed to me until more than 60 days after account opening, at which point I was unable to receive it because I was out of the country. The bank was unwilling to honor the promotion while accounting for the tardiness in sending the account products, and so I elected to close both accounts. I 've contacted the bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today. In all of these communications, the bank refuses to close the savings account and return the money on deposit without sending a notarized letter - an action I 've indicated I will be unable to perform until I return to the US - late XX/XX/XXXX or early XX/XX/XXXX at the earliest.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (OR)

I have historically paid my Perkins Loan online at https : //borrower.ecsi.net/. On the site in the secure portion, I have used the direct payment choice which makes a payment direct from my bank without any fee. This has been done on a one time ( single recurrence ) basis. ECSI is developing a new website ( http : //www.heartlandecsi.net/ ) that they have encouraging the use of. On the new portal, there is not an option to make a one time ( single recurrence ) payment from my bank without incurring a fee of ~ {$2.00}. Across multiple accounts and over time, this is a substantial amount of money. I 'm complaining about there now being a fee for a service that previously did not have a fee. I have called the company and they were unhelpful. Additionally, I have attempted to work with the University XXXX XXXX as they technically still own the loan to get them to fix the issue. Neither has been successful.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX /   17  (  2 MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND  DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM  XXXX  AND EQUIFAX.  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AZ)

On or about  XXXX   XXXX ,    2017  - I opened a  Citibank  premier checking account with a deposit of $  XXXX  following the correct promotion code. As per the terms - customer is suppose to get {$500.00} as promotional cash to maintain $  XXXX  as daily balance  for 60 consecutive days.I followed all the terms and conditions but still Citi is denying me my hard earned {$500.00}  promotional cash. The reason - i had another account during the last 60 days - but that 's no where mentioned in the Terms and conditions ( printout PDF that i am attaching  ). Essentiall one or the other way - Citi does n't want to let the customers has promotional bonus. My spouse (   XXXX   XXXX  ) few months had the same issue  with Citibank where Citi denied her the promotional cash
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westside Recovery Services, LLC (CA)

These institutions are providing false, fraudulent and erroneous information to the  XXXX  credit bureaus which has damaged my person. I have lost job opportunities because of this and have been denied credit due to their willful negligence. I have filed a police report, filed an FTC Identity theft affidavit notarized, countless correspondence and my state issued ID like they have instructed me to do with no avail. They are still reporting fraudulent activity on my credit report. I am keeping detailed records of all correspondence that has been sent out via certified mail and will seek legal remedy to be made whole again. Remove the accounts I have detailed in my correspondence to your institutions. Govern yourself accordingly.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (GA)

In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32ps. I emailed Credit Karma right away when I first saw my credit score had dropped. Credit Karma and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX, and I visited XXXX still no one could tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at did not apply to me. One factor was incorrect they said I have only had credit for 2 yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

To Whom  It May Concern : I discovered that   XXXX   of my mortgage payment was not applied to my mortgage. This caused my reinstatement amount to be higher than required because my payment was not applied. I have provided proof to Ocwen from my bank that clearly shows the payment was ACH debited from my account. The payment was not NSF and it is obvious my payment was applied to another account or not applied at all. I am contacting my bank to provide the ACH debit tracking number so Ocwen can easily trace what account this payment was applied to. The payment was withdrawn from my checking account ; however, the mortgage company ( Ocwen ) i s stating a third party servicer used by  XXXX  stated the payment was returned NSF. Thus, the payment was not applied to my mortgage account. I am not sure this is true or not - please research and contact the required third party servicers and parties involved to determine what happened to my payment. The payment was deducted from my account on  XXXX / XXXX / XXXX  in the amount of {$1000.00}. Here is the information provided to me from my bank : Yo u may provide the following information to the mortgage company. Our records indicate the Trace Number  is  XXXX  for the electronic payment, t he Effective Date i s  XXXX   XXXX ,  XXXX , and the Amount is {$1000.00}. Additionally, t he US Cu stomer Identification Number is  XXXX , the Company Name is  XXXX , Company Identification :  XXXX  Regards,
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

I h ad PNC  only 3 months I had business accounts and personal accounts.  XXXX  the business banker opened  XXXX  accounts for my business then closed  XXXX  and gave me the closed accounts numbers with the debit cards to the open accounts my clients kept trying to send money only to have funds rejected and was told the account was closed i spoke repeatedly to t he manager and assistant manager at my PNC bra nch  XXXX  and  XXXX  and was told everything was fine but it wasnt I was using the debit cards thinking everything was ok then the actual active accounts became overdrawn and checks bounced and no payments from my customers was received  XXXX  told me last week i had the qrong business account numbers and he was sorry My personal account was in good standing and it was closed an d PNC never informed me they was closing them, I have a job and my check is direct deposit I asked them will I be able to get my deposit cus my rent is due and was told they have to hold it for 30 days I have been so stressed out over the fees and lies from PNC I feel lik e I have  XXXX  not only have I lost alot of vendors and clients for my business but now my personal life is in shambles  and I may get evicted I went to my doctor for   XXXX   XXXX   XXXX   XXXX   all due from dealing with PNC HOW CAN THEY DO THIS Its not fair how they are allowed to  XXXX  people over
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Good morning CFPB- I first want to congratulation CFPB for your good work. I am not the only one under attack. We need  Congress  to come to your assistance!  <P/> In  XXXX  I lost my   XXXX   XXXX   due to the economic downturn, which also dried up my   XXXX   XXXX   XXXX   XXXX  . My home loan was with   XXXX   XXXX   XXXX  , and they could have exercised one of  4 options : 1.  Putting the missed payments/penalties on the back end.  2.  Interest only with a balloon. 3. Conversion a  40 yr loan to a 50  yr. loan. 4. Complete write off. These are options applied to other customers but not to me.   I hired a lawyer from  XXXX  to act on my behalf, the result being  XXXX  slapped a sale date for  XX/XX/XXXX , and passed me off to  Shellpoint  Mortgage. In the  2  weeks I have been with Shellpoint they have switched the ( required  ) s ingle point of contact representatives 3 times, I have never been able to speak to any of them, and they do not answer their phone. And on  2  occasions, when I called into the general phone number, both times the call was disconnected mid -conversation. Starting yesterday, I faxed in the required docs, and all  3  fax lines were busy. This is a deliberate tactic to let the clock run out until the auction date   XXXX   XXXX  .   Further, the California  Bill of Rights for Homeowners  requires that a bank can not practice " dual tracking. ''  XXXX  did not abide to this rule and Shellpoint is showing signs of doing the same thing. My attorney at the time requested a 90 day suspension from this sale date but  Shellpoint  has not responded to his letter nor have they returned his calls.   Another issue is that homeowners have the legal right to access their investor.  XXXX  and Shellpoint both name   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  denies being the investor. Here is the language :   XXXX   XXXX   XXXX   XXXX   XXXX   as Trustee for the Certificate Holders of the  XXXX   XXXX . The pre-recorded phone number for  XXXX  also states they are not the investor.  XXXX   XXXX   XXXX .
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

XXXX   XXXX   XXXX   XXXX  sent me a letter on  XXXX   XXXX ,  XXXX  stating I owed {$280.00} to creditor LVNV Funding LLC. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on  XXXX   XXXX . No one respnded to my letter. I received a similar letter on  XXXX   XXXX   XXXX  with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Kohl 's sent me a bill due on Sunday   XXXX   2017, a non business day. This was my first bill, and I only had a few days before the payment was due - an inadequate time to setup online bill pay. As the bill is due on a Sunday, I was unable to go to the bank to get cash to make a payment in the store. I paid the bill on Monday,   XXXX  2017 and was subsequently charged a {$29.0 0} late fee. This is an unfair business practice!
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

In  XXXX  of  XXXX , we set up auto-pay for our mortgage payments. On  XXXX   XXXX ,  XXXX , we received a notice that we were behind on our mortgage {$880.00}. After calling to inquire how that was possible, the CSrep informed us that there was no auto-pay set up and that this was the amount due. I still did n't get a true understanding regarding how we owed {$880.00} already. However, against my better judgement, I sent a check for the amount they claimed was past and the next month 's mortgage payment that was due, which would total approximately {$1300.00}. To my surprise, on  XXXX   XXXX , I received a check fro m Nationstar for {$32 0.00}, with no explanation about where these funds originated from.   I inquired about that and they said it was for a partial payment that was received, I 'm not sure when, and they did n't say when, and I asked the CSrep why it could n't be applied to the balance that was due, since it was already in their possession, and they responded that the balance had to be paid in full. At this point I 'm so confused. I do n't understand why, if a customer owed you, you would send them a refund. From here it does n't get any better. On  XXXX   XXXX , the check for {$1300.00} was returned with the claim that I now owed {$2700.00}, which would equ als 5.5 mort gage payments and here it was only  XXXX . Still, I got no clarification, no answers when I called. So I sent payment of {$2700.00}, as they claimed that I owed, and guess what? This payment was returned as well, I do n't remember the exact date, but it was the middle of  XXXX , and now the amount had now risen to approximately {$3100.00}. I called immediately and spoke to CSrep who I asked to give me an explanation and a true, static amount with a solid deadline to pay. He informed me that the {$3100.00} was due before  XXXX   XXXX  and I promised that it would be by the end of the next week. In my mind, all is well, until I get yet another letter with the same statement, and the  XXXX  returned monies. This letter was received on Saturday,  XXXX   XXXX , and when I call them this time, they inform me that the account was never brought current ( this was totally NOT my fault ) and that the house was sold on Tuesday,  XXXX   XXXX . The most interesting & heartbreaking thing is that the date that the funds were rejected, were after the house was foreclosed. No one called and said, we 're not accepting the payment, this is what you need to do, nothing. And I 'd included a note with the payment for someone to call me, with a phone number if there were any problems. Now I 'm losing sleep, feels like I 'm losing myself with everything I 've been through. I just want my house and I have been trying to pay what was owed.
Consumer complaint received 2017-06-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CT)

I am an at torney and represent daughter of mortgagor who conveyed to her, subject to mortgage to Quicken Loan o f approx  XXXX  on house worth  XXXX  ( interest per month is approx.  XXXX  ), couple months before he dies. Daughter had moved in about year before to take care of him. No estate ever opened ; sister has will etc. wo n't speak to my client, and my client tried to talk to quicken they said ca n't talk to her, VA loan not assumable anyway?? meanwhile they serve h er w forc  papers in another state, nearly goes to public auction, I get it dismissed but quicken and/or their attys say ca n't talk to her, she ca n't get pay-off, she is not on the loan. I learn client does qualify as successor in interest and attys and quicken still saying she no right to info. I asked in writing for pay-off and forced placed insurance costs starting in  XXXX  Just received pay-off this week, has all the costs added on We are having trouble paying off all their charges, and rfealize i f Quicken had reaced out to her re successor in interest status, she had mnoney to pay and would not be looking at losing her house, but would have made the payments, or at least would not have lost so much in time, attys fe es, their fees, etc.
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Summit Financial Corp. (FL)

I am making monthly payments of {$490.00} on a XXXX XXXX XXXX to Summit  Finance. In XX/XX/2016, the original loan amount was XXXX. I tried to re-finance through this lender but was denied. Then I tried to re-finance through my bank but was also declined. I found out that for over two years I have been paying only XXXX towards the principle. The car is only worth XXXX and the pay-off amount is XXXX. The dealership told me they were charging me 24 % INTEREST. THIS IS CRIMINAL! IHAVE BEEN UNDER EXTREME FINANCIAL HARDSHIP for the past two years and at a rate such as this I may not live that long to ever pay it off! I also did some nvestigating of 'Summit Financial Corp. and they recently declaRED BANKRUPTCY. I AM CURRENTLY WORKING WITH XXXX XXXX TO REPAIR MY CREDIT-but in the meantime I continue to be financially XXXX by this company. aLL i AM TRYING TO DO IS GET A LOWER MONTHLY PAYMENT. i AM A XXXX VETERAN AND LIVE ON A FIXED INCOME 100 % SERVICE CONNECTED.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PR)

I have asked XXXX XXXX for the validity of an account and to date in multiple disputes they have not evidenced the account with a contract signed by me. I urgently request that all reporting of this account to the credit agencies be stopped immediately and that it be removed from credit reports.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.