davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc. (CA)

I took out a HELOC loan with another company for debt consolidation. They issued checks to the debtors I owed money to based on the amount shown on my credit report. The check they sent me to pay off my Avant loan was in the amount of {$3900.00}. I then contacted Avant and requested a payoff amount, which was {$3700.00}. According to the payoff agreement, my payment had to be received within XXXX business days of XX/XX/23. The check was mailed to the address on the payoff agreement on XX/XX/23. I checked my portal on XX/XX/23 and the payment was not reflected on my account, so I called customer support to inquire about it ( all other debtors I paid - XXXX in total had already received and processed my check payments ). The service XXXX confirmed that the check was received on XX/XX/23 and there was nothing further that I needed to do. My portal should update within a couple of days. On XX/XX/23, my account still had not updated and I was receiving notifications that my monthly payment would be due on XX/XX/23. I called Avant customer support again on XX/XX/23. They said they apologized for providing me with incorrect information, but they saw no payment in the system and so I would need to make my monthly payment. They also stated that they would escalate the issue of the missing check. I asked to speak with a supervisor since I was told that my check had already been received on XX/XX/23. After a long hold, I was told that there was no supervisor currently available, but that I would received a call from XXXX. I never received a call, only an email stating that they received my payment and had dated it as being made on XX/XX/23 ( even though I called and the email was sent XX/XX/23 ). I never received further communication, so on XX/XX/23 I called requesting the difference in the overpayment be refunded to me. The amount I calculated based on the payoff agreement and the fact that I was told my check was received XX/XX/23 was {$150.00}, however since they did not put through my payment until XX/XX/23, they said the amount being returned was {$110.00} and some change and said I would receive it in XXXX weeks. The poor communication and unorganized ordeal leads me to believe that they intentionally waited to process my payment since it was an overpayment so that they could charge more interest on the loan ( especially since I was paying off the loan very early ). I again asked to speak with a supervisor during the XX/XX/23 phone call and after a lengthy hold, I was hung up on. After calling back 3 times before they took my call again, they told me someone would contact me via email and to watch for my {$110.00} refund in XXXX weeks.
Consumer complaint received 2023-11-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: PatientFi, LLC (IL)

I would like to report an unwanted loan taken out of my name to all three credit bureau 's. there was a loan from the name of Patientfi that wasn't me.i never opened this account and would like to make a complaint because my credit dropped but I never authorized this loan nor I even opened the account. I tried calling the loan number but that's a scam number so it doesn't make sense. the amount is for XXXX and original balance is for XXXX with account number XXXX date open was XXXX XXXX and its a installment loan
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC (GA)

Mortgage was sold/transferred to this company ( Roundpoint ) from original lender ( XXXX ) effective XX/XX/2023. Automatic payment information was transferred to Roundpoint according to letters sent by both companies. Neither the terms of the automatic payment ( Roundpoint pulls them from my checking account ) nor the terms of the mortgage agreement changed during this sale/transfer. 

Roundpoint has received all mortgage payments in keeping with mortgage terms since XX/XX/2023, and shows these payments in their system. They are all visible in Roundpoint 's online portal and on paper statements mailed by Roundpoint. My checking account also shows all of these ACH withdrawals made by Roundpoint. Nevertheless Roundpoint has done the following.

( 1 ) Mailed me past due notices for payments made.

( 2 ) Sent me statements that show a proper amount due and proper payment history on one part of the page, but show a past due amount for payments long-ago collected by them on another part of the page. 
( 3 ) Continued to report, to XXXX, XXXX, and XXXX the balance owing on my mortgage as the balance they transferred effective XX/XX/2023, even though it is now late XX/XX/2023 and multiple months of payments lowering the balance -- according to Roundpoint 's own systems and mailed account statements -- have been made and credited.

( 4 ) During dispute investigations with all 3 of those credit bureaus, misreported the incorrect balance to those credit bureaus as correct, even though it not only does not match their systems and the account statements they have sent, and even though the balance on their records is lower by literal thousands of dollars.

( 5 ) After the credit bureaus closed their investigations, and all balances had been lowered slightly, Roundpoint went back to re-reporting the original XX/XX/2023 balance as the current amount owed in XX/XX/2023. 

This is pretty clearly some sort of acquisition problem paired with no regard for factual accuracy. There is no confusion as to what my balance is and whether payments have been made. But Roundpoint can't even get a single sheet of paper ( account statement ) to consistently agree with *itself* within that single page, and has doubled down on reporting inaccurate information to the credit bureaus.
Consumer complaint received 2023-11-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

Date of application : XX/XX/2023 Name : XXXX XXXX XXXX XXXX ID : XXXX Bank : BMO XXXX I attempted to open a CD online with my wife. My application for the CD was denied and I was not given any reason or way to rectify the denial of my CD application. 

I have attempted to contact customer service to find out why my application was denied but i was told by the representative that the reason could not be given as to why my application was denied. Without knowing why my CD application was denied how am I suppose to rectify this issue?
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (CA)

I have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

I trust that XXXX  days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.
Consumer complaint received 2017-05-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On   XXXX   XXXX   XXXX     I commenced to cash my monthly  XXXX  check at Bank of America that was payable by Bank of America.   
I am not a member of Bank of American a  nd I notified the teller each month that I have no desire to open an account and that I was aware of the  XXXX  dollar non-customer charge fee.     The bank teller immediately told me that she could not cash my check, that it was no good and to return it to sender. The Bank manager reiterated what the teller had said and also stated that for confidential reasons he could not discuss the matter and repudiated policies associated with  XXXX  and human/customer rights abuse.     In the very same hour, I later incountered the same situation at another Bank o f American branch. In my desperation walked in another Bank of American branch for the third time, and my check was checked with no he sitation. This particula r Bank of American was in a different loca le as the other  XXXX , wish were close in proximity.     It is to my belief that since I was not an account holder I was denied the privilege to continue to cash my  XXXX  check at those  XXXX  branches.     I have each manager 's business card. Please investigate this matter.     Thank you in advance
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

In XXXX XXXX  I opened a Discover card to use the balance transfer offer. I had an available balance of {$10000.00} to use. I paid two creditors {$4700.00} to XXXX  on XX/XX/XXXX  and {$4900.00} to XXXX on XX/XX/23. The balance amount of {$9900.00} was posted to my Discover account right after the balance transfers were made. Weeks went by and both XXXX and XXXX never received the funds. On XX/XX/XXXX  I called both of those creditors and both stated that they had not received the transfers from Discover. Both creditors advised that I pay my upcoming payments in case the funds didnt post. I waited a week then called Discover on XX/XX/23 to inquire about the balance transfer, since nothing had changed. An employee told me he would have to submit two disputes for those balance transfers and that I would get an answer within 10 days. I called today XX/XX/XXXX  to ask for an update and they were not able to give me one. The status of the transfer to XXXX now says unable to transfer, while the one to XXXX says payment sent. I currently have had to make payments to Discover as well as to the two creditors that I had intended to pay off, even though both transfers are nowhere to be found by any creditor. My credit score has now gone down by XXXX points, and I owe money to all three creditors. Discover has not given a useful update and is not able to provide any additional information about where the money is, yet they still are still posting the balances.
Consumer complaint received 2023-11-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

I realized after having this card for almost a year that I was suddenly being charged a huge amount of interest, over 33 %! I have a credit score of over XXXX and have not made any late payments, so I thought it must have been error. I contacted the company and they stated that they are allowed to do that when there is balance. This didnt make sense to me at all and I expressed this but they said there was nothing they could do. So I immediately said close this account and paid off in full {$570.00} to be done with this deceptive company. Then I get another bill for the next month saying I owed another {$12.00} for interest. I contacted them again stating that my balance should be {$0.00} since it was paid in full by the due date and it should not have accrued any more interest. They continuously respond Saying this : We understand your concern with the recent finance charge. Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/2022, this finance charge is valid. Per this change : We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date. We also will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. 

I respond back saying I had a {$0.00} balance so no more interest should be accruing, but they just reply with the same thing and I get nowhere with them. I also keep seeing on the bill and Im my online account that I have my full Line of Credit available when I have repeatedly told them to close my account. I will never charge anything the Comenity Bank again! BUYER BEWARE! Do not get any store cards that use Comenity Bank. This deceptive company should be held accountable. I would have never agreed to 31.2 % interest with having excellent credit history. I would have just used a different card with a low interest rate.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

What has not happened. I mail payments and they post weeks later. I get statements that say a balance due of XXXX amount and then customer service tells me another amount. They cant explain why. Today I get on the phone to ask a question about my escrow analysis that was done XXXX/XXXX/XX/XX/2015 which decreased and I have been on hold so far XXXX hr and XXXX minutes, transferred XXXX times, verfied my account all XXXX times and STILL waiting on help. Nationstar purchased my account and ever since they have had it, it has been a nightmare. I get charged {$63.00} for a PMI " insurance '' that I have requested to drop and no one can assist me on this. Why in the world do I make monthly payments to this company and can not get helped ever. Just FYI I am still on hold and it has now been XXXX hr and XXXX mins. Still on the phone XXXX hr XXXX minutes and no solution. Please help what can someone do who never choose this company to be their mortgage holder in the XXXX place ...
Consumer complaint received 2023-11-20
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. (DC)

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.

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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Equifax is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (NC)

I received a letter on XXXX XXXX that Wells Fargo had decreased my credit card limit from {$6000.00} to {$1900.00}. The explanation on the letter was vague but said it was based on low usage, high balances, or too many inquiries. When my limit was decreased my credit score was XXXX. Now because of the decrease of my limit my credit score has gone down XXXX points. I am a XXXX XXXX XXXX and a long time customer and not sure what factors they used to decreased the limit so drastically. I am trying to purchase a new home and because of this decrease I am not going to get approved. Wells Fargo is telling me that I need to reapply to do a credit limit increase which is crazy since now my score is very low. This decrease is affecting my ability to move, live and maintain. I have never experienced this. The score they had on the letter they sent me said my score was XXXX in XXXX which is false. My score has never been XXXX. I would like them to reinstate my limit immediately.
Consumer complaint received 2023-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (UT)

On XX/XX/2023 I signed up for XXXX XXXX via online platform which advised I could cancel my membership within 30 days with no penalty. I called XXXX on XX/XX/2023 XXXX  XXXX XXXX  and advised I would like to cancel my membership and was advised by the man who answered the line I would have to go online to Cancel.XXXX. I e-mailed as instructed and advised I would like to cancel my membership. I received a confirmation email on XX/XX/2023 XXXX XXXX XXXX form From : XXXX advising my membership has been canceled. I called XXXX  again on XX/XX/2023 XXXX  XXXX XXXX  and XXXX XXXX  to confirm my membership was canceled and spoke with a young man named " XXXX '' which he could not pull up my account and advised my membership was canceled. On XX/XX/2023 I received a letter from Aldous and Associates that I owe XXXX  {$7000.00} for canceling my membership and that I must pay this amount before or by XX/XX/2023. I went to XXXX on XX/XX/2023 at XXXX XXXX  mountain time and asked if I could have my contracted printed out and spoke with 2 separate men who discussed my account and advised that they could not print out my actual contract. When I asked for their name, they refused to provide their names or manager names. I am disputing this bill as I canceled my membership within the time period. I did not receive any emails or letters from XXXX advising that I was in " default '' with them. The only notice I received was the letter and email from Aldous and Associates