davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRSTBANK PUERTO RICO (PR)

Made a deposit in automatic cashier, the machine got locked and freezes without acknowledging the cash amount deposited in account. I went to the bank immediately and they just told me to wait and to file a complaint. The complaint number is XXXX, I have been following up the issue and nobody explain the process and every time the dates for the investigation to end changes. It was a cash deposit, very easy to corroborate the mismatch and to adjust the money in my card/account. Bank is playing with my money, not willing to resolve the issue in a reasonable time frame period. ( They told me it could be up to 90 days to finish the investigation ). I made the complaint on XXXX XXXX, the money is for my daugther tuition and need it as soon as posible.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Acct. Name Acct. XXXX 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 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 reported in months that are reported late to be removed.

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. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 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! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-07-18
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. (SC)

I recently disputed these account on XXXX XX/XX/year> and received notice that my account have been updated. I would love to know how Experian completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. I am very interested to learn how your investigators arrived to this erroneous conclusion. 

XXXXXXXX XXXX XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late XXXX XXXX XXXX XXXX XXXX Never Late XXXX Never Late
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

INQUIRIES / Hard pulls/Negative Also without my permission from XXXX XXXX XXXX Trans union and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CITI XXXX
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RAYMOND JAMES BANK (WA)

XXXX XXXX does not follow up with borrowers about foreclosure, they do not communicate with a law firm when XXXX is assigned to represent the borrower. They do not keep track of received documents nor do they have a dedicated person reviewing those documents for accuracy. A Short sale file was submitted to them on XXXX XXXX. After attempting to fill their document needs they closed the file because we did not get them a complete package in time. All this without communicating what was missing or following up. When calling you are forced to deal with a customer service person that does n't know what is going on with the file. Now these borrowers are going to be foreclosed on because XXXX XXXX does n't know how to work short sales.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Dear CFPB, I am writing you because I am fed up with Fifth Third Bank taking advantage of my funds. Fifth Third Bank has gotten so comfortable with cashing checks through an account before applying the deposit when they come in at the same time. Fifth Third Bank is know for posting the incorrect date of the checks posted towards your account to look as if the checks posted before your deposit. Please know that I speak for my retired mother whom has been take advantage of too. My mom has been with Fifth Third Bank for 30 years and purchase her home through them as well. Due to me presently been laid off work I am just in tears about how they have been taking my money and getting rich unfairly at the sweat of the less fortunate in society. Please, please, investigate Fifth Third Bank and how they are cheating people out of there hard earned money. 
I look forward to you helping me, Despondent Customer
Consumer complaint received 2015-07-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/XXXX, I was called by Fifth Third Bank in the XXXX of XXXX to encourage me to invest money with them for better returns than expected with regular certificate of deposits which were often paying less than 1 % /year at the time. The investment banker recommended a 5 year stock CD offered through XXXX. They told me clearly that, not only is my principal fully guaranteed, but that I would get a return of 7.5 % /yr to 12.50 % /yr depending on the stock performance. There were XXXX stocks in the portfolio. Therefore, they ensured me that 7.5 % /yr return would be the worst case scenario. However, it was clear after the first 6-12 months that there was going to be 0 % return for the next 5 years and I was not allowed to withdraw early at any time before 5 years, otherwise I would lose a part of my principal investment as well. The investment matured on XX/XX/XXXX accruing 0 % interest over the whole 5 year period. In effective, this bank fraudulently took an interest free loan from me for 5 years, at which time they certainly invested or loaned it out to others for high profits, returning only the principal to me! This is clearly a fraudulent investment vehicle with false promises and a means for the bank to get your money for a long period of time without your ability to get it back when you want. They have given me no apologies or explanations for this. This investment vehicle needs to be stopped, the bank needs to be fined or disciplined, and I should receive compensation for unnecessary loss of income. If I had put the same amount in a regular CD at a mere! %, I would be ahead a significant amount of money. This bank is taking advantage of gullible and trusting consumers. They can not be allowed to continue in their same ways!!
Consumer complaint received 2015-04-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pollack & Rosen, P.A. (FL)

Pollack & Rosen began calling me indicating that they were representing XXXX XXXX XXXX XXXX XXXX in reference to a debt that I have with Portfolio Recovery. They began calling on XXXX XXXX, 2015, in which they called 4 times in that XXXX day, but they did not leave a message. The debt is for a XXXX XXXX XXXX account with XXXX. I informed the representative from Pollack & Rosen that I had made payment arrangements XXXX XXXX and that I have the paperwork that outlines the payment arrangement. The Representative, XXXX, stated that they did not have any record of this payment arrangement. He implied that he did not believewhat I said. I told XXXX that I would contact XXXX to make sure the arrangements were still in place. He began stating that they would file the necessary paperwork to file a lawsuit in my county if I did not make payment arrangements with them. XXXX made a veiled threat that if I wanted to make this " go away '' I would need to take care of this with their firm immediately. I again stated to him that I had made payment arrangements with Portfolio Recovery, their client, and that XXXX was satisfied with the payment arrangement and that I also have the paperwork detailing the payment arrangement. XXXX then put me on hold and came back to the phone stating that he had spoke with their " Lead Counsel '' and that Lead Counsel said that XXXX had retained them as their attorneys and they are going to proceed with filing a lawsuit. I donot understand how a law firm can go ahead and sue you when their client has already made payment arrangements with me. I have spoken several times with XXXX XXXX XXXX about this situation and they reassured me that they are satisfied with the payment arrangements that they had made with me. Also the representative informed me that XXXX XXXX XXXX had made a mistake in sending my file to this debt collection attorney. I have the paperwork from XXXX that states that they would not send my account to a debt collection attorney until after XXXX XXXX but they sent it on XXXX XXXX. I made payment arrangements with XXXX on XXXX XXXX, 2015. XXXX XXXX admitted their mistake, but this debt collection firm was extremely rude and threatening. XXXX, the representative from Pollack and Rosen also made the statement to me that " I seem to be an Intelligent person '', which I found to be extremely condescending. I feel that I should not be harassed for the mistake that XXXX XXXX XXXX made, and to which they admitted to, by this debt collection firm of Pollack and Rosen.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (AZ)

During my refinance, I was told that I had an escrow shortage of roughly XXXX, that needed to be paid. I have yet to receive an escrow analysis statement. When I called they indicated that my insurance increased by double. After calling the insurance company they indicated that was incorrect, my taxes had reduced and I should not have any shortage any where of this amount. meanwhile my payment will be increased by over XXXX a month. Insurance company indicated that during my disbursement XX/XX/2015, it was paid twice which was refunded. I received a check XX/XX/2015 ; I called Freedom, and they told me it was my refund. I asked are you sure I do n't need to send this to you, they stated no. It is yours, now here we are a YEAR later and they are charging me for the refund they sent to me. How is this legal? No statement either? I want this charge to be reversed-since this was an error by Freedom not the consumer-ME.
Consumer complaint received 2015-11-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (DE)

On XX/XX/2015 I sought a loan from Avant the loan is funded by XXXX in the amount of {$14000.00} the loan was deposited into my checking account on or about XX/XX/2015. I began to utilize the funds from loan to consolidate credit cards / bills, on or about XX/XX/2015 Avant did a pre authorized debit for the full amount of {$14000.00} from my checking account. This caused my account to fall approximately {$8700.00} negative, I immediately contacted Avant whom informed me that there was a huge error and that they would exspite a return. I continually attempted to contact Avant until about XX/XX/2015 an was advised that the loan remained paid off in full. This forced me to call my bank and file a claim for what suggested a fraudulent activity. XXXX began reversals of the funds and refunded me for various overdraft fees and NFS fees. I had to go approximately 2 weeks while my account remained negative, I was n't able to pay many obligations such as rent or other financial means. XXXX was able to retrieve my funds XX/XX/2015 and Avant is attempting to collect again on this loan.
Consumer complaint received 2016-10-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

Section One : FALSE OVERDUE NOTICES I am making a request for your office to determine why I am receiving letters stating that my mortgage payment is overdue and I am now being charged a late fee? 
Attached is an affidavit from my bank showing that all my payments from the past have been received and posted prior to the XXXX of the month since XXXX XXXX. 
2. Please find out what are my monthly payments? I have been sent a notice of {$950.00}, {$660.00}, and now {$740.00}. I would like to see the math on all of the above figures. How did my loan go from {$790.00} to {$950.00}? I would like to see the math. 
After a refinance in XXXX of XXXX, I have been making payments of XXXX. This is an FHA loan and includes principle, interests and hazard insurance. I have a 100 % tax abatement given to me by XXXX Country for persons who are XXXX and over and beneath a certain income since XXXX. 
3. I have also been sent a statement for late payments for the previous month for {$1500.00}. How was this tabulated? 



Section Two : ESCROW ACCOUNT/UNAPPLIED FUNDS 1. I finally found out last month there was some type of unapplied funds of XXXX. Why are these in an unapplied fund bucket? Where did the {$220.00} go of the XXXX? I have never made a partial payment. What check number was this? Please ask them to provide the check number ( see bank report for check numbers and payment ). I have never paid a partial payment. Please ask them to provide the check number and why money is missing.
Consumer complaint received 2016-11-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC. (CA)

Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have an auto loan with Fifth Third Bank. My payment was made on XXXX/XXXX/17 - BEFORE it would be considered late. I physically walked into the Branch and made the transaction at the Teller window and I have the receipt. I received a letter XXXX/XXXX/17 stating my payment had not been received and have been receiving collection calls for the account even though I have contacted the bank ( on several occasions since XXXX/XXXX/17 shortly after receiving the letter ). Several times, they have been told to stop making collection calls - by their own manager - and they continue to call me daily. They are still " researching '' it as they can see I made my payment ( they have place a copy of the receipt in the request on my account ). They have lost my check. I 've offered to provide a replacement check if they would pay for the " stop payment fees '' on the check they lost ( which they tell me they probably ca n't do ). If they do n't post my payment by XXXX/XXXX/17 it will be considered 30 days late and they will report a late payment to my credit ( I have NO LATE PAYMENTS on my Credit ) but assure me that since it is their fault, they will have that removed. I do n't believe them, I do n't trust them since this has been ongoing since XXXX/XXXX/17 and they are " still researching '' the matter.
Consumer complaint received 2016-09-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I enrolled in an HSA account with Fifth Third Bank with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee to do so and have slowly been bleeding the account dry by applying monthly service charges on it.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I was making regular payments to my home mortgage for a few years. My loan was eventually transferred to fifth third bank. I setup automatic payments through my bank. Fifth Third bank did not have an online payment method for non-checking account customers. At some point without my knowledge, my total payment due changed and the previous amount I setup did not cover the full amount. The bank did not apply my partial payment and stated I was late. I called Fifth third bank to rectify. They waived the late fee and said they would work on removing the record from my credit statement. I was able to immediately make the missing balance payment and have not been late since. My credit score has been severely negatively affected by this.
Consumer complaint received 2016-04-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a XXXX mortgage, called an Equity Flexline account. For over a year, I have been charged a monthly " Past Due '' fee of {$9.00}. I have not made a late payment during this time. Every other month I call or go in to correct the error, every monthly statement shows the fee. I have twice paid the fee separately. I have XXXX receipt showing the fee paid. I also have a statement showing the submitted request id # made to correct the issue.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (AZ)

We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). 
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. 
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. 
The bank 's mortgage transaction statements are totally confusing and not clear.
Consumer complaint received 2024-07-18
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-28
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: NAVY FEDERAL CREDIT UNION (MI)

On or around XXXX XX/XX/year>. Complainant submitted a detailed dispute notice through myequifax.com regarding false and misleading payment history regarding an Navy Federal Credit Union ( " NFCU '' ) credit card account. Specifically Complainant identified a false and misleading payment rating for the month of XX/XX/year>, which was reported by XXXX as 30 days past-due. Complainant pointed out that no such payment was due in the month of XXXX due to a payment modification. Attached to complainant 's notice of dispute was an approval notice from NFCU that indicated the account had a payment deferral from XXXX XX/XX/year> through XXXX XX/XX/year>. XXXX communicated the notice of dispute and accompanying documentation to NFCU. On XXXX XX/XX/year>, XXXX returned the results of the dispute investigation, which continued to show the 30 day past-due payment rating. XXXX 's purported investigation took less than twenty-four ( 24 ) hours making it unlikely that any substantive, reasonable investigation was conducted.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!