davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CO)

RE : Violation of RESPA and the 2010 financial regulation act by a mortgage servicer. 

FAY Servicing ( XXXX XXXX XXXX XXXX ) charging me a {$480.00} ( corporate advance ) fee on a payoff I ordered this month on Loan number XXXX on property XXXX XXXX XXXX XXXX # XXXX XXXX, CO. XXXX. Fay servicing said this fee was transferred to them from a prior servicer named XXXX XXXX ( XXXX XXXX XXXX XXXX ) who had a loan number of XXXX and was transferred from from XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX. This fee showed up on my statements in XXXX with XXXX and I questioned it. They sent me a very general letter form XXXX XXXX XXXX but no specifics on exactly what this fee was for or who it originated from. I called XXXX XXXX XXXX and spoke to a XXXX in the fee department and she confirmed it was NOT from XXXX XXXX XXXX. I believe XXXX XXXX XXXX is out of business now. It looks like per my file and research the only thing I can think of is they are assessing this fee for an inspection or an appraisal in the middle of my servicing? The issue I have is I was NEVER disclosed verbally or in writing by anyone or signed any docs relating to this fee nor received a copy of an inspection or appraisal if one was done. I believe this fee was created to take advantage of a borrower and to charge them a " junk '' fee for a service never performed and ignored the disclosure laws which were put in law in 2010 namely the Financial Regulation Act and RESPA. I believe Fay Servicing is in violation of these Federal Laws. They ignored my request to research this and to get me answers and talked down to me and basically wanted me to pay it and accept it for its on my payoff.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

I am a member of Santanders class action lawsuit and qualify for loan forgiveness or settlement offer. Santander has not followed through with sending me a detailed copy of current contract as asked after loan account was closed. They do not report positive payments on closed loan but keep it on credit report. They need to offer settlement amount and provide details of current contract, or bring balance to XXXX.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have two complaints against XXXX XXXX XXXX XXXX XXXX. The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at XXXX on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX is not the appropriate organization to deal with these matters. 
My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted XXXX once again, they did not have any answers for me. It seems XXXX do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. 
I have attached the late tax letter I received, and I started my conversations with XXXX on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I was billed at least past 4 months for late fees on the due date. I pay my chevron card in full each month within 5 days of due date ( and there are interest and late charges posted for at least the last 4 months - the girl I spoke to XXXX at chevron said she couldnt do anything. I noticed this same issue with my synchrony care credit account. On the due date I was being charged a late fee for the due date on that account too. They reversed the one month. Please see if all these late fees can be reversed. This isnt legal to charge excessive fees. Please help. XXXX XXXX XXXX XXXX. Thank you Synchrony Chevron XXXX XXXX XXXX XXXX synchrony care credit XXXX XXXX. XXXX credit card - fees were reversed but same thing late fee posted on due date. Thank you
Consumer complaint received 2021-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (OH)

I attempted to make a principal payment to a student loan through LendKey. The web page does not provide an option to direct the payment, so I contacted Lendkey on XX/XX/21 at approx XXXX EST and spoke to XXXX XXXX . He stated that I could not make a principal payment on the account and that all payments needed to be applied to interest. I asked if this was stated in the loan agreement and specifically where. He could not answer, but stated their accounting system would not allow me to make a payment toward principal balance. 
I believe that this is unfair and predatory to force young people paying student loans at high interest rates ( 6.00 % ) despite having the lowest interest rates in history. I also believe it is unfair to prevent a consumer from paying toward the principal balance at anytime and in any amount. 
Lendkey is continuing to debit her account despite the forbearance on student loans. They are continuing to charge interest and now will not allow a consumer to decide how payments are applied. This loan is > $ XXXX and has been current for 2 years. A consumer should be able to direct their payments as they wish. The company is financially incented to prevent the consumer from doing this and therefore is making more money on the interest it charges.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. The payment history is incorrect. Late payments from the entire account history were all on time. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

I purchased a order with XXXX XXXX XXXX in XX/XX/2020 in the amount of {$420.00}. But on my credit card its statement its shows {$1000.00} I have spoken with them and they stated XXXX XXXX XXXX havent sent the proper information over to them. I have been charge the wrong amount since XX/XX/2020 2020
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A XXXX company falsely represented themselves as a XXXX-based clothing company via a website marketplace that completely imitated the clothing & branding of the XXXX-based clothing company ( likely copyright infringement ). No where on the website ( link : XXXX XXXX XXXX ) did/does it advertise that they were a subscription service. The terms of the 2 purchases that I made on XX/XX/2020 were for a 1-time payment for clothing. I made the purchases back-to-back {$290.00} & {$160.00}. I grew suspicious after I made the order after speaking with friends I know that the price I paid was too low for that brand of clothing. I asked that both of the orders be cancelled the very same day ( XX/XX/2020 ). Instead of cooperating with my request the customer service representative tried to talk me out of it, which is atypical of the cancellation process. I repeated requested that it be cancelled and eventually began only receiving away messages and never heard back. I have yet to receive anything from them. This puts me in a position where I can not even oblige with their return policy because I have no product to return. I never received ANY product OR service, therefore I am 100 % entitled to a refund. I ask for your help because my bank wont help me because the charges show up as an Authorized Credit Holds. I am still reaching out to the company with the hope they come around but they haven't done anything and I know believe them to be a malicious scam. I am still trying to get help from my bank but one claims representative told me my best bet is to work with the CFPB to get my money back and prevent this malicious vendor ( scammer ) from using their predatory practices on other consumers.
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery continues to spam call me twice a day, 7 days a week from various phone numbers ranging across the US. Primarily Texas, XXXX, Tennessee and Arizona. I tried settling a debt with them and they refused to work with me on a plan and accepting my counter offer to settle. I was ready to settle during that call and since then they have continued to call me every, single, day. I've blocked about 50 phone numbers so far and it keeps piling up. I don't want to call them back because it will restart the " collection clock '' when I already made an attempt to pay the debt. 

Some of the most recent ones here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have two complaints against Carrington Mortgage Services , LLC . The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at CMS on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX  is not the appropriate organization to deal with these matters. 
My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted CMS once again, they did not have any answers for me. It seems CMS do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. 
I have attached the late tax letter I received, and I started my conversations with CMS on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (IL)

I submitted an affidavit of truth and facts to Equifax. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

This is an issue I am having with paying my student loans. I have paid an amount from my bank account that is not being applied to my loans, and is not reflected on the EdFinancial site. 

On XX/XX/XXXX, I paid {$6000.00} from my XXXX XXXX account into my subsidized loans. 

On XX/XX/XXXX, {$3.00} was applied to " XXXX XXXX XXXX - XXXX '' XXXX. 
On XX/XX/XXXX, {$1900.00} was also applied to " XXXX XXXX XXXX - XXXX '' XXXX. 
On XX/XX/XXXX, {$280.00} was applied to " XXXX XXXX XXXX - XXXX '' XXXX. 

A total of {$2200.00} was applied as a payment to my student loans on EdFinancial Services. 

There is a difference of {$3700.00} ( {$6000.00} applied minus the {$2200.00} reflected on EDFinancials site ) that is missing, and that has not been applied to my loans, but should have been applied. 

I have reached out to my bank at XXXX, and received confirmation that the {$6000.00} amount was correctly sent to, and received by EdFinanical.

I am happy to provide account info, screenshots, etc., in order to help resolve and apply the missing funds to my account.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MI)

There is a late pay listed for the month of XXXX, 2018 The payment was made on time. I called the creditor to discuss my issue at the time and made payment as promised I have tried to resolve this issue with Barclays in the past but was denied. 

Please note my prior history there has been no other late pays in the several year history of the card. 

I have always paid my bills on time. I am certain I paid the XX/XX/2018 bill on time Thank you for your help.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Around XX/XX/XXXX i noticed my Bank of america Unemployment prepaid card was used at an atm that wasnt by me, someone withdrew around {$700.00} from the account, the next morning i call to report fraudulent activity on my card and was told it would be taken care of. The next day i called Bank of America Prepaid, they informed me DETR Nevada Unemployment froze the account because of my report and the only way to open the account is to contact DETR nevada unemployment. I did the next day, i submitted my ID and social to DETR and the next day they sent over a request to Bank of America Prepaid to unfreeze the account. They sent numerous request to unfreeze the account to Bank Of America, and they ( bank of america ) are not working with DETR, and my account is still frozen even after Detr and I did everything possible to unfreeze the account. Bank Of America Prepaid arent helping at all. Everything i have is sitting in a frozen account because of bank of america, i need help!
Consumer complaint received 2020-10-05
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: EQUIFAX, INC. (CA)

IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE XXXX.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO Bank, N.A. (MN)

I earned rewards points from BMO Harris for spending money on my BMO Harris credit card. I used these points to reserve flights for two trips. In both of these cases the airline cancelled the flights ( we did not ask for the flights to be cancelled ; the airline cancelled them ). I called BMO Harris after the flights were cancelled and asked them to refund me my points for these reservations. BMO Harris refused and said that I needed to get the airline to issue a refund to BMO Harris so BMO Harris could in turn refund the points to me. I thought this was unreasonable since BMO Harris was my travel agency and it is their job to obtain refunds for cancelled flights, but I decided to help them anyhow. I filed a complaint against the airline, XXXX XXXX XXXX, with the US Department of Transportation along with the Minnesota Attorney General 's Office. XXXX  XXXX  XXXX  responded and told me that yes, they cancelled the flights, that I am eligible for a refund, and that the company BMO Harris is working with for my reservations is to issue me a refund. I then called BMO Harris back and explained all of this to them on XX/XX/2021 but they again refused to issue a refund. The US Department of Transportation has issued guidance that consumers are entitled to full refunds for carrier-cancelled flights. That guidance is available here : https : //www.transportation.gov/sites/dot.gov/files/2020-05/Refunds % 20- % 20Second % 20Enforcement % 20Notice % 20 % 28May % 2012 % 202020 % 29.pdf. Note that this guidance requires refunds, NOT vouchers. The reservation and flight details are on the attached documents. Copies of correspondence with the airline and other parties are also attached for review. Note that BMO Harris has been paid for these reservations and the airline has been paid for these reservations. It is the responsibility of BMO Harris as the travel agency to work with the airline to ensure compliance with federal regulations and advocate on behalf of their customers. I paid for these flights and the airline cancelled these flights ; I am owed a full refund.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I paid US BANK {$3600.00} to pay off my auto loan as I had a buyer. I NEEDED the lien release sent to the DMV ASAP and considering its and electronic title, the dmv would receive it instantly. I then called on Monday XXXX XX/XX/XXXX to ask if they received it and XXXX had said itll get processed tonight. I then called on Tuesday the XXXX and spoke to XXXX who I was on the phone with for 56 minutes. He advised it takes 7 days to clear that payment since its an ACH. He then said make a wire transfer of that amount ( {$3700.00} ) and itll get processed in 1-2 hours. He would give a call back at XXXX XXXX on XX/XX/XXXX. I called in again on XX/XX/XXXX and spoke to XXXX. This was the most incompetent person to work at a bank who would not help, would not transfer it to a manager and told me wire transfers take 30 days to clear. Called in again the same day and spoke to XXXX who said the wire department do not have a number. I later received a call from XXXX which I submitted a call back online and she gave me the wire departments number. The same day I spoke to XXXX who had no idea what he was talking about, XXXX who informed me he cant write and email but if I wanted to speak to a manager he cant write an email, XXXX who was absolutely rude and hung up the phone on purpose. I called the corporate number and spoke to XXXX who said To speak to the escalation team you need to call the customer service number. Then hung up the phone so I called him back and made sure he knew he didnt know how to talk to customers. On Thursday the XXXX XXXX I spoke to XXXX who promised me a manager XXXX XXXX XXXX would call me back the same day before XXXX EST. Never received a call. Called again, spoke to collect who said she would send the call to a manager. Manager ( randoff ) did not pick up. On Monday XX/XX/XXXX I spoke to XXXX who said your Lien will get released today. IT. NEVER. DID. So not only did I make two full payoffs on this vehicle. I never received the title, never got through to a manager, never was informed correctly, was told to wire transfer money to them. This is the most disgusting service I have received.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I disputed this account due to fraudulent and inaccurate information reported. Only to DISCOVER TODAY ON XX/XX/XXXX that the PREVIOUS DISPUTE WAS BASED OF SOMEONE ELSE ACCOUNT AND I HAVE THE PICTURE TO PROVE THAT! 
My STAND IS THAT XXXX  XXXX XXXX MAKES HUGE MISTAKES AND THEN BLAMES THE CONSUMER! Please REFERENCE THE ATTACHED INFORMATION IN THIS COMPLAINT! This is a letter that was sent VIA CPFB! AND IT DOESNT BELONG TO ME BUT YET THEY STATED THAT MY INFORMATION WAS ACCURATE AND ITS NOT! In ADDITION THIS ACCOUNT IS CAUSING ME UNDUE HARDSHIP FOR BASIC LIFE ESSENTIALS HOUSING / CREDIT ETC! IM DEMANDING THAT THIS ACCOUNT IS SIMPLY REMOVED FROM MY REPORT SO WE CAN MOVE FORWARD