davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (FL)

I have a personal loan with Avant, LLC. 

I initially borrowed approximately {$3400.00}. 
See below. 
{$3600.00} LOAN ID # XXXX Initially I agreed to an auto debit via checking account. 
On or about XX/XX/2018 I was alerted by my bank that Avant attempted a double debit for the same amount twice. In all honesty I believed it was a mistake, so the bank declined the transaction. I was not aware of this at the time it happened. When I did become aware I contacted them and did a payment, I believe over the phone, not realizing that they do not credit you on the day you actually make the payment ( which was a Friday ) but the next business day. 
Which to my recollection was a holiday, so it had to wait until the following Tuesday. 

At that point they contend that I have now generated a late fee of {$25.00} On XX/XX/2018 I requested a complete payoff of this loan being that I am paying XXXX a month in interest. I was quoted XXXX Good through XX/XX/2018. On XX/XX/2018 Avant received a total of XXXX. 

I did not pay the XXXX because that was in dispute and customer service said that were going to ask for a waiver. Initially the waiver was denied as it was requested incorrectly by the cust rep, but later it was granted. Now Avant want an additional XXXX which I object too, had they not mishandled things this would not of occurred. 

I am requesting assistance on this matter.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

the following items were obtained without my knowledge XXXXXXXX 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
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (SC)

I finally learned through the media I could apply  for IBR  when for 8 years I was put into forbearance when my payments were too much with  XXXX   XXXX  /Navien  t.  Per Navient site, my payments will go up to {$350.00} per month ( also had a federal loan previously serviced through them that I transferred back to federal so I can be PSLF eligible. ) They never can tell me, nor can I locate on site, exactly how much I 've paid into my loan since I started repayment in early   XX/XX/XXXX . I am  supposed to be enrolled i n IBR n ow with automatic payments from my bank account. For a year the site has said  one  thing while a different amount is extracted but there is no record of it that I can find on the site. I am so confused. When I graduated in  XX/XX/XXXX  with a  XXXX   XXXX  degree in   XXXX   XXXX   , I h ad under   XXXX   XXXX   in student loans. Now, 10 years later, if I were to pay off all of my loans today I 'd have to write a check for about   XXXX   XXXX   even though for several years I was paying way more than I could afford ( {$800.00} per month ) which drove me into credit card debt. At no point until last year did anyone refer me to  IBR o ptions. By my rough calculations, I 've paid around {$75000.00} towards my loans in the last 9 years. How do I still owe more than what I started with?! Please help! I am almost  XXXX   years old, single, no close relatives, and I live paycheck to paycheck b/c   of student loans. I will never be able to buy a house. The earliest pay off estimate for me is age  XXXX  in  XX/XX/XXXX . I ca n't even save for    retirement r ight now. These loans have ruined my life. I 've essentially paid of more than my original balance so how do I still owe over $ 10 0k.  The repayment calculators ive used say I will have paid around   XXXX   XXXX   for my student loans -- over 5x what the original amount was. How is that possible? This is so morally wrong! Please help me. I do n't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient /   XXXX   XXXX  . Thank you!
Consumer complaint received 2023-11-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (MA)

At the end of XX/XX/, I went in bank to get in my safety Deposit box to take out some savings bonds. I was told that I could not get access because they are going through the abandoned boxes. I did say that I had my box for many years ( 25 years ) and paid for it every year. That was when I found they were discontinuing the safety deposit box at the end of year. I was allowed to go into box in about an hour latter. Everything seemed fine but the girl had trouble with the lock on my box. I told them that I would empty box in XXXX when my yearly rental would end. I went back in XX/XX/XXXX  and XXXX XXXX took my keys ( 2 ) and put in his pocket. I am not sure if he took the keys out of his pocket or it opened without my key, but he got in my box. I emptied it out and went home. I then discovered I Had 2 valuable antique diamond rings missing and XXXX old ( XXXX ) silver dollars missing out of XXXX silver dollars. I keep thinking it must be in there so I kept looking again and again and again. But no luck!!!!! I also had upcoming total XXXX XXXX in XXXX XXXX. I was also thinking about that. 
After my XXXX and XXXX, I spoke to XXXX XXXX XXXX XX/XX/XXXX ) at Santander customer service and she would start a case. On XX/XX/XXXX an XXXX XXXX XXXX ( XXXX ) called me to listen to my complaint that I thought someone had thought my box was abandoned and went through it and took my valuables. I asked them to look at the camera video of anyone going into my box. Cameras don't lie but people do. 

On XXXX I finally talked to XXXX XXXX and I was told that it was fully investigated and my case was closed. I asked about camera footage and did they see the footage of the girl having trouble with my key. No answer to that. I was told to hire a lawyer and get a subpena ( sp ). 

Totally shocked with response. I am XXXX XXXX, XXXX was using scare tactics to scam an elderly who has been patron of this bank for over 25 years. Either the bank does not have camera access or they are trying to hide the thieves that work in this bank. I hope you can help!!!!
Consumer complaint received 2023-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was banking with Capital One and I deposited a check which was not in my name they told me that I need to verify that I had permission to deposit the check I gave them a phone number from the issuer of the check and from the name written on it but they said that they can still not verify it. Now my money has been locked for more than a full year with no resolution. The money they keep is even more than the amount of the problematic check!
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch (CA)

I called today to get my pay off amount on XX/XX/2017 and was given {$8.00} pay off with a per diem of {$4.00}. When I reviewed my financial statements I noticed some discrepancies. When I asked for a ledger from AC Autopay I was informed that they do not provide that and that I can request a payment history via email. The payment history I received is still deficient approximately {$40.00} in payment accounting and the total amount financed is incorrect per the truth in lending statement signed by me and my husband. XX/XX/2017 and spoke with XXXX who stated the latest supervisor notes in my account were from you notating that the finance charge and amount were correct when loaded into the system. I requested that they research this further because in my original copies from XXXX and the XXXX agreements my records are showing {$9800.00} loan amount with a {$810.00} XXXX XXXX charge for a total amount financed of {$9000.00}. I have spoken with XXXX XXXX on XX/XX/2017 and he was going to research this further for me but in the converstation I had with him today XX/XX/2017 he stated that the finance charge of {$5400.00} was were the {$810.00} was deducted from and that he encouraged me to have someone take a look at my agreement. They changed my APR and total amount owed several times and the XXXX XXXX is continuously interjecting in my account without supervision. I feel she has a personal problem with us and continues to make trouble and do fraudulent activity on our account and I am unable to get anyone in a managerial position to look at her activities.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THERE IS A BANKRUPTCY CASE ( XXXX XXXX CT FL XXXX XXXX : XXXX ) SHOWING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. IT BELONGS TO SOMEONE WITH A SIMILAR NAME AND BIRTHDATE. I HAVE DISPUTED SEVERAL TIMES WITH ALL THE CREDIT BUREAUS AND THE FLORIDA BANKRUPTCY COURTS AND IT IS STILL REPORTING.
Consumer complaint received 2017-05-09
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. (CA)

EQUIFAX is reporting a collection account for  XXXX  dollars from  XXXX   XXXX   XXXX , a collector  for   XXXX   XXXX   XXXX   XXXX  /  XXXX   say  I was uninsured by  XXXX  for my employer  XXXX  at the time of servic e in  XX/XX/XXXX .Tha  t  is false.   In addition I had 100 per cent coverage had the incompetents billed correctly.I 'm sending a copy of my  XXXX  POLICY CHECK Cashed by my employ er 2 weeks b efore the hospital service.I 'm also sending proof that the incompetent billers refunded the insurance money paid by  XXXX  FOR ME and then sent me the bill.   I 'm being damaged severely by this ... in the end I will sue and you will be paying my extensive financial losses for Equifax/  XXXX   damaging falsehoods and phony verifications ... not to mention th at  XXXX / XXXX   is operating under CFPB supervision for 5 years from the   XX/XX/XXXX     CONSENT ORDER for  XXXX  OPERATING AS  XXXX   XXXX   XXXX  ( THEY ARE ONE AND THE SAME COMPAN Y ) DELET E TODAY TO MITIGATE YOUR DAMAGE TO ME.   acct. no. is   XXXX   XXXX    XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2023-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

I had requested Loan modification under HAMP program in XXXX for both my mortgages with XXXX XXXX XXXX. 
XXXX  XXXX XXXX did not follow the Federal Guideline under HAMP Program and made several error at the time of modification including but not limited to : 1 ) Loan to Value On the HUD and IRS website, under HAMP, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than 115 percent, then the servicer must consider whether a Principal Reduction AlternativeSM ( PRA ) principal reduction should be effected as one part of the HAMP modification.

In the modification analysis prepared by XXXX  XXXX XXXX employee, XXXX XXXX on XX/XX/XXXX, the LTV was 147.53 % which is greater than the 115 % stated in the rule. XXXX  XXXX XXXX did not reduce the principal and in all documentation that I have this was not considered. The rule states that the servicer must consider principal reduction as one part of the modification there is no showing or indication that principal reduction was considered during my loan modification. 
2 ) Debt to income ratio On the HUD and IRS website, under HAMP, a participating loan servicer must consider a sequence of modification steps for each eligible homeowners mortgage loan until the loans monthly payment is reduced to 31 percent of the homeowners verified monthly gross ( pre-tax ) income. Sometimes, a change in the mortgage loans interest rate is sufficient to reach the 31percent target. Sometimes additional modification steps of term extension or forbearance are necessary as well. 
In the modification financial analysis the numbers provided by XXXX  XXXX XXXX calculated the Debt to income ratio at 44.68 % instead of meeting the 31 % reduction required by the HAMP guidelines.

Although they extended the term to 40 years the calculations did not arrive at the required 31 % and in that case the forbearance option should have been applied to reduce it to that number.

3 ) Failing to include the 2nd mortgage in modification.

On the HUD and IRS website, under HAMP Second Lien Modification which provides modifications and extinguishments on second liens when there has been an eligible first lien modification on the same property.

Here there was an eligible first lien modification on the property, and I was never provided with an option to extinguish or modify the second. Throughout the modification process I included the loan number for the second to have them both modified and it was never addressed. 
Real Time Resolution did not provide copies of notices of bill as requitred by law to my home address/property address. I was served with forclosure notice in XXXX of XXXX only by their attorney XXXX XXXX to my home address. 
Now my house is under foreclosure from Real Time Resolution for the 2nd Mortgage.
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have made several requests to Portfolio Recovery Associates ( PRA ) to validate the account. I requested the date of delinquency, date the account opened, and last payment received. I formally made the request XX/XX/XXXX. PRA received the request on XX/XX/XXXX ( enclosure ).

This validation must include the name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, documentation proving that PRA have the legal authority to collect, and all other notices required by law. If PRA can not provide the validation required, then PRA must remove from your files any negative reference concerning this account. PRA is in violation FCRA. PRA provided the date the alleged account opened. XX/XX/XXXX. That was the only date provided. Tennessee statue of limitation is 6 years in wish expired XX/XX/XXXX. PRA can only report for 7 years to the credit bureaus. PRA states there were not any known un credited payments, counterclaims or offsets against this account at the time of the sale. PRA shows the date of last activity prior to the sale of the account is XX/XX/XXXX and that is the information provided to me. XX/XX/XXXX is seven years from the last activity. PRA can not continue to report this alleged collection.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
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)

Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am trying to settle old debts and improve my credit score. On XX/XX/XXXX my credit score was XXXX... up XXXX points since XXXX. I contacted XXXX XXXX about settling a closed account with a balance of {$1100.00}. I was given a settlement amount of {$770.00} on XXXX. After making this payment the agreement was that " XXXX XXXX will report your account settled with a XXXX balance ''. I paid XXXX {$770.00} on XXXX. On XXXX XXXX, I checked to see if my settlement had been reported and recorded on XXXX XXXX. My credit score was reduced to XXXX. Equifax had updated my Status for this XXXX account to Charge off, balance to {$410.00}, Available credit to ( negative ) - {$410.00} and charged off account closed by creditor. It appeared to me that the {$770.00} settlement payment was applied as a partial payment which created a new {$410.00} balance and initiated a drop in my credit score of XXXX points. On XX/XX/2023 I checked to see my score was changed to XXXX and said it was down XXXX ponts from XXXX. XXXX and XXXX also posted a change in my credit score but after contacting them it appeared that the change was because of the way the payment was reported. After disputing the credit scores XXXX has corected my score and it is now XXXX. XXXX has corrected my score and it is now XXXX. After three disputes, Equifax refuses to acknowledge that an error in reporting has occured. I have disputed the score several times. I simplified my third credit score dispute to simply explain why my credit score dropped XXXX points after the XXXX XXXX payment was made. The dispute says that it has been completed but there are no results. I believe that XXXX XXXX reports this way to further punish the creditor who is trying to correct past mistakes.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX2016, I was admitted into the hospital. I was there for about 6 months. During that time, someone stole my identity and made charges to my debit card. The actual charges were reimbursed, but the fees were not. I called the company concerning my credit card ( platinum Visa ) because my debit card was so easily accessed and I was concerned about my credit card also being accessed. I asked what they would suggest. The customer service representative from card services told me my best option was to close everything because I was still in the hospital and would be for some time. So I agreed to close the card. There was nothing said about the cash rewards that I earned up to that point ; when I asked about them after getting out of the hospital, I was told that they were lost because the card had been closed. Later, I read in the bylaws that I should not have lost those rewards. In addition, since coming out of the hospital, I applied to reopen the credit card account and I was denied because they claim that the bylaws had been changed. They did not offer another card and I was also denied a new account even though I had paid all of my monthly bills in full and their own records show that I owed a {$0.00} balance when the card was closed. In addition, during the time that I was in the hospital, they charged late fees and other fees to my credit card, even though they were aware that I was in the hospital. For part of the time I was in the hospital I was in a XXXX and my counselor called them to inform them of where I was and that I was XXXX. After I regained XXXX, I asked my counselor to contact XXXX XXXX, the manager at the XXXX XXXX branch, and inform her of what was happening and ask that they ensure that all activities, including charges for fees, cease while I remained in the hospital and could not physically handle my business. After I got out of the hospital, I immediately began contacting the bank and discovered they had not done anything to be of assistance to me while I was hospitalized. In addition to that, their lack of compassion regarding these issues was inexcusable
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation (TN)

Regional Finance  is stating that I still have a balance of {$570.00} when I actually paid this account in full on  X/XX/17    ( see attached receipt ) in the amount of {$3400.00}. I am in the process of buying a home and this is causing me a set back. This should have been updated on my credit at least 30 days ago. It is still reporting as a deliquent account. When I called to speak with Regional on  X/X/17    they were very rude to me and offered no help even though I have proof from  XXXX   XXXX , Attorney at Law that this account was resolved. I want this updated on my credit report immediately supplying me with the AUD or Control Number that they will be provided once they have submitted the update to the  XXXX . I also request to have a letter sent to my current address showing that this account has been closed out in their office.
Consumer complaint received 2023-11-26
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (KY)

In XX/XX/2023 our loan was sold to Lakeview Loan care. Once they took over they raised our bill {$500.00} saying it was an escrow and insurance issue. I just don't understand how they can legally do this. Our loan was set to the amount we could afford not this!!! We went and looked at their reviews and XXXX of their customers said they did the same thing to them. I feel like we are all getting scammed. Please look into this.