davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc. (FL)

I started a loan on XXXX for {$14000.00} for a Term of 66 months., with Nicholas Financial, Inc . I have been paid $ 392.oo monthly since then until Today 's date. I am current on payments. I just got behind on payments up to 120 days on XXXX  because I was unemployed. But as soon as I got a new job, I paid all the fees imposed by the Company to avoid loss the auto as I was treated it for and the condition was to put the account current at that moment. Since then, any payment I have missed. 
But is unbelievable and unacceptable that even that the XXXX XXXX XXXX still have and report is almost the same when I started ... and is not getting down : {$10.00}, XXXX. More than half of the payment goes to Interest, which is something several times I have complain about ; but not one fix or adjust it, care or respond me as should do. I have been charge several times by expense insurance premiums, without notified me previously and even the Ins. company reported for me that I have coverage. That supposed is one of the additional charges, Company said I have, plus a lot of fees that are not right. I have never received any formal statement with the complete history of payments as per I requested several times. Actually, I have nor received bills since more than 2 yrs, when I asked them for... But according to an email received, from department on head quarters, where I complain through an email, the answer of all my complains is : " that is what it is '' and nothing else to change. So, because I have not had time I have to continue paying and paying, first to don't affect my credit and second because I need the car. I tried to change the car to get out from that loan but the outside down is too high. Car has lost its value, and I still have a big loan balance after 68 months paying. I am unemployed again now and I just thinking in bankruptcy just for it. Co., report to credit bureaus that I have paid just 28 payments. That really disgusting me, I am very stressed about it ... for long time I don't know what to do ... Its not fair what that Co.is doing. I have paid more that {$26.00} K. Please help me!! Thank you!
Consumer complaint received 2018-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Please forward this communication to XXXX XXXX XXXX, Office of the Chairman at Citizens Bank ( who will be able to reference the previous communication ). 

Dear Dee : I'm in receipt of your response to the previous complaint through the CFPB ( case number XXXX ). 

While I appreciate your running down every event during the life of the loan, it was unnecessary and had little to do with my complaint. I apologize for any confusion. 

The complaint specifically involves Citizens employing negative amortization to calculate interest on two payments we obviously know we deferred via an offer to customers in good standing. 

Legal precedent clearly indicates that negative amortization violates Truth in Lending, is considered to be a predatory bank practice, and is illegal in many states. When and if negative amortization is employed, it requires full and detailed disclosure in all cases, which was clearly absent in the " PaymentBreak '' offer. 

If US interest had been employed, our interest on the payments we deferred, would have been approximately half the amount Citizens charged us. ( I can when convenient for you, provide two separate loan calculations for illustration purposes. ) What your " PaymentBreak '' offer should have stated was not " interest will still accrue '', but rather " interest on interest '', or compound interest would accrue ''. It furthermore should have advised that these deferred payments be paid back immediately to avoid financial mayhem, instead of stating that Citizens would just tack the deferred payments onto the end of the loan term. 

This is an update to my original complaint.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

I received an denial letter from Comenity Capital Bank. Two problems are : much lower scores than on previous denial letter in XXXX and on XXXX  Website. They are saying my score was XXXX in XXXX. XXXX had my score as XXXX in XXXX and now is XXXX. Lastly, why I need a real estate loan. This will make debt ratio higher. I own house with no mortgage. If I was able to obtain real estate loan, my debt ratio will be higher? I already have a car note. I make {$49000.00} a years. I have been on my job for 17 years.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (WA)

We paid off a loan with Caliber Home Loans on XXXX XX/XX/2021. There was an escrow ( impound account ) that had a balance on XXXX XXXX of roughly 9000 dollars. On XXXX XXXX they did a system update after which showed a balance of XXXX dollars. There was no taxes owed since we had prepaid the taxes in XX/XX/2021. They say they did not attempt to pay the taxes yet there system update subtracted the amount. They say they need 0 days to research what happened. Meanwhile they have 21 days to pays us the balance of the escrow account which means they cant pay the amount owed to us in the 21 days allowed. They propose to pay us the XXXX and have us hold onto the check.
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!
Consumer complaint received 2022-05-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We are in need of funds for college education for our daughter and a few projects we would like to do for home improvement. We met with a Bank customer service agent in Bank of America XXXX XXXX, MA main branch and were told our best option was a HELOC. We were put in touch with XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX. She took our application the XXXX week of XXXX, XXXX  and felt things would go well. We added my wife to the application and we were declined because of a delinquency on her credit. XXXX then asked if it would be better to resubmit and the loan officer/underwriter she spoke with said that it would be much better if I submitted by myself. That based on everything I would have no problem getting approved. I was declined again but this time due to home value to loan balance ratios. This is something that the underwriters should have known up front, the ratio requirements are very clear cut. They should have not encouraged the application. I would have looked at other areas such as parent student loan or a Parent Plus loan. With the volatility in the market due to the time I waited ( 2+ weeks ) not looking at alternatives, rates have gone up on these other loans and I missed an opportunity to lock a lower rate and save some money. These type of incompetent banking practices at this level of the institution ( I assume fairly senior staff who have experience in these types of things ). XXXX has also filed a complaint on my behalf internally and with her manager. I have no complaint with XXXX for the record. While I probably can not change anything on the loan decision, Bank of America, who I have banked with for over 20 years, should at least acknowledge their error and apologize.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage company has engaged in fraudulent activity in relation to my existing home mortgage, sent documents that could not be completed for a mortgage refinance and repeatedly did not respond to my inquiries. I am a XXXX and XXXX of a XXXX XXXX XXXX, have a 750+ credit score and have never missed a mortgage payment before the cancelled an autopay I had on file without notice and sent notice to an address not on file. I believe that they are discriminating against me on the basis of my gender, martial status, and ethnicity. Can share timeline and share emails to corroborate their systematic harassment, errors, unresponsiveness, and discriminatory practices.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

Made deposit to cover transactions showed sufficient funds immediately after deposit. It was credited yet was charged an overdraft fee erroneously and it literally shows that had positive balance and the fee is what actually takes me negative. I have worked in banking XXXX yrs and am very proficient in such knowledge of processing ect.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

On XX/XX/22, I received an email from Discover Card Services that they had closed my account due to not being able to verify private information. When I reached out to the customer service associate, explaining that I have had this card since I was a college student and received no notice from them regarding the need to verify information, they remained firm that they were closing my account and could do so accordingly. Had I been told that I needed to verify information, and what information, I would have provided it accordingly. They are wrongfully providing harm to my credit report by closing an account with an active balance to my card. I loved being a loyal Discover Card customer, used my card frequently, but now they want me to reapply to reopen my account. I do not want to do that. I want my old card/account back.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

XX/XX/2022 Just Received a letter from XXXX XXXX XXXX from XXXX SC First Citizens Bank branch. The letter informed me now they are closing all my accounts, its comical because I called them out on them stealing my money and now they just want to close my accounts? It seems like to me the discrimination and the lack of competency has become too much for this bank and this branch specifically to handle. I have had many banks in my life and this bank is by far is the most incompetent, disloyal, and consistently demonstrates a lack of integrity in all their affairs. This Bank shouldn't even exist.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I SEND A LETTER TO EACH CREDIT BUREAU BY USPS ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; XXXX # XXXX, EXPERIAN # XXXX AND XXXX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX XXXX  and XXXX XXXX. They told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  and XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC (CA)

The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

The agency hired by HSBC continues to harass me about a debt that was discharged in bankruptcy in XXXX XXXX XXXX 

The recovery agency is XXXXXXXX XXXX. They are KNOWINGLY attempting to collect a debt after discharge and that's against the law. 

I have referred them to my attorney and we are collecting the information about every contact. He said we should have several contact noted over several months before we sue. Can't wait until we meet that threshold! 

XXXX
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I paid off a mortgage on XX/XX/2022 and still havent been reimbursed my remaining escrow balance. The servicer, XXXXDovenmuehle , just informed me of an additional 30-60 day processing period if I would like the payment resent.
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANCORP (FL)

On XX/XX/2022 I transferred {$45000.00} from my account ending in XXXX to pay {$47000.00} down my XXXX balance. As of XX/XX/2022 that money has still not been credited to my account. It was an internal transfer, both accounts were at US Bank. 

It was from funds available. I no longer have access to the money, in either account, and it is causing me financial issues with other accounts.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

On XX/XX/2022 I went to XXXX and purchased 3 google play gift cards for {$50.00} each. I was only able to redeem 1. The other 2 when I put the redeem code, a message says more information needed. Which I filled out. I tried contacting Google several times to fix this and they simply just will not respond. I don't understand why they won't redeem the 2 cards that I purchased that I physically have and I have the receipt. So I don't understand why google gets to keep the money and not redeem the cards
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (FL)

I did not authorized CB INDIGO bank This is a violation of my rights under Fair credit reporting act. I have the rights to privacy it also states a consumer can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
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. (FL)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. And these accounts are not accurate.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (LA)

I have reached out to XXXX and XXXX numerous times, the last time being, XX/XX/2024 stating that they are both reporting different total balances as well as inquiries, delinquent and derogatory reporting. 
Also Syncrony bank and XXXX XXXX are both reporting different opening dates on XXXX and XXXX. 

I am opting out under 15 USC6805