davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (ID)

They have called from personal cell   XXXX .phone numbers called multiple times in a day called my work number after being told not to call Phone logs available. Sent there vice VP into my work even after being told not to call making field visits to  my office! Leaving detailed messages on the voicemail. Voicemails also have been saved.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (AL)

I have tried numerous times to resolve an issue with my account owned by  Continental Finance  in regards to there subprime  XXXX  credit card. I closed the account in  XXXX  of   XXXX   after my finances too a hit and I was no longer able to pay for the credit card bill. At the time I informed the representative I was unable to make the payment at the time and asked would that be the balance owed on the card that I could pay at a later date. I was informed YES.  W  ell Continental Finance co ntinued to charge me interest, late fees, added an overlimit fee and then charged the card off.     Now we come to me sending a money order to pay the account off. I was informed the money order was never cashed, please reference CFPB case #  XXXX . I then talked to a representative that advised me to do a payment plan which I never agreed to. I never received anything in the mail in reference to the payment plan either. Subsequently, I call  XXXX  again to get an update. I still got the run around.     So, I call the company back again. The account had a {$0.00} balance which at that time nothing could be worked out because of that. The issue was corrected an now I 'm back to square one. They are constantly reporting a charge off each month since  XXXX  damaging my  credit score , they have charged me an excess of fees that I should have never been charged for. I also paid {$50.00} to get the card as a deposit which was n't applied to the balance when I closed the card, in addition the credit card insurance that i paid for every month was never put into affect after my loss of income. They will not validate the debt with statements and I can never get anybody to call me back to work out some type of agreement. Please help, I do n't know what else to do.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2017  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Loan Science, LLC (SD)

On  XXXX / XXXX / 17  I called  XXXX  to determine if I could refinance my 9 % interest rate on a $  XXXX  pri vate educational loan. They were n't showing any options available and directed me to Loan Science ( the lender ). I called Loan Science. The customer service rep told me a program to lower my rate was available 2 years ago but is no longer an option. I was not informed of this program, to which he  agreed. He said that I was n't contacted because I was making payments and that no options now exist. I am concerned that I was never informed of this program and I also do not believe it to be good practice to only extend offers to people who are in default.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TX)

RE : CFPB case numbers :  XXXX  ;  XXXX  ;  XXXX  ;  XXXX .      XXXX   XXXX  and I agreed to a payment plan to keep my disconnected account in a current status, and autopay was set up on an agreed-upon payment schedule. After a couple of months,  XXXX  sent my account to collections without notice. I paid a deposit via telephone to the collection agency,   XXXX   XXXX  , and proceeded to obtain another payment plan. Several months later,  XXXX   XXXX  resells my account to  XXXX   XXXX . Meanwhile,  XXXX  and these collection agencies continue to not honor our agreement when they cancel the payment plans without notice, and while they continue to add collection fees with each new subsequent collections agency. The response from   XXXX   XXXX   advises me to contact  XXXX   XXXX  directly.  XXXX  states they no longer have the account as it has been sent to collections. All parties pr  ovide conflicting information!
*** U  PDATE  XXXX / XXXX /   2017  :  XXXX   XXXX , o  r one of its agents, has now resold my account to Receivables Performance Management LLC ( " RPM '' ).
Please view the attached PDF files for furthe  r information regarding relevant CFPB cases.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (WA)

I want to complain about Citi mortgage service. 
I applied for refinance back on XX/XX/XXXX. However, it still hasnt been closed now ( Today is XX/XX/XXXX ). so Its been 6 months without closing. The due date and rate lock due date shows on their website is a joke!!! The date was postponed 3 times until now. I was asked to submit some documentation on XXXX XXXX but after that I havent heard anything back from them. I tried to directly email, call the loan officer, associate, assistant that used to have communication with me. but I got nothing. no email reply. thousands of voice mail, but no picking up. Finally the loan officer gave us a call on someday XXXX, XXXX, but the conversation didnt help at all, just let us keep waiting. 
I am also a XXXX customer, and the customer service also doesnt help at at all. They just redirected me to the mortgage department. and speaking of mortgage department, its the worst customer experience I have ever seen. Not only because I was treated rudely, also not helpful at all. I called them for any solutions. Guess what they proposed. They told me to cancel the mortgage. Excuse me, if I want to cancel the mortgage, why would I waste time calling you? 
Today I got an email form them to provide some updated docs, but the mortgage is still pending underwrite. I emailed back and ask for them to give me a call back. but again. I was ignored. 
I do appreciate the competitive rate they provide, but Im actually losing money if I keep waiting for close. 
I really want to type the name of the loan officer and associate here, but it will be against the rule.

Im really exhausted working with Citi at any point. I just wish the mortgage can be closed soon. If they postpone the due date again, Ill definitely consider canceling it. So disappointed.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I  filled out an application with USAA for a credit card. Instead 0f telling me whether I was accepted or not - they requested that I make an account with USAA.I called and they said that I needed to accept a text message security code to find out if I have an account with USAA. To me that 's putting the cart before the horse. I request that USAA delet e all information gathered by my application process and cancel my application-no harm no file.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2017-05-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

On XXXX XXXX 2017 a Short sale Offer and application was submitted to Chase Home Mortgage for the property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX through the Equator system and it was received in that system. The Borrower for this property, XXXX XXXX, and I have continued to work with Chase Home Mortgage on the Short Sale offer since then. I have included the Equator pages showing the messages and requests back and forth between the file processor, XXXX XXXX, and me. All Purchase Agreement documents were submitted and received by Chase Home Mortgage by XXXX XXXX 2017. The completed application had been submitted previously and was accepted as complete by Chase Home Mortgage prior to XX/XX/2017. As a result of having received a completed application for the Foreclosure Avoidance option selected by the Borrower, a short sale, any foreclosure process should have been halted per Dodd Frank regulations regarding the process known as " dual tracking ''. This process is also not permitted under State of Oregon regulations as well and a complaint has been filed by me with the State of Oregon Department of Justice. The Borrower received, on XX/XX/2017, by legal process server, a notification of a pending foreclosure sale date. That notice is included in the documents I am providing to accompany this complaint. The sale date is now set for XX/XX/2017.
It is apparent from the document trail and messaging trail I have provided that Chase Home Mortgage is guilty of " dual tracking '' and is in violation of the Dodd Frank Wall Street Reform and Consumer Protection Act.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

An unrebutted affidavit stands as truth and judgement in commerce. I think we all know truth is sovereign in commerce. On XX/XX/2021 I sent XXXX XXXX XXXX XXXX a Negotiable Instrument # XXXX ( {$19000.00} ) to discharge remaining car balance. I sent a little more than the requested amount because they had added on XXXX worth of car insurance and I had late fees as well and I wasn't sure of any other fees that they might try and add. I wasn't requesting any amount back/change. I just wanted the account closed and settled. Also sent was a Affidavit of Truth, XXXX point Proof of Claim, and a copy of the payoff letter. They never responded so I had a notary mail the same documents again along with a Notice of Acceptance on XX/XX/2021 with instructions to respond to the notary 's address. They never responded. On XX/XX/2021 I had the notary send the same documents again along with a Notice of Default and Opportunity to Cure with instructions to respond to notary 's address. They never responded. On XX/XX/2021 the notary issued XXXX XXXX XXXX XXXX a CERTIFICATE OF NON-RESPONSE for they're dishonor and failure to respond. I just don't understand what gives them the right to ignore my correspondence when there is a contract involved and then falsly label my account as charged-off when clearly I tendered payment which they never sent back. If there was a problem with my instrument they were to send it back to me with evidence of fault and allow me the opportunity to cure which they failed to do. I followed procedure under N.C. 25-1-202 I gave notice. N.C. 25-3-603 ( b ) states that if tender is refused there is discharge, to the extent of the amount of the tender. XXXX XXXX XXXX XXXX never gave a reason for their dishonor.
Consumer complaint received 2017-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Hello, I am writing to express my dissatisfaction with how Navient allows its customers to change their payment amounts. Recently I increased my payment amount to more than the minimum payment, however following a restructuring in my pay I wished to change it back to the minimum payments. When attempting to this online, I found that I was unable to change the payment amounts. There was no method to either increase or decrease my payment amounts. Once I was able to speak to a representative ( Navient Company ID : XXXX ), she said " The system wo n't allow me to change the amounts, we will need to put in a request to have the amount changed. '' When I asked if I could de-enroll in auto-pay and then change the amounts she in informed me that I was receiving a .25 % lower rate for using auto-pay. She informed me that the matter should be resolved by XX/XX/XXXX, and that my XX/XX/XXXX payments should be at the lower amount. I asked for that in writing so I could have a record, and she informed me that they could not do that until the matter was resolved. In the past, I 've found Navient 's promises to be empty and I do not see '' Should '' statements by Navient employees as being worth the breath to speak them. So my options were to hope that the matter was resolved and I would not be over charged on my XX/XX/XXXX payment, or I could de-enroll in auto pay and have my rate increased. It sounds like no real good option for me the customer. I am not asking to pay {$0.00}, I am asking to make the minimum required payment. I feel I should be able to adjust my payment amounts up or down in the same way I can easily do with my personal bank and personal credit cards ( which I can adjust simply and easily to allow for peace of mind and flexibility to go with my unique income situation ). Navient unnecessarily obfuscates and purposefully creates complicated systems to take advantage of people like me who are struggling under the burden forced upon him by the education system and predatory companies like Navient and XXXX XXXX. I am upset that I do n't know the status of my payment next month, that I can not budget around other bills, rent, food, etc because of an over complicated system forced on me by a company trying to take advantage of me.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax and  XXXX  are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted   XXXX    XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

On XX/XX/2017 I received a credit alert from XXXX and it informed me that a collections from XXXX XXXX  was added to my credit report in the amount of {$360.00}. I called the collection agency who never identified themselves as a collection agency and spoke with a customer service representative. They stated that I had a balance owed from XXXX and they were hired to collect the balance. The informed me that they had the account since XX/XX/2017, but they never sent any notification or request for payment. I informed them that I did not owe a balance to XXXX and asked them to remove this collection from my credit report. The customer service rep stated that Convergent did not own the account but they would dispute it. This called was made on XX/XX/2017 at approximately XXXX on a recorded line with a rep named XXXX XXXX . At XXXX XXXX, I contacted XXXX and inquired about the balance. I spoke with XXXX at the call center who researched my account and saw that I had no balance.. She stated that XXXX does not work with XXXX XXXX and was concerned about how they obtain my account information. XXXX agreed to provide me a letter within twenty-four hours via email to provide proof that I do not owe this debt and that they have no relationship with Covergent.
I was informed that this may be a scam of some sort and XXXX is investigating this issue.
Consumer complaint received 2016-09-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

I made a sale through Ebay, the customer paid via Paypal and I did not receive said payment for over 36 hours. I had to go ahead and ship the item due to Ebay 's policies so I could keep my high ranking. I was not notified by Paypal of any issues and had to aggressively pursue contacting them where I received less than adequate support and NO follow up. This was not an isolated incident, many accounts were affected, some had bank accounts hit a negative balance because of this. Paypal did not compensate us in any way ( a waiving of fees for the transaction, like Ebay has done in the past would be a step in the right direction ) nor have they apologized. A big company should not be allowed to hold people 's money hostage with no recourse available. Very unhappy.
Consumer complaint received 2015-08-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SC)

I 've had a mortgage with Roundpoint based in XXXX, NC since XXXX of 2014. I have a fixed rate mortgage. They have several times attempted to raise my rates, increase my monthly payment, and then charge a late fee. That issue was finally resolved after several months. Then I make payments through their online system which they will not accept. When I call the company, I am transferred and kept on hold for hours, unable to speak with someone about making a payment for the correct amount. I have been given directly conflicting information about the payment schedule by the representatives. Everytime I am able to speak with someone, I am told to sign up for automatic billing which I do not want to do, as they have often charged me incorrect amounts. Every month its a problem. Finally, this month, I mail all of my household bills off on the same day. Every check has cleared except ( guess who ) Round Point. They called me to tell me they will be adding additional fees to my account for a late payment. Then they said they may have already received it but the " system has n't updated ", in which case, I am still being charged and having a negative report on my credit. I called back to speak with someone after verifying with my bank, and I was put on hold then " disconnected ''. Which seems to happen at such oppurtune times. I think they are routinely and deliberately finding ways to overcharge customers. Every month. I could understand maybe XXXX or XXXX mistakes within this period of time, however, this must be deliberate. I would greatly appreciate any help that could be provided. Thank you.
Consumer complaint received 2016-12-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Allied Servicing Corporation (TX)

Allied Servicing Corporation, a debt collector, is attempting to foreclose on property that my family has superior interest in. Allied Servicing Corporation has not provided any legal documentation authorizing them to collect on this alleged debt. They have not provided me with any proof of a recorded mortgage assignment authorizing Allied Servicing Corporation to act on behalf of any creditor for this alleged debt. 

At this time, I am formally disputing this alleged debt and requesting Allied Servicing Corporation to provide me with the following documents in accordance with the Fair Debt Collections Practices Act ( FDCPA ) : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this alleged debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.