davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

I make my mortgage payment via phone call every month by the XXXX, after the XXXX a late fee is charged. 
I called in XX/XX/2020 and spoke to a representative. I asked to make a payment and then hear detail about refinancing. I was told my payment was scheduled and then spent over an hour hearing about refinance options. The payment was not able to be lowered as much as another lender offered, so I declined the refinance option. 
I received notice via phone a couple weeks later that I missed my XXXX payment. I told the representative I believed I had paid it, and beyond that PennyMac had just provided a payoff statement to the new lender I planned to refinance with. I asked if I should still make a payment of if this would affect my refinance. The representative said they did not know the answer to that question and would have to speak to their refinance department and get back to me. I never received follow up on this question. 

I received a call from my new lender the following day stating PennyMac sent them an unprompted payoff statement noting I was 30 days late on my mortgage. They also notified the credit reporting bureaus. The new le nder notified me that I would not be eligible for refi anymore due to this. I immediately called PennyMac and explained the situation. The representative and supervisor I eventually spoke with were unwilling to help in any way. I asked for calls to be reviewed, for the refinance department to be contacted so the issue could be reviewed, and I offered to provide phone records which were declined. I have called PennyMac seve ral times over the last 3 weeks to request a letter stating there was an error when processing my XXXX payment. I could then provide this letter to my new lender and still be eligible for refinance. PennyMac is refusing to give any documentation stating such. After several attempts and my request being declined, I suggested that they place blame on me and call it a misunderstanding on my end. They were still unwilling to do that and have offered no recourse. 

Each time I call I have spoken to a different representative, however they all have given the same statement once asked for a letter ; " This is so you can refinance with another company, right? '' I feel as though I am being blocked intentionally and discriminated against because they know I am trying to refinance elsewhere. I have never been late on a mortgage payment in the three years I have had a loan through PennyMac and we have always had good rapport. I would like to end our relationship on a positive note and be provided a letter as requested.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Credit Management Corporation (CA)

I received a letter recently from Franklin Credit who is suddenly and mysteriously regenerating a bill that was closed out in a foreclosure back in XX/XX/XXXX-XX/XX/XXXX for a property they even have listed improperly at XXXX XXXX XXXX XXXX NC and the physical address was XXXX XXXX XXXX XXXX because the Attorney we hired who was handling everything had committed some fraudulent activity with hundreds of clients just like myself and I wound up with 2 Payments to different lenders at ridiculously high rates and not long after he wound up in XXXX  for this subprime lending scam. 
This is XX/XX/XXXX and this was generated coincidentally on the same exact date that I had called XXXX  complaining about my FICO score being 30 points lower that my XXXX  or XXXX  FICO scores. This regenerated mortgage debt is over 17 years old now and I should not be receiving mail at my Apartment in XXXX XXXX in XX/XX/XXXX for something this old. I am attaching this document and really need your assistance before this winds up on my Credit report.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter pertaining to incorrect information that I've discovered on my credit report. I've waited patiently for some type of satisfying resolution which I demand those items to be removed from my report. I've exercised the correct steps prior to this complaint and haven't received any indication that these matters will be resolved and my patience has become exhausted which leave me no other choice to file for litigation. Section 611 ( a ) it it states that a failure to investigate incorrect item within 30 days give reason to immediately remove those items and it has been well over the required time. My personal information was impacted by the Equifax data breach which I've investigated and discovered as well and I'm it has been abused from some unknown stranger. Again, I demand these items to be removed from my credit report or I'll just take further actions. Thanks in advance for looking into these matter.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2020 I received a promotional email from Bank of America ( BofA XXXX ) that offered {$300.00} for completing these three steps : 1. Enroll in the offer ( I clicked on the hyperlink to enroll ) 2. Open an eligible checking account ( I was approved for the checking account on XX/XX/2020 ) 3. Direct deposit {$4000.00} within 90 days ( which I completed within 30 days ) The {$300.00} promo should have been deposited within 60 days of satisfying all requirements above. However, six months went by without any update from BofA. I called their customer service department on XX/XX/2020, was given a case number XXXX, and was informed to follow up after 45 days if I don't hear back. 

I waited more than 60 days and still heard nothing from BofA. I called their case review team on XX/XX/2020 at XXXX and spoke with Supervisor XXXX. He agreed that I met all requirements for the bonus and assured me that it should post within the next 14 days. 

Almost another month went by without any update from BofA. I spoke with XXXX on XX/XX/2020, who said that she will ask the Supervisor XXXX from the last call to follow up with me & gave me 3 business days timeframe. 

After not hearing back from XXXX, I called for the FOURTH time to BofA and spoke with XXXX on XX/XX/2020. He stated that he submitted a new escalation # XXXX, and informed me that a member from the Escalations Unit will follow up with me within 3-5 business days. 

Almost another month has went by without any update from BofA. I am very frustrated at how the bank baited me into opening an account, set up direct deposits totaling over {$10000.00} throughout 2020, and then put me through a ridiculous and unprofessional runaround just to deny the bonus that they offered me in the beginning. I have collectively spent 10+ hours just on the four phone calls, and each time I reach someone with neither the authority nor the initiative to enact any changes, but simply stick to re-reading some " update '' that my bonus was denied but can not provide details as to why. 

I have completely lost patience and trust in BofA as an organization. I will be closing my three credit cards with them shortly and recommend all of my friends and family to think twice before conducting business with this bank.
Consumer complaint received 2021-01-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

In XXXX of XXXX I purchased a XXXX motorcycle  from a dealership. The default company to make payments to the dealer was Synchrony Financial. 

I made my first few payments with them for several months, before switching to XXXX XXXX for a better interest rate. XXXX XXXX sent me a check to forward to them. I forwarded this check in XXXX ( Which was cashed ). Several days later I receive a letter and the title to my motorcycle from Synchrony. The letter stated my lien was lifted and I owned the motorcycle. 

Now in XXXX, I am still getting called and sent bills from Synchrony after telling them to leave me alone. Ive spoken with XXXX XXXX to make sure I had a copy of this check which was cashed. 

I am not paying or responding anymore to this bank and would like to file a harassment claim if thats even possible. Theyve been nothing but unhelpful and lack simple communication skills.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

XX/XX/XXXX called to cancel service was told they can cancel effective XX/XX/XXXX Received several collections calls XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XX/XX/XXXX place complaint with FCC XX/XX/XXXX Spoke to XXXX regarding my complaint was told that I have no choice but to paid the full amount because the company is a business and even if I could not afford to pay for services I did not agree to or receive. I hung up on rep because he was not looking to work with me but to collect money. 
XX/XX/XXXX received a call from a collection agency CBHV I am being forced to pay for services I did not receive or agree to. 
It is unfair XXXX are using unfair business practices during an epidemic and when are so many people can not afford their bills.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I spoke with a representative at transunion to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

I noticed an Adverse account In Collections reporting on my credit report from for a {$210.00} debt balance to Credit Management LP. I had never heard of this company and I never signed a contract with them.

I contacted Credit Management LP by phone on multiple different occasions to advise them that I dont know anything about the debt that they are reporting and I requested that they remove it. In my calls I offered to pay the debt if the would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt had on my credit.I did not know that I could contact the CFPB to assist me with getting this erroneous account removed. This is not my debt. I have not  ever conducted any business with Credit Management LP. I have never requested their services or signed an agreement to pay Credit Management LP for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.
Consumer complaint received 2021-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (CA)

I took out a small personal loan with Possible Finance over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. 
Upon checking my credit report, I found that Possible finance reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. 
I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. 
Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. 
My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. 
Report my account as current, and remove the late payments from my payment history!
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have a checking account and a savings account with USAA. I am currently experiencing XXXXl distress ; I have had a health emergency which has left me unable to work during my recovery and also made it ( at times ) difficult to communicate with financial services companies. 

A payment for a personal loan was automatically debited from my checking account, as would normally be scheduled, but due to my emergency and temporary loss of income, could not clear. I had specifically gone in to the USAA app and set my accounts to decline overdrafts. Instead, USAA debited my savings account, and caused the transaction to go through. 

I had expected instead the automatic debit to fail as " insufficient funds '', per my explicit and recent instructions, and I would follow up with the creditor myself. 

After I noticed this had happened, I started a customer service chat in the USAA app to ask why my savings were used to fund that transaction despite my preferences, and I found their " responses '' so exasperating that here I am, writing to the CFPB instead. I was told that, oh, I must not have understood that there were XXXX distinct overdraft settings available, both on the checking and savings account, and that if I actually wanted the behavior I desired ( to decline overdrafts ), that I would have needed to ( somehow know to ) _enable_ " standard overdrafts '', and then change some other setting. 

I find this preposterous. I have worked as a XXXX XXXXr and helped XXXX XXXX XXXX  '', and I have sat in design meetings where people discuss " dark patterns '' and how to " trick '' users into doing something that a company wants that those users, if they understood what they were doing, would instead opt out of. And I am struggling to find an explanation for USAA 's behavior and design decisions that are not malicious.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (KS)

I have received a debit card from Citibank, a bank I do not use. I called them and they told me that there was an account opened under my name and with all my personal information. 
that account was opened on dic XXXX. I was out of the country at that time. I told them to cancel the account. 
the problem is that who ever did this has all my personal information SS, address, phone number, everything. 
Please tell me what else can I do to report this
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ORG GC GP BUYER, LLC (TX)

I had apply for forgiveness program inn XXXX  I had to get garnished payment taken out from pay check to pay check for a few years until I was out of a deferment then it all seem ok to get out of the debt and forgiveness was granted. They told me it might take a while to show up on my credit report as I look at it it tells me I owe and Im block from moving forward on XXXX XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VT)

Portfolio Recovery has been harassing me for years. They called my parents house at all hours of the day and would call several times a day, every day, even after my parents told them I didnt live there anymore. They call my cellphone several times a day from various numbers. They even called me at work today. 
They filed a suit against me in small claims court which has been settled and I am to start making payments this month. So since things have been settled with their lawyers I am unsure why they are still harassing me. Also, the letter from their lawyer states I will be charged 12 % interest yearly, which from my understanding is not allowed. 
This company has made my life an absolute nightmare.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that Citi Bank supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two Accounts ( XXXX open XXXX XXXX & 542418xxxxopen XXXX XXXX ) that I previously had with CitiBank. 


Prior to the Pandemic I had Impeccable Payment history XXXX  credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of  XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to CitiBank in reference to 2 Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that CitiBank remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXXXXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2022-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NJ)

They still have not placed me into a payment plan like other cardmembers and now they are illegally allowing criminals to access my American Express account online. Criminals have now gotten onto my account and made two illegal payments of about {$300.00} from my XXXX account. I was in agreeance to lowering the credit limit and entering a payment plan of about {$55.00} a month for two Amex cards if they are re-opened. It seems like some XXXX, XXXX or other people related to the CEO are logging into my account and making very large payments to my account without my knowledge. Why does the CEO allow such large payments to be taken from my account when my account is closed? When I had my account opened I paid the normal monthly balance like other clients? I never had a problem with my account until I entered the XXXX  in XX/XX/2021.
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC (OR)

I got a notification to my credit report that an account was opened early last year without my consent or knowledge at the time I lost my wallet and had to get a new drivers license and social security number. I reached out to the police and they did an on going investigation about identity theft. I then sent in that police report numerous times and the Collin asset group refuses to acknowledge the fraud on my behalf at this point its been a year and they havent gone anything to make it right and its affecting my credit in a huge negative way I need it fixed immediately.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I need help with transferring my existing credit line totaling {$32000.00} from my Citi XXXX XXXX XXXX credit card # XXXX to my other Citi XXXX XXXX credit card # XXXX making my revised total available credit on my Citi XXXX XXXX credit card {$37000.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I answered a solicitation form XXXX XXXX ( XXXX ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, LexisNexis. No report shows me as deceased. I wrote back to XXXX XXXX to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue XXXX XXXX in order to find out who is misinformed?