davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My checking account was charged fees of XXXX for XXXX overdraft for 7 business day ( 9 calendar days ). On XXXX my checking was assessed an overdraft fee of XXXX for a check presented against my account ( XXXX ) for {$200.00}. My balance was XXXX after submittal. I received no notice in the mail on this item and was assessed XXXX sustained overdraft fees during this period. The first was on XXXX and the second sustained overdraft fee on XXXX both for {$30.00}. I understand the initial overdraft fee being assessed of XXXX. However, I find the sustained overdraft fees to be abusive and predatory in nature. Not long ago, sustained overdraft fees were generally applied after 10 business days. This time of 10 days allowed for the notification time that may occur for when a client may not be aware of this event. In my case, XXXX were applied before 10 calendar days occurred. Out of curiosity, I used an interest rate calculator to determine what this interest rate might be if I were to convert this small matter to a loan situation and I was told that the calculator could not estimate the rate because it was too large. So I adjusted the amount I was negative to XXXX ( but in reality XXXX ) against the total amount I would pay to rectify the matter of XXXX and the interest rate amounted to 192 %, which I believe is above predatory. I feel that 1 ) this matter is very abusive, borderline criminal. 2 ) the policy does not allow for sufficient communication time to allow for rectification IF it was determined that the abusive extra charges should be allowed to continue. Again, I do not believe Citizens bank should be allowed to pile on these types of fees with this level of ferocity. I do understand that Citizens bank is a business and that profit is their motive but this policy and practice is a pure money grab with little or no notification to it valued client/fellow citizen. Please feel free to contact me at XXXX, thank you XXXX XXXX
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Received XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXReceived XXXX additional XXXX due statements but no XXXX due statement Called XXXX CCO customer service, XXXX XXXX She said all {$1000.00} was applied to principal and will correct it in XXXX business days and will send the XXXX due statement within 7 business daysReceived XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXDid not receive XXXX due statement Called XXXX CCO cust service, XXXX XXXX XXXX She said that all of the XXXX {$1000.00} payment was applied to the principal and late fees were charged. She said she will fix it and remove late fees and nothing would be reported to credit bureaus. She asked that if I had an extra statement, I should pay by XXXX. 
Using XXXX of the XXXX statements I received for XXXX due date, I made a copy with XXXX on it and Paid XXXX, {$1100.00} [ XXXX + XXXX on extra principal ], check # XXXXReceived letter dated XXXX from CCO on XXXX concerning overdue, late fees, sending to credit bureausReceived XXXX due statement XXXX with amount due $ XXXXThroughout this whole time, CCO has been calling and not leaving a message at least XXXX per day. I thought it was sales calls since the caller ID showed Citizens and not CCO, I did n't make connection. 
After the letter and last statement received, I picked up on XXXX at approx XXXX. 
After trying to explain the situation and asking for help, the man insisted that I was behind andthat I send payment and late fees. 
I have never been late on a payment and I would like CCO to apply the proper amounts to my account and not all of it to principal. I would also like them to correct these mistakes that they have made in the last several months and remove any credit bureau reports of late or missing payments.
Consumer complaint received 2016-10-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (CT)

I had previously submitted a complaint # XXXX against XXXX XXXX Bank that was successfully resolved in XXXX XXXX. It seems XXXX XXXX Bank has merged with KeyBank and now the same issue is happening. I retired in XXXX for health issues. Now living on fixed income. My payment is late every month I acknowledge I am unable to pay on due date because of the time of month my pension is received. I have not missed a payment in 4 years & pay late fee each month. Every month the bank would call everyday at least once despite my asking them in writing more than once not to. They claimed to have not received the letters despite receiving the payment attached to them. At that time the harassing calls stopped. Now the calls have begun again under KeyBank & they have even called my husbands cell phone & he is not on the account. Today I spoke to a representative asking again to not call me & to send all communication by mail. Please advise.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (MD)

VETERAN BEING DISPLACED!! 1 ) Purchasing Lender/Servicer Residential Credit Solutions ( RCS ), did not recognize a fully ratified permanent loan modification in force they acquired from XXXX, although provided the requested written, notarized documentation which was requested by lender single point of contact ( SPOC ) : MODIFICATION AGREEMENT INCLUDED OVER XXXX PRINCIPAL REDUCTION!! Client complained to HIP, the Counseling agency and counselor who originally secured the loan modification, and when housing counselor brought the oversight to the attention of Servicer ( RCS ), the SPOC requested the necessary documentation to rectify the situation. The documentation ( copy of notarized agreement ) was provided immediately via overnight mail. We were assured the situation would be rectified. 
2 ) Servicer continued to solicit full mortgage payment from homeowner in writing and verbally, and issuing mortgage delinquency warnings despite the modification in force and would not acknowledge existence of the modification despite homeowner 's repeated efforts at communicating this to serivcer during telephone inquiries, and having provided the written, notarized, ratified agreement delivered to servicer. 3 ) Despite homeowners attempts at reinstatement with large sum payments requested by servicer of {$12000.00}, and {$16000.00} via certified funds, payments were returned to homeowner as insufficient even though these amounts were requested by the servicer, and foreclosure proceedings were continued! 4 ) Homeowner applied for and participated in mediation, by which time they were disqualified from favorable HAMP modification. 5 ) Client reapplied for modification was denied although homeowner 's son living in the property is A VETERAN HAS PLEDGED HIS FULL INCOME XXXX in monthly payment contribution!! 6 ) We are in the appeals period and seeking legal assistance.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Shellpoint Partners, LLC (OH)

In XXXX my spouse and I had to file chapter XXXX bankruptcy due to the economy dropping and me losing my job. This loan that is being reported was attached as a XXXX mortgage in was included in our bankruptcy, we have all documents supporting this. The loan was originally thru XXXX which then later was turned over to Resurgent XXXX in XXXX we still owed them XXXX the bankruptcy courts did file a motion and had this loan stripped/voided officially in XXXX leaving us responsible for the amount chapter XXXX bankruptcy agreed on of XXXX was paid on the principal amount due. It was paid off by the end of our bankruptcy in XXXX XXXX. So in the middle of all this somehow the loan was transferred or sold to New Penn Financial services which kindly removed all false info reported to the credit bureaus and we have been fine with them, but when they sold the loan to Shell Point Mortgage Services. Things went very badly Shell Point who is now unfairly reporting to the credit bureaus saying we are 120 days late, since XXXX XXXX, and our last payment to them was for XXXX in XXXX of XXXX. This is nowhere near correct, we do not know who Shell Point Mortgage Services are, we never sent them any money for anything, we have never dealt with them and the loan was not settled with them! That XXXX mortgage loan was included in our chapter XXXX bankruptcy in XXXX, by XXXX was considered stripped/voided in the bankruptcy and the only way we know it is in fact the same loan is because we matched the acct last XXXX numbers they show on the account to the Resurgent XXXX acct that our loan at the time was being paid back too. This was an original XXXX mortgage loan from back in XXXX XXXX. Shell Point Mortgage Services keeps sending false update payment info to the credit bureaus and they are reporting false information about this acct. We need help. Our hands are tied We have XXXX XXXX Firm helping us get all our credit reports corrected, but Shell Point stays XXXX step ahead of them and keeps changing it, they started doing this to me and my spouse last yr in XXXX and keep falsely sending incorrect information about this dead acct in order to keep hurting our credit. We need them to stop!!! We ca n't do anymore we have proven all our info, and what happened in the bankruptcy to Shell Point, to XXXX XXXX, and to all XXXX credit bureaus we do n't know what else we can do. Please help!!! We ca n't afford to hire an attorney to sue this company for harassing us by unfairly reporting false information and updating it whenever they want with the credit bureaus making it look like a current 120 day late acct, when it is not!!! We have recently discovered XXXX XXXX XXXX, Resurgent XXXX XXXX XXXX, New Penn Financial and Shell Point are all related companies, which in turn makes it to where the loan is still being pursued by the same company included in our chapter XXXX bankruptcy.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There were XXXX liens appearing on my credit report. NYS Taxation vacated XXXX liens which were always erroneous. I provided letters showing the vacating of the liens to TransUnion. Instead of removing the liens, they reported the liens as being paid later and to be removed from my credit report later. XXXX are adverse actions to my credit and not reflective of the documentation that I provided from NYS Taxation and aknowledged by the XXXX County Clerk.
Consumer complaint received 2016-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (TN)

US bank Acct # XXXX XXXX XXXX TN XXXX PH # XXXX XXXX US Bank XXXX TN XXXX PH # XXXX Bank Manager XXXX XXXX First of all, I 'm on XXXX. My wife died some years ago.She handled all the finances. 
That 's why it took long for me to catch it. It was actually a bank teller who told me I was paying for something I did not need. I think she had a conscience. That 's how I caught it. 
A couple of years back, US bank called me and told me I was in overdraft and should come in right away. I did n't understand why, but I went anyway. I thought I would pay a fee and be done with it. The person at the bank insisted that I needed overdraft protection. I said I had plenty of money in my savings account, and that I would transfer money from there to checking. She kept insisting that I needed overdraft protection. 
Recently I discovered I was signed up without my permission. I specifically said I did not want this. I was signed up for 21 % or XXXX dollars a month for overdraft protection.This has bee going on for quite sometime now. I 'm an old man who needs this money for medication and, well every thing to live on. Like I said, my wife handled all the finances before she died. That 's why It was so easy for them to do this to me. Like I said, if the teller had n't caught it, they would still be stealing from me. I 'm just not good at catching this stuff. When I called the bank manager, to tell her about the money taken from me all this time, she said it was all my fault for not catching it sooner. That I should have caught the 21 % on the XXXX dollars that came from nowhere, or the XXXX dollars a month. She said it was my fault for not keeping up with account. when I asked to see documentation for when this occurred, she said she did n't need it. Really! I am debt free. I have never needed over draft protection. There are people, the sick and elderly me who are easy targets because they are most likely to overdraft. I hope you can help me, but I guessing by now the Banks have gotten good at this.I just found out there charging me XXXX $ for something. Please help. XXXX Tn XXXX ph # XXXX XXXX US bank XXXX Tn. Bank manager XXXX XXXX XXXX pk XXXX
Consumer complaint received 2016-04-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (AL)

I have a home equity line with bbva compass bank in XXXX Alabama and I had it for years with no problems. The bank suddenly decided to suspend my account and close it and force me to Pay back the loan over a restructured payment plan over 15 years. I am current on my payments and I was never late so I do n't know why they are doing this .the account was active and in good standing
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

XXXX XXXX is providing the wrong information for a debt in order to damage my credit. They are reporting that I owe {$1800.00} to the credit bureau through NCC Business Services. They are reporting that I owe them for the month of XXXX, XXXX rent. Late fees, XXXX damage fees and a cleaning fee of {$75.00}. cable and water. I paid the rent for XXXX and water XXXX money orders were cashed. The cable was disconnected in XXXX - XXXX. The manager refused to do a walk through and the office would n't answer my calls so I took pictures of the apartment upon moving out. I cleaned the apartment thoroughly. I also stayed there for two years so any cleaning would be normal wear and tear for after two years. There was no damages or over cleaning that had to be done and I do not know what damages they are referring to. I stayed until XXXX/XXXX/2012 which I have proof of with a moving truck receipt. I believe they are trying to retaliate against me because I filed a complaint against them with the XXXX. The manager refused my payment in XXXX and filed an eviction against me. I tried to make the payment several times but she pursued with an eviction in effort to damage my credit history. When she filed the eviction, she kept my money order so I was n't able to deposit in to the courts and was granted an eviction. I moved out before the sheriff could come out and evict but I had no cable in XXXX and XXXX XXXX verified that the cable was disconnected XXXX/XXXX/2012. The {$1800.00} charge is including cable for XXXX, and XXXX. I also paid cable for XXXX even though it was disconnected. I called the apartment to question why she was reporting false information and she said take it up with collections and hung up in my face. XXXX is the only credit agency that refuses to remove the debt.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

I have an account with PNC Bank in Pennsylvania. I setup an online mortgage payment for XX/XX/XXXX. PNC disbursed a check to my mortgage company on XX/XX/XXXX, postdated for XX/XX/XXXX, then allowed the mortgage company to cash the check on XXXX which caused 1. my account to be overdrawn and 2. The check to be sent back and then redeposited. I was charged a NSF fee and called to find out if the check would be honored on XX/XX/XXXX. PNC could not give me an answer and suggested to be safe that I set up another payment. So because I was traveling out of state by train and knew that I would have no access to a phone or computer I scheduled a backup payment for after I returned on XX/XX/XXXX. PNC again disbursed the payment on XX/XX/XXXX ( the original payment had eventually been honored on XX/XX/XXXX ) causing my account to be overdrawn again and charging me another NSF fee. When I called them to have the payment stopped I was told that I would be charged for stopping the payment and for the fax to the mortgage company requesting that they do not re-deposit the second payment.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted credit reporting agency TransUnion multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that TransUnion is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Consumer complaint received 2015-07-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC. (FL)

Received phone call from XXXX, a company called XXXX regarding an alledged debt I owe to their client. Claiming I owe for a payday loan? I do n't and have n't used any payday loan company ever. Thank you.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with TRANSUNION was never late! I have had exceptional payment history 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 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!

Update the late payments from my consumer reports
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been having the same issue with these company I have tried to refinance my home and each time they report the inquiry incorrectly they are required to report them as XXXX as long as they all fall within the one month time frame, there should be no more than XXXX inquiries on my report. Transunion has placed information on my report that has alredy been disputed and corrected there should be not missed or late payments on my trans union report ( XXXX ). 

Incorrect information on my credit report Account termsCreditor name/info, balance, payment, etc. 
Account statusPaid bill on time, account closed, etc. 
Reinserted previously deleted informatio
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My mortgage payments had been taken out of my bank account monthly by Huntington Bank since I got the loan. My last payment was supposed to be XX/XX/20. I got a statement ( as I had every month ) stating that {$1000.00} would be taken out. I got another statement on XX/XX/20 ( dated XX/XX/20 ) that my last payment was actually {$870.00} including interest and a recording fee. However, since it was due XXXX, interest would be charged per day. When I called them, they said to sign and fax the form that allows it to be taken out of escrow, which I did that day. I wrote on the bill that I should not have to pay additional interest since they wrote the letter the day before the due date, and I didn't get it until XXXX. I got another bill on XX/XX/20. Talked to XXXX who said the payment will go through with no late fee and he will request that it get backdated to XX/XX/20. Then I got another bill dated XX/XX/20 with a late fee of {$41.00} and additional interest added. Now the bill is {$910.00}. I called again and was transferred multiple times with everyone saying that they don't handle that in their department, my payments had never been automatically withdrawn, or they don't see any interest charges. One person, XXXX, stated that I will get a refund from the escrow. However, they still took out {$910.00} from my escrow which was not the correct amount. XXXX stated that " I didn't pay the {$910.00} so what was I complaining about? '' Seriously, this woman works in the banking industry? I paid the escrow! 

All documents I received are attached.