davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, I made a {$2000.00} payment with my XXXX Online account to be paid to my TD Bank Credit Card account. Paper check was delivered and deposited and cashed on XX/XX/XXXX. My card was denied on XX/XX/XXXX for nonpayment. I called and spoke with rep and they were to look into it. Meanwhile, I spoke with XXXX and was told it was sent and cashed out of my account. On XX/XX/XXXX after not hearing back from TD, had spoke with numerous reps and put on hold multiple times, asked to speak with supervisor to start Claims investigation to monies. Was told it would take 3-5 business days before I would know status. Multiple calls and reps after 5th day and again no one could figure out where monies were. Now could take 7-10 days. On XX/XX/XXXX went into XXXX TD branch and after sitting for 1 1/2 hrs to see banker, I gave them an image of check with the information from XXXX that ck had been since processed and assured that someone would look into it on Monday XX/XX/XXXX since now back office/credit card claims was closed. Never heard from anyone on Monday until I called to again check and they advised that they were going to start claim ( again ) and escalate it for investigation and it could take more days. Today XX/XX/XXXX is now past the 10th day since XX/XX/XXXX and have yet to hear where my monies maybe in the TD system. At this time I am extremely frustrated, unsatisfied, annoyed, inconvenienced, and more than concerned by how things have been handled and the amount of time I have spent on the phone to try and resolve this matter. I have multiple accounts with this bank since the day they opened and am very troubled and concerned with the safety of my monies and accounts and why a resolution has yet to be found. Meanwhile, multiple payments have bounced back and are due and I have had to make other arrangements with these accounts. And from a letter dated XX/XX/XXXX, TD is charging late fees and interest for overdue fees and will report to the credit agencies since not receiving payment. I need further assistance at this time to resolve this issue.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (PA)

Roundpoint Mortgage requested a copy of the flood insurance for my condo at XXXX XXXX XXXX XXXX XXXX NJ - which they should already have had. I sent a copy to them. They claimed they did not receive it. XXXX XXXX XXXX sent it a second time directly to Roundpoint on XX/XX/XXXX, and verified that Roundpoint received it. On XX/XX/XXXX I received a letter from Roundpoint stating they purchased a {$2000.00} " lender-placed flood coverage '' policy for me from XXXX XXXX XXXX XXXX . This was not authorized and not needed, because I already had flood insurance in force with XXXX XXXX. 

The money to purchase a second flood policy was taken from escrow, causing a shortfall in my mortgage. To recover the shortfall, they increased my monthly mortgage payments from {$2500.00} to {$2600.00}. The loan number is XXXX. 

To add to this nightmare, I sent in extra money to cover the difference in my mortgage payment ( caused by their error ), but they applied it to principal. This will now cause my XXXX mortgage payment to be short. I will incur late fees and penalty charges. They are also telling me it will be approximately XXXX  days for them to research, issue a refund, and- if they do agree to the refund- for the bank to send a check for the {$2000.00}. 

I was told the cause of this is, " a new system that is causing the same problem for a lot of people ''. Who is monitoring this company? It has been a series of problems since they bought my loan from XXXX XXXX. If they can not service loans properly action needs to be taken.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I have a Kay Jewelry credit card that I have had for 20+ years, now under Comenity Bank . My account was paid off for several years and I received notice in XXXX XXXX that I had to use it or I would lose it. I used the card for a random purchase in XXXX, and quickly thereafter ( XX/XX/XXXX ) made a {$200.00} payment, leaving a balance of {$73.00}. That cashier 's check from my bank was not cashed until XX/XX/XXXX. Two weeks later XX/XX/XXXX, I made another payment ( same way through my banks web bill pay ) to pay the balance of {$73.00} off. I accidentally set the payment for {$270.00} ( which would have left a XXXX credit on my account ). XXXX XXXX, I receive a call from Comenity stating that my payment was late. I did not understand what happened, and checked with my web bill pay, and could see that the check was sent in XX/XX/XXXX. So I informed the representative on the phone, and they said they would wait for the check. Later in the month, I received a letter from my bank processing center along with the check they sent to Comenity, and a letter from Comenity stating that my payment was being returned. On XX/XX/XXXX I spoke with another representative from Comenity who stated that my account is now 30 days past due and they have added a {$35.00} fee to my balance. I explained that my pay-off payment check was returned to me late XXXX, and that I would pay it while she was on the phone. She then waived the XXXX fee, and since they would not accept my credit card as payment, I sent the remaining {$73.00} from my bank bill pay ( all this on XX/XX/XXXX ). On XX/XX/XXXX, I received a notification from the credit bureau that a derogatory was put on my credit report.i went in and checked what it was, and it was a 30 day late from Comenity Bank ( Kay Jewelers ). I then called my bank, who informed me that Comenity presented my check through the banking system on XXXX, and it was paid on XX/XX/XXXX. I called Comenity, and asked why they reported to the credit bureau that I was 30 days late, and they said they didn't receive my check until XXXX, and that put me to 30 days, and also notified me that they added another {$35.00} late payment fee, as well as rescinded the previous waiver, leaving a new balance of {$79.00} ( both late fees plus interest ). I explained everything that happened, to no avail, so to be done with them, I paid the erroneous charges with .y debit card. I feel that they victimized me by returning my check to me ( very late after receiving it ), allowing them to assess new charges, as well as applying my payments late so that they COULD assess those charges. I have electronic evidence from my bank showing when the checks were sent, and when they were cashed, as well as the payoff check that they sent back to me in XXXX. This was all unethical and predatory. I have good credit, and pay my bills on time.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 my wife XXXX XXXX applied for credit at Rooms to go for an amount of {$3000.00} which she thought she was approved with XXXX. XXXX made her down payment of {$620.00} to Rooms to GO Order # XXXX for the attached XXXX. 
On XXXX XXXX, 2024 I XXXX XXXX applied for credit at Rooms to GO and was approved for Order # XXXX seprate from my wifes Order above. 
The Salesman XXXX XXXX at Rooms to Go in XXXX XXXX without our consent decided to add my wife purchases to my Order # XXXX on my Rooms to GO Credit Card. 

Rooms to Go applied {$5700.00} to my Credit Account without my knowledge or consent. I informed Rooms To GO sales represnetative XXXX and Store manager XXXX of the issue which their store manager decided to apply all charges to my credit card and I was told there was nothing they could do since they had already delivered the furniture. 

Rooms To Go XXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Now I will write you requests for loans and credit cards that I did not make. I requested a copy of my credit report and in the hard inquiries section I saw requests that I did not make. These are fraudulent actions. I don't have any credit cards, loans, or other credit products from these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these hard inquiries from my credit report as they do not reflect my real inquiries and negatively affect my credit report.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I called the company to make payment arrangements. The arrangements I made for 3 accounts was for a payment to come out once a month. They pulled the payments twice a month without permission. When I called, they said they would send me a " new '' agreement for the once-a-month payment. I switched to that, but now I need the money they pulled without my permission back.
Consumer complaint received 2024-03-01
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. (UT)

XXXX please provide what method you verified to Experian and XXXX XXXX. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/24. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.
Consumer complaint received 2024-02-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AZ)

My wife and I got a loan modification and our loan was sold to Shellpoint/NewRez mortgage. The loan modification was a balloon payment due in XXXX. We paid approximately {$9000.00} for this loan modification. So ther is no interest being generated from my loan. NewRez acquired my loan in XXXX and since then they have done nothing but harrass me. Im contacting you because Im almost XXXX retired and the stress is telling on me. I had so much problem with them contacting me every month saying I was behind on this and that that I started having my bank make automatic payments so I would be up to date. In XX/XX/XXXX my payment was automatically paid and they applied it to the XXXX XX/XX/XXXX my payment was automatically paid ... but Shellpoint applied it AGAIN to the XXXX payment effectively putting me one month behind ( this is a debt collection company masquerading as a mortgage company ). I tried many times to bring my account up date but they would always apply the extra payments to the deferred. Every month we have been receiving foreclosure packets, sometimes for as little as {$10.00}. Finally I got everything up to date, I thought. In XX/XX/XXXX I paid {$110.00} for an inspection fee I am now being charged {$110.00} for another inspection fee ( XX/XX/XXXX ). The called me this morning saying I owed XXXX This company is staffed with completely incompetent players and they are monthly trying to squeeze money from me by harrassig me and my wife with phone calls and foreclosure packets,,, all this when my loan is not due until XXXX. They are supposed to be taking care of my insurance taxes escrow. Can you please help me in dealing with this nightmare debt collection agency masquerading as a mortgage company. 
Thank you for your time
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY (CA)

Me and my wife called into Amex to get our cash advance pin with customer service and they sent a link ... To the email to obtain the pin... While on phone she asked if I wanted to be an authorized user so I said yes... They got my info and ran my credit and approved me... We hung up and used the login link for the cash advance pin and it doesn't work... Called back and spoke to many different people... They told us because we called into get the pin as instructed by customer service who switched the call over to cash advance people... The cash advance portion of the credit card would be locked for 60 days... I was furious because I don't want to be on a credit card that can't use the cash advance aspect but more importantly they impacted my credit and I feel unethically did the bait and switch... I would like to pursue monetary compensation for the rude person on the line and negatively impacting my credit ... Is this the correct place to go? I need help. Thank you so much... I'm not good at articulating what happened in writing so I would prefer to speak to someone on phone...
Consumer complaint received 2024-03-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services (MD)

I worked with XXXX XXXX to help me repair credit about XXXX years ago there was a old debit from a car loan XXXX  years ago that was voluntary return I was on XXXX in and out the hospital at that time as my credit repair was being done the car was charged off XXXX XXXX got the charge off removed last year out of no where my check was garnished I almost lost everything I filed bankruptcy I work from home because of my health I am fortunate to have that but the garnishment hurt me financially I had to move it has been a challenge some person a lawyer that is on the paperwork I got from my employer has the garnishment for this account from XXXX  years ago that was charged off I didnt get any notice to fight this I am faced with having to pay the trustee every month I dont know how I can maintain to live like this I was told my only option to stop the garnishment was bankruptcy I am XXXX  years my health is not 100 % please help me if there is something I can do to stop this. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOME ACCEPTANCE CORPORATION (TX)

Made dispute in XXXX, ans this year XXXX of alleged debt that this account was involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my consumer rights to privacy pursuant to 15 USC 1681-B2 company as no permission to report my information per 15 USC 16814 .
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (CA)

I opened a checking and savings with XXXX bank in around XXXX or XXXX because I wanted to close my other bank accounts ( other bank is not relevant ). I went with XXXX because Ive been using their credit card for a couple years and after some research, seemed like they were a good fit. I waited to close my other bank accounts until I was allowed to use XXXX at XXXX ( there is a waiting period of 60 days before you can use XXXX ). As soon as I was able to use XXXX, I closed my other accounts and transferred everything I had into my XXXX accounts. A couple days after I did that ( today, XX/XX/year> ), I open my XXXX app and see that my accounts are just closed due to suspicious activity. I check my money daily, and yesterday everything looked normal to me so Im not sure what it was. When I called about it the first time, they just told me that they could not give out that information and that they just decided to close it. No further information. I called again later on in the day to try again, and they told me about the same thing : that there is nothing I can do and they will just send my money to me in XXXX days. No reason for it once again. This puts me in a struggle since that is all my money and I cant even move it into a different bank account if I wanted to. They gave me no warning and they never reached out to ask me about any questions they had. If I didnt mention it before, this was both my savings AND checking account. I have no money at all right now because of them and it doesnt feel fair to me, especially since they never called me about it and I really have no idea what I did wrong. Now XXXX told to just wait for my money and re apply.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

XXXX XX/XX/XXXX I was alerted to a new credit inquiry that was not mine. I called them on XXXX XXXX and they said the application has been reported fraudulent. The issue is the address the fraud used to initiate the application is from a state ID that expired on XXXX XX/XX/XXXX so they shouldnt have been able to use it at all.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly appreciated.
Consumer complaint received 2024-05-24
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. (FL)

This is XXXX XXXX XXXX XXXX i just want to file a complianr about my account in my credit file, that reporting innacurrate late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX, I attempted to use my AMEX on an international purchase for reservations abroad for roughly $ XXXX. My balance at the time was paid in full in prior months and I had an outstanding balance of around $ XXXX from prior usage. 

This card was tied to a transferred account from my mother, who passed away in XXXX XXXX ( see attached death certificate ). The timing of the transfer occurred in XXXX timeframe as her estate was being settled. 

Upon attempting to make my reservations online, I received an on-line " XXXX XXXX '' notice requesting a verification code for input. However, the verification code was being sent to my deceased mother 's old cell phone. I called Amex to inform them of their error, they acknowledged that they had all of my personal information, including my current cell phone, but security purposes, could only send the verification code to my deceased mother 's old cell phone number. And, they would continue doing this for 90 days following the date of transfer " for security purposes. '' At no time did Amex disclose to me that as a condition of accepting the transfer of my mother 's account and that I would need to also carry her cell phone for 90 days in order to fulfill a XXXX XXXX verification process. 

Additionally, at the time of attempting the transaction, I was on the phone with their customer service representative, who was able to validate my identity in real-time and directly. And, could see that I was trying to make the transaction. I had all of the requisite personal information and credit capacity under the XXXX XXXX XXXX XXXX to make a transaction, yet AMEX was unable to fulfill on their promise. 

As a result of inadequate operational/security controls, the card is rendered at best unreliable ( when would XXXX XXXX be triggered vs. not triggered since I used the card at other times ) and in this particular case, unusable. And, as a result of inadequate notice, a credit-worthy customer with track-record of timely repayment ( I had just repaid @ $ XXXX the day prior ) was unable to access credit. 

In the context of this situation, Amex 's " security '' process requires a deceased individual 's cell phone service to remain active with additional costs to the estate to be incurred. And finally, the process is painful for the new accountholder, as it would require the new accountholder to carry around their deceased mother 's cell phone on the off-chance they may need it to authenticate a future credit card transaction. This is absurd.
Consumer complaint received 2024-06-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

I tried to resolve this with Macy 's. Complaint XXXX. 

On XX/XX/year> a sales associateat Macy 's Boston store without my permission signed me up for a Macy '' s " XXXX XXXX '' card. I do not want this card, I want to keep my origional Macy 's card,. 

XXXX XXXX at Macy 's executive office was unable to prevail on Citibank to give me my old card back.

Citibank supports both these card products, I see no reason why they can not cancel the card I di not authorize and return my Macy 's card that I did not request be cancelled. 

I worked for XXXX XXXX for many years. This resulted in many years of compliance training classes. I never saw anything in all these classes that indicated it was legal to sign someone up for a credit card they did not want.