davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (TN)

I have been having my car payment auto-deducted from my checking account every 2 weeks for the past several years from XXXX. I recently paid off the vehicle last month. 2 weeks after the vehicle was paid for, I received another deduction from my account for a full payment. The last payment was overpaid by a little over {$20.00}, and XXXX ( Bridgecrest ) sent me the remainder before I even asked about it. Right before I received that check in the mail, I had this full payment auto deduction, and it has been a constant battle the past 2 weeks to try and get my money back. The company said they were sending me a check 2 weeks ago for the {$170.00}. I called back to check the status of this, and they said they never sent a check, as they were waiting for me to send a bank statement. This was not what I was told in the beginning or else I would have given them my bank statement. So I sent them the bank statement, and a lady said she would overnight my check to me. I have called back several times since then. It has been 3 days, and I have seen no check and after calling the lady all day today, all of a sudden I can not get a hold of her or anyone in management. I have NEVER had a late payment with this company, and I all I wanted was the money that they wrongfully withdrew from my account. I have taken time out of work, and family life to get this little money, and I have gotten nowhere. This company specializes with poor and no credit customers, and they think they can get away with this because we have no other options. As I paid 18 % interest with {$2200.00} down on a significantly overpriced vehicle, I will not be treated like a second class citizen by XXXX, Bridgecrest, or whatever else they want to call themselves.
Consumer complaint received 2024-10-09
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: ACIMA CREDIT, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX consumer protection and identity theft laws. 

It has come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting of my personal information to credit agencies without obtaining my explicit consent. Under federal law, specifically Section 1681b ( a ) ( 2 ) of the FCRA, consumer consent is a legal requirement for the reporting of such information. 

In addition to federal lawXXXX XXXX  law under the Revised Statutes of XXXX  ( XXXX ), Section XXXX, defines identity theft and fraud as the unauthorized use of someones personal information, including in relation to credit reporting, and provides for penalties in cases where unauthorized actions result in harm to the individuals creditworthiness. Missouri statutes also support the fair and accurate reporting of credit information and offer legal recourse for consumers affected by fraudulent or unauthorized activities. 

I affirm that I have not given ACIMA DIGITAL FKA SIMP any consent to report information to my credit report. This unauthorized action constitutes a violation of my rights under both federal and Missouri state laws and has the potential to damage my creditworthiness. 

I demand that ACIMA DIGITAL FKA SIMP immediately ceases all reporting of information to my credit report without my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft and consumer protection laws. Failure to comply within the specified XXXX period will be considered willful noncompliance, which is subject to penalties under both federal and state laws, including XXXX identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri laws protecting consumers like myself from unauthorized and harmful credit reporting. I expect ACIMA DIGITAL FKA SIMP to take immediate corrective action to rectify these violations. 

Done in good faith.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian XXXX, TX XXXX Re : XXXX - Account Ending XXXX. 

I am writing to ask that you delete my entire record from all credit reporting, since I have tried numerous times to contact the collections company XXXX has referred my account to : XXXX XXXX, XXXX Executive Response Unit. XXXX XXXX. 
XXXX, Office of the President, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX. 
XXXX XXXX, VP Client Servicing I have had XXXX success in doing so, since they claim it is a XXXX account. 

In addition, I have made consistent payments to XXXX over the years and as a responsible person, and yet XXXX is still reporting me as not paying. 

This must be rectified immediately, since as I was told via my phone call XXXX does not manage this debt, XXXX XXXX XXXX XXXX XXXX does. 

I am reporting this mis-reporting to CFPB and each individual reporting agency. 

I look forward to your response. Thank you for your consideration. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2016-12-09
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

1. ) On or about XX/XX/2016 my wife and I contacted Quicken Loans to obtain a mortgage on our home, initially for {$52000.00}. The loan would involve obtaining a subordination agreement from XXXX with which we have a XXXX XXXX Account. At that time the outstanding balance was {$48000.00}. The points Quicken Loans was charging us was XXXX % of loan amount. This amount was acceptable to us. 
2. ) On XX/XX/2016 we received a loan estimate from Quicken Loans for the same amount of {$52000.00}. The points Quicken Loans was charging us was now XXXX %. This was still acceptable to us. 
3. ) On or about XX/XX/2016 we asked Quicken Loans to increase our loan amount to {$97000.00}. In the loan estimate sent to us the points remained at XXXX % of loan amount or {$1000.00}. This was still acceptable to us. 
4. ) On XX/XX/2016 we again received a loan estimate the loan amount remained the same at {$97000.00} and the points remained the same also at XXXX % of loan amount. At this time we also received a closing disclosure with the same amount and points. 
5. XXXX On XX/XX/2016 we received a closing disclosure for the same loan amount of {$97000.00} but the points were increased to XXXX % of the loan amount or {$2400.00}. This would increase the cost to us by {$1300.00} and was not acceptable to us. 

During the time of our initial application up to XX/XX/2016 Quicken Loans requested we submit numerous documents which we did in a timely expeditious manner. Quicken Loans banker XXXX insisted that Quicken Loans would not authorize subordinating our home equity loan but that it would need to be closed. This was in direct contrast to the Certification & Authorization agreement we received from Quicken Loans on XX/XX/2016 listed under the title, Authorization to Release Information. XXXX # XXXX states : If applicable, I/We request that my/our second mortgage loan be subordinated to the new refinanced first mortgage with XXXX. I/We authorize the release of any information, either verbally or written, in order to process the subordination request. 

We talked to other officials of Quicken Loans who agreed with us and the documents for the subordination were obtained signed and submitted. 

All of this took an inordinate amount of time on Quicken Loans part. The loan was approved. The subordination agreement was approved. Yet for some unknown reason Quicken Loans was not closing the loan. 

When we inquired about the reason for the very large increase in points, Quicken Loans stated it was because of the amount of time it was taking to close the loan. 

Upon our insistence the loan was closed XX/XX/2016, over XXXX months from our initial application. At this point for us to stop the process and shop around for another loan was out of the question. 

It appeared that Quicken Loans had us over a barrel and could arbitrarily change the amount of points we were being charged. This does not sound like honest business practice and would like to have the difference in points charged {$1300.00} returned to us.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (IL)

XXXX sent an account which is not mine to XXXX XXXX. I disputed the debt, and they fixed the problem and removed the tradeline from my report. Last time I checked my report it is now back on there by another agency Diversified consultants. Same debt, same amount. I do not owe this!! XXXX allowed an order to be placed in my name but shipped phones to an address in XXXX XXXX IL which is about XXXX miles from my home address. This was found out when I disputed the first time. They admitted the phones order was placed online and the phones were shipped to an address other than mine. I complained to XXXX reguarding this and DCI sent me a form to be filled out with XXXX which had been done previously with XXXX and I refuse to do again because a fraud hit on my credit report will hurt more than this tradeline. I am running out of options as DCI are very hard people to deal with. My next options are to report sprint to XXXX, and CFPB
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (OH)

I have an unverified account from BERKS CC. I had previously disputed this account. I have never done business with BERKS CC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BERKS CC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BERKS CC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

Attached are screen shots of my XXXX XXXX online bill pay from when the mod period started and a copy of the BofA check. I had to pay {$16000.00} before the XXXX of each month. XXXX was paid on time in XXXX, XXXX and XXXX XXXX XXXX paid in XXXX, XXXX and XXXX by the XXXX of the month - so on time. The amount was slightly adjusted in XXXX 2016 to {$16000.00}. 
XXXX 's positon is that they bought the loan during the modification trial and I was technically still late on my payments as the trial was not completed and new loan docs were not yet issued by them and signed by me. If I 'm late, even if still in a still period, they say they need to report it. As a Fay policy they wait 60 days before reporting lates and this would have brought me to about XXXX XXXX ( the loan was bought on/about XXXX XXXX. When my 3 month mod trial was completed at XX/XX/XXXX, they took SEVEN weeks to get me the docs and I signed them right away XX/XX/XXXX. If they rolled me into a new loan in XXXX, as agreed to, they would not have reported me late because the new loan was in place and I was still within their 60 day window before reporting lates on newly acquired loans. When I told XXXX XXXX at Fay Servicing that their 7 week delay caused this, he just said " getting loan docs out takes time ... '' I did everything I was supposed to and am being penalized heavily due to their inadequate processes.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

A credit card account ( I am co-signer ) was charged off XX/XX/2014 ( Main person on card claimed BK ) Experian ( only ) continues to report this as open and 120 or 180 days late every month. The other XXXX are reporting accurately. The creditor says I have to take it up with Experian. I have disputed now 4 times with them in the last 3 years. I am exhausted and do not know what else to do. I have wanted to purchase a home two years ago an still can not because of what they are reporting.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

My credit monitoring services alerted me to a potentially fraudulent account. XXXX is reporting an account through Experian which I did not open. I have the inquiry is showing that it came thru XXXX which is also fraudulent as I have not applied nor authorized any credit services or accounts this year or the prior year. Please have this fraudulent activity removed and investigated immediately. Thank you for your service.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My HAMP mortgage was taken over by Ditech Financial from XXXX XXXX XXXX a few years ago. My modified loan had a pay for performance clause where I was receiving $ XXXX off of my principle balance each year for up to five years if my payments were on time. I had a total of $ XXXX taken off of my loan balance. Ditech Financial recently sent me a letter saying that after a review they determined I was ineligible for the program as of XXXX of 2012 due to late payments or a refinance which takes you out of the program. They added $ XXXX back to my balance and offered no supporting documentation stating how they arrived at this conclusion. I checked my bank statement from XXXX of 2012 and sure enough my mortgage was paid on time. I never refinanced which was the other way to be removed from the HAMP program besides late payments. I have written and called Ditech to complain about this and everything falls on deaf ears. They basically stole {$5000.00} from me and I do n't know what to do???
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (NY)

Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ), a collection agency that appears to be a fraudulent company, has used my personal information to falsely accuse me of owing {$610.00} to XXXX. According to the company, the account was created in XXXX in XXXX, when I lived in XXXX, and closed XXXX. I called XXXX regarding the information after speaking to XXXX XXXX, who had no record of a previous delinquent account in my name. According to XXXX, Convergent used a completely different social security number from mine. I also found an official news article regarding other people 's fraudulent experiences with Convergent.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened an account in Citibank with promotion code XXXX. 
The terms of this promotion is as follows : Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Citibank Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 
THE ACCOUNT WAS OPENED ON XX/XX/XXXX AND THE DEPOSIT OF {$50000.00} WAS COMPLETED ON XX/XX/XXXX. 
PER THE REQUIREMENT, THE BONUS AMOUNT SHOULD HAVE BEEN CREDITED IMMEDIATELY AFTER THE 90 DAY PERIOD WHICH WAS XX/XX/2016. 
I HAVE BEEN CALLING CITIBANK AND ALSO SPOKE TO A MANAGER AT THE CITIBANK XXXX XXXX BRANCH : PERSON : XXXX. AND THEY KEEP TELLING ME TO WAIT AS THEY ARE DOING AN INVESTIGATION ON THIS. 
I WOULD LIKE THE BUREAU TO INTERVENE AND GET ME MY MONEY ASAP. 
THANKS
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (OR)

discharged from bankruptcy XXXX 2015 I have paid my mortgage every month. Mortgage company sold my loan to another and new company saying I owe XXXX or will foreclose on my by XXXX XXXX. I provided proof of my mortgage payments still they persist that my account is delinquent.
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green Square Company LLC. (TN)

I was never told that this would not be covered under my insurance. They have people coming and going like cattle. I was referred here for information only. They took an enormous amount of blood and sent it to their own personal laboratories. They are cheating people by the tactics they are using. They should be investigated!!
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

i really dont know where to start but im not really happy with my mortgage financial company i have been with hsbc for 14 years and this last 2 years has gotten crazy i had problems with them since day one but this is getting very stress for me, so here i begain XX/XX/XXXX i paid my house payments and XX/XX/XXXX i went on vacation and my husband XXXX had called me and told me that hsbc called and said that i hadnt made any house payments since XX/XX/XXXX so i proceeded to call them and they said no they didnt say that and so i got it straighten out and thought we were doing ok for year XXXX XXXX at the beginning of the year i recieve my bill in the mail like my first statement for XXXX so then a few weeks later i got a bill for XXXX i proceeded to pay it then i thought very thing was ok no phone calles no lettters until XX/XX/XXXX XXXX i started getting foreclosure notices and i called and they said we were behind 6 month of payments and i told they needed recheck the records and so i didnt want to fight with them i cried and had to tell XXXX and so i agreed to pay a payment of XXXX and they also said i wasnt making the full payemn of XXXX i never reicieve a notice i was going to refiance and ran into errors they hsbc hadnt put it on our credit for 1 year i called and asked why and they told me that they havent done it for a year so i had got an email from XXXX and and i called and they put it back on my credit and they insisted that i was 3 months behind i paid the XXXX and i asked when it was going to going to be posted and they told me that day and as of today XX/XX/XXXX, its not been posted and i have to do a phone conference with XXXX on XX/XX/XXXX so she can do a defered payment and she asked when i would make the XX/XX/XXXX payment i told her on jauary XXXX and im calling that payment so i can get a reference number this has cause me so much stress i had to put a hold on paying other bills, and the broker called me and told me he couldnt refieance me for another year and with them hsbc changing my payment date from the XXXX of the month to the XXXX of the month is going to show me late and they have showed on my credit from day one that i was always late because they would hold the payment for 2 or 3 weeks they are a really hard fianacial company to work with im XXXX and want to refiance but they are ruining my credit
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I open a checking Account with Capital One Bank. I received a refund from a merchant for a couple of purchases. The bank put the refund into my account more than once and after they made the mistake, they then charged me over limit fees. I 'm on a fix income of SSI. I refuse to pay these excessive fees. This is a form of swindling. Which I consider a White Collar Crime.
Consumer complaint received 2016-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened a line of credit with Huntington Bank. The account number I am referring to is # XXXX and it is attached to some land I own in Michigan. I asked the bank for statements a long time ago and never received them. I am currently selling the land and I asked for statements covering years XXXX through XXXX. I originally talked to XXXX there about these over a month ago. When I never received them, I called back and she said she put the wrong account number on the request. I again asked for these statements and the bank demanded {$900.00} for copies. I told them I needed to check some discrepancies on the loan amount. I plan to pay them off, but I need to go over these documents. I called to talk to XXXX 's manager, XXXX XXXX, but she was unavailable. XXXX said the bank is demanding payment for the copies or they will not supply them to us. I told them it is in their best interest to give us the copies so we can check them over, but they refused. I want to get this loan paid off but the bank will not work with me on this information. I am disputing the amount they have down of {$14000.00} for cash advances and {$7000.00} for purchases. I am trying to find out where these figures came from when I do n't remember authorizing these charges. A copy of these statements would help to clear this up, but I am a XXXX and can not afford to put out {$900.00} for copies. I have tried to work with this bank to get this resolved, but to not avail. I really need your help. I want to make sure the amount showing I owe is accurate. It seems too high since I have been paying for such a long period of time. You would think the bank would help me so I can resolve this and pay them. Again, please help because they will not budge for me.
Consumer complaint received 2024-10-12
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: PNC Bank N.A. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.