davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXXTHIS IS THE SECOND TIME I AM FILING THIS COMPLAINT WITH CFPB, AS REGION 'S BANK CLOSED MY FIRST COMPLAINT WITHOUT ADDRESSING OR HANDLING IT. THEY JUST STAMPED IT AS DUPLICATE AND COMPLETELY IGNORED MY COMPLAINT, AS THEY DO ALL OF THEIR COSTUMERS. XXXX  have several accounts with Regions. I accidentally made a mortgage payment from the wrong account, noticed the mistake, contacted Regions, transferred funds to other account, was assured it's taken care of, then my payment was returned anyway. I usually make my XXXX  mortgage payment from my XXXX XXXX XXXX account ending in XXXX When I made my XXXX payment on XX/XX/23, I had the funds in my XXXX account and thought I scheduled it with XXXX  correctly. As it turned out, I made a mistake, and accidentally scheduled the mortgage payment from my XXXX account ending in XXXX. I contacted Regions the next day as soon as I noticed what happened, spoke with a banker who assured me the mortgage payment hasn't been processed yet, so we transferred the funds to my XXXX account and it appeared the payment cleared. We discussed this in detail with the banker, I explained to her this is a mortgage payment, it can't be returned, she guaranteed that we are ok, since we transferred the funds to the correct account. Today I received notification from XXXX  that the payment has been returned from Regions and now I have a late mortgage payment reported on my account, even though I had the funds and was assured by Regions that the payment has been processed.
Consumer complaint received 2018-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Home Point Financial continues to show me as paying my mortgage late. I have tried ad nauseum to rectify this problem and as of now, it still has not. I have made all my mortgage payments on time. Not only have I have made all my mortgage payments on a timely manner, but I have overpaid my mortgage. They took one of my monthly payment and put it towards principal. Thus causing my statement to show as though I am late with my mortgage payments. I did not request that my payment be put toward principal. When I disputed this problem, Home Point sent me an email stating the problem was resolved. To date, this problem persists. Not only is this mistake on their part is causing me to seem as though I am late with my payments but you are adding fees to my account for late payment of my mortgage.

I dont know if this is a means on Home Points part to gain my house by fraudulent means, but I need this problem resolved. 

This problem continues to cause me great XXXX and XXXX of the thought of losing my house.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (MN)

I am unaware of this debt I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification of this debt please provide the certified mail receipt with my signature on there stating that I received it.
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (PA)

Loan was extended two years and four months pass the anniversary date of the loan. I needed a forbearance because of two hardships during the activity of the loan. I was given a forbearance twice because of personal problems due to inadequate job performance. American Credit Acceptance extended me the courtesy by putting the arrearages on the back of the loan. I was only thirty days late twice. American Credit Acceptance extended twenty eight months past the Anniversary date of the loan. A total of {$10000.00} was charged to my account.
Consumer complaint received 2018-11-28
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. (NJ)

A scam of a Fraud agency by the name of Receivable Performance has been posted their frivolous information on my Equifax and XXXX  credit bureaus, I have sent prior complaints to Equifax and XXXX, I haven't got any positive response. 

I never had any contracts made with this XXXX XXXX   scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, XXXX XXXX and Equifax to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam both bureaus with a Federal Lawsuit and huge Punitive charges and damages to my credit.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect address on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are both XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (WI)

On XX/XX/2024 at around XXXX I applied for a XXXX credit card administered by Citi . I was approached by a sales associate of the XXXX XXXX, WI. location who said they could save me {$50.00} if I signed up. I entered all of my information and the application was denied and it came back with someone elses name. They had me re-enter my information and it still came back denied. It sounded like the internal support person encouraged the associate to have me reapply under the wrong name. The internal support person then asked to speak to me and they said I was denied and that a piece of mail would come and I would have to follow the instructions. Now I am unable to even speak to anyone at XXXX to get a straight answer as to what was happening, why it happened, and how it will affect me.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (WI)

I got a notice on XXXX XXXX that I could reduce my auto rate on my car loan from 7.22 % down to the advertised rate of 6.29 % for 84 months with a company called autopay. I applied for the loan and they came back with an interest rate of almost 7 % for the 84 month term. I asked them what happened to the advertised rate and they said they don't have to honor the advertised rate. This is clearly both false advertising and a bait and switch scam.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (OH)

A trnsaction posted to my account 3 times. I notified Optum Financial about the issue in XX/XX/XXXX. The account representative did nothing. I called back later that month to be told that I needed to fill out an affidavit. I did so and returned it the same day as received ( I believe XX/XX/XXXX or XXXX XXXX ). In XX/XX/XXXX, i received notification that my account would receive a temporary credit while Optum reviewed the claim and reached out to the offending company ( XXXX XXXX XXXX- now bankrupt ). The credit failed to appear. Between XX/XX/XXXX and XX/XX/XXXX, I called Optum no less than 5 times regarding the missing credit to my account. No response. Finally, in early XX/XX/XXXX, I reached an employee in fraud who fixed the issue and the credits final appeared. I was also told that the credits would become permanent by the end of XX/XX/XXXX as XXXX XXXX XXXX had failed to respond to the multiple charges. 

In XX/XX/XXXX, Optum reversed the credits stating that the credits already appearing in my account. This is false and I am not back to the original position of being charged 3 times for the original transaction. 

The original transaction total was {$990.00}. On my account, there are three charges for the same amount. I only authorized one charge. When submitting my affidavit to Optum, I provided receipts of the charge I authorized. 

For Optum- the three charges ( of which only one is authorized ) posted on XX/XX/XXXX, each in the amount of {$990.00}. I am owed {$1900.00} in refunds for the repeated charges. 

I would also like to note that when calling Optum, I have been told that 'cases ' have been opened to review this matter. I have yet to receive any correspondence from Optum about the outcomes of these 'cases '. Moreover, I also do not receive any notification that Optum is raking the credits out of my account. There is no notification or communication whatsoever. As a consumer, this is concerning as Optum does not communicate what it is doing with a consumer 's account. I have opted into all communications, but do not receive any. The case number is XXXX.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I have recently been advised that my Pay Pal mastercard, issued by Synchrony bank, will begin charging me XXXX $ each month for a paper statement. Is this allowed and why? How can they charge me to tell me i owe them? 

Please respond via phone at XXXX or email at XXXX. 

This seems like something that should not be allowed. 

Pleas advise asap, Thanks, XXXX
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (PA)

Summary : Accounts are continually opened online in my name at M & T Bank On XX/XX/, from M & T Bank a checking account was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently. M & T closed the account and sent me a letter. I received a bank account Statement and saw that {$280.00} was deposited and withdrew from this account before it was closed On XX/XX/, another account from M & T was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently on XX/XX/, XX/XX/, XX/XX/XXXX  same exact issues with M & T bank, accounts from M & T were opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently - I begged that they flag my name and notify me and do not open the account - they indicated they could not because it was done on line. 
M & T indicated they have my name, ssn, address so they can open account - again I pleaded my case that they do not automatically open and account and call or email me- they said they can not
Consumer complaint received 2024-02-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I contacted Synchrony Bank to find out how my last payment was applied. In XX/XX/XXXX I made two payments totaling {$680.00}. I have a promotional balance that is set to expire in XXXX of XXXX. The original purchase amount was {$740.00} made in XX/XX/XXXX. I was informed that {$160.00} of the {$680.00} was applied to this promotion. I assumed the majority of the overpayment ( {$520.00} ) would go to the promotional balance. I spoke to agent XXXX who indicated that {$360.00} dollars of my payment was allocated to a promotional balance that expired on XX/XX/XXXX. The original purchase amount was {$740.00} on XX/XX/XXXX. {$360.00} of the {$520.00} was allocated towards this. She also indicated that I had two additional promotional balances that expired that I was not aware of. The first was a purchase of {$260.00} on XX/XX/XXXX with a current balance of {$32.00}. The second was a purchase of {$490.00} with a current balance of {$130.00}. I have made numerous purchases throughout the years including XXXX, XXXX, and XXXX in which none of the promotions expired. This would be after the consumer protection laws changed. XXXX XXXX indicated that all payments are applied to the oldest expired promotions first. If that were the case, then there is no way that I should still have a balance from the XX/XX/XXXX purchase. I requested the statements from the three promotional balances ( XXXX, and the two in XXXX ) as the statement did not indicate that the promotions expired and the capitalized interest was added on any of the promotions. It should be noted that last months minimum payment was {$160.00}. I paid the additional payment of {$520.00}. I neglected to ask what the balance is on the XX/XX/XXXX purchase that theyre claiming expired on XX/XX/XXXX. I have made all of the required payments on time which has resulted in this bank collecting thousands of dollars in interest. The concern is that those promotions did not have to expire as enough money was collected to pay them in full on time. This complaint is about a PC Richard Credit Card that is managed by Sychrony Bank.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I did a 0 % balance transfer and am being charged interest on the " balance transfer fee '' that I was assessed. No other bank that I have done the same with has ever charged interest on the balance transfer fee, because, as I have been told by other banks, it is a fee and not subject to interest, but this bank considers it a " purchase '' which is subject to interest. 
I believe this is not the case as it is a " fee '' and not a purchase.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Attached are foreclosure documents from I have no clue who it is. 
I've not missed any payments at all and owned it since XXXX I have not signed any loans, other than with NewRez. I expect this agency to file fraud and criminal charges on this practice. 

I tried filing a complaint with the District Attorney 's office on Real Estate Fraud and the link has been blocked.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

My student loans have been on XXXX XXXX XXXX plans since XXXX. I have asked Mohela and the Dept of Ed numerous times to tell me where they stand under the Expanded waiver terms because I believe that they should be at or very near forgiveness under the waiver, but all I have gotten is my XXXX  counts and Mohela keeps insisting that my loans only go back to XXXX, which is totally incorrect. I cant get either side to listen to me and go back to my loans origination date because all my loans are now interest making interest. I never agreed to consolidate them the first time and was unaware that they had been consolidated until last year. I am onlynaaare if my consolidation in XXXX. So, please tell me what I need to do to help you to help them audit all of my loans and their payment/status history so I can get complete credit. I have proof of them being in an XXXX  XXXX  and whatever else you might need.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (AL)

I am really disappointed and upset at XXXX  and these spring oak people. I have no Idea what this is! They have been violating my consumer rights for over one year now. I was denied health insurance bec ause of these errors! i also asked this fraud company to validate this but they didn't remove this inaccurate information from XXXX. XXXX and XXXX deleted the inaccurate info months ago! I plan to go to small claims and file a suite ! Spring oak has been ignoring my letters! see below attached
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

I opened the BMO Smart Advantage account on XX/XX/2023 and met the new account bonus as they advertised {$400.00}. And I continued to deposit my salary to this account, and then I contacted them about this, they told me I qualify the bonus but it will deposit to my account after XX/XX/XXXX. And then I was interested in their relationship checking, so I upgraded to relationship checking. And contacted them again, as XX/XX/XXXX passed, I didn't received the bonus. BMO replied that I did not meet the requirement.
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

I've sent several disputes to this company and I have not received any proof of validation, no reply to my demands or anything. This my third time contacting this company about this account. 

Midland Credit Management Balance {$850.00} Opened XX/XX/2022
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, XXXX XXXX had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and XXXX XXXX by continuing to report old and unverified information.