davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

Weve been swindled by builders and lenders before, basically lying to get our personal information. XXXX   XXXX took our deposit in 2007 and sold the house to another buyer, no explanation. I had to demand my money back. Now we are trying to just buy a small condo in Florida. My husband is a XXXX contractor making $ XXXX a year. Quicken loans gave us a bad time, and asked for the password to our bank account, then accessed the camera on our XXXX, and was secretly video recording us without our knowledge. We caught them red handed when the agent asked who he was speaking to. I told him he was speaking to my husband, and he said no Im speaking to you. He was watching me. Im sick of the XXXX
Consumer complaint received 2019-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Got a Call from Portfolio Recovery Services about a debt no longer owed the original creditor written it off years ago I texted them that the Statute Of Limitations for Consumer Debt in Tennessee is 6 Years and I know they ain't nothing but bottom feeding junk debt buyers that buys old debt for pennies to a dollar and asked them to cease and desist calling and cease and desist sending further letters and the money they scam out of people don't go to the original debt owed but instead into their own pockets and that they pose as fake debt collectors and have very shady business practices told them also any further phone calls will be reported to the FTC for harassment also told them they're violating the Fair Debt Collection Practices Act by calling multiple times a day because that's what they do is harass people calling them all day til people loses their sanity and I've read consumer reviews about their shady practices how they call harass people all day because they along with other bottom feeders count on the consumers ignorance of their rights
Consumer complaint received 2019-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc. (FL)

I contend that real time resolutions ( rtr ) illegally recorded an assignment of mortgage beyond the Florida statute of limitations. On XX/XX/XXXX, I received a transfer notice of this alleged debt from XXXX   XXXX XXXX. By their own admission, rtr recorded the assignment with the Clerk of the Circuit Court of XXXX XXXX XXXX on XX/XX/XXXX. After a consultation, it's determined that this action IS beyond the five year statute of limitations in the State of Florida. This includes both promissory notes and written contracts, as well as open-ended accounts. Therefore, I request that rtr vacate the lien and release both the lien and me from another further harassment. They never bothered to report any of this with any of the credit bureaus. The fact that the alleged debt never showed on any of my credit reports does make me suspicious. Their, rtr, latest statement indicates this account originated from XXXX XXXX XXXX. XXXX may have been the company, a few times removed, prior to XXXX XXXX XXXX. I request that rtr release the lien an me.
Consumer complaint received 2019-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MA)

I am writing to dispute a report made by TD Auto Finance to the creditors regarding a late payment on my account made on XX/XX/19. This was a result of a technical issue on their website with the setup of autopay which Im still attempting to get resolved with TD Auto Finance customer service. 

I've encountered what appears to be a technical issue on their website while when applying a payment, the payment is applied to the Principle only and not my monthly payments. This resulted in a late payment being applied to my account for {$5.00} on XX/XX/19 which was reported to all credit agencies essentially lowering my score some XXXX points. 
From XXXX -> XXXX ( XXXX/XXXX  ). 

I've tried several times to resolve with TD Auto Finance yet they still only apply my payment to the principle and not my monthly payment. I'm then forced to call customer service and then have then manually reverse and reapply to my monthly. 

At the time of the reported late incident I had both the funds in my account and every intention to pay to avoid incidents such as this. As this was the results of some technical issue with the site, I'd like to submit this complaint. 

Thank you for reading. 

XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Credit cards & accounts have passed the statute of reporting. I put in disputes with XXXX, XXXX, & XXXX but the accounts still remain without explanation. Cards in question & dates closed. 
# XXXX XXXX XXXX XX/XX/2018 # XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXXr closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 XXXX XXXX Hyundai Motor Finance # XXXX Hyundai Motor Finance # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My account with Capital One was opened on XX/XX/XXXX. This included a promotional APR of 0 % for what I thought was a minimum of 12 months ( possibly longer ). I received my first statement for XXXX with a due date of XX/XX/XXXX. Starting with that statement, no interest was charged. I had not been charged interest up until this month 's statement dated XXXX with a due date of XX/XX/XXXX, interest charge of {$57.00}. 

I looked at my account information online and could not locate information regarding the terms of the promotional APR. I called Capital One 's customer service today, XX/XX/XXXX at XXXX XXXX to ask if the interest was charged in error. They could not verfiy if the interest was charged in error, because they also were unable to find information regarding my promotional APR. I reviewed my credit card agreement online, but it does not include any information regarding the promotional APR. 

If Capital One can not provide me with information regarding the promotional APR, there is no way for me to verify if I'm paying interest in error.
Consumer complaint received 2019-03-11
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. (GA)

I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

Today, XX/XX/2022, we contacted Regions Bank in regards to a {$72.00} over draft fee that hit our account this morning. We didn't understand how we received the fee because we had {$8.00} left in our account. I checked our account at XXXXXXXX XXXX and also at XXXX XXXX The amount never changed, until we checked our account at XXXX XXXX  It showed our account was - {$180.00}. When looking deeper into the issue, it looked as though Regions moved some transactions around to cause our account to be in the negative. The way that the purchases are listed, it's showing that we've made pin purchases while in the negative. How is that possible? Regions never authorizes a pin purchase if your accout is already in the negative. We informed the representative of this information and they were no help at all. They couldn't give us a valid reason for charging multiple overdraft fees. The representative stated maybe we were not looking at the available balance properly. Even though when you login online it shows you the available balance and the amount be held directly at the top. You can't miss it! When a pin purchase is made, that money is instantly taken away from the available balance. The representative never acknowledged our statements and constantly stated that they were not giving our overdraft fees back. The rep even stated that our fees were caused by a fast food purchase ( XXXX purchased on Saturday, XX/XX/2022 ). We downloaded the overdraft fee document from the website and it shows two pin purchase. XXXX purchase was in the amount of {$44.00} ( XXXX ) and the other is for {$4.00} ( XXXX ). The representative avoid telling us this information and absolutely nothing was resolved. Of course a situation like this has happened before with Regions, a representative stated that we can not go by the transactions listed online because they are incorrect. That we needed to keep track of our own transactions to make sure we up with our available amount. That was a very shocking yet confusing statement! Why would I need to have an online accout if everything is constantly incorrect. Everything they've said and done to justify why they are constantly taking money from us doesn't make sense. We've grown very tired of Regions Bank and all of their excuses. Especially the terrible customer service.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

The first notice I received was supposed to tell me I have 30 days to dispute the debt. This statement is missing from the letter. See attached letter front and back. 

The letter references a previous letter but this was the only one I  received.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Hi CFPB, My Discover account was closed, while in good payment standing. 

Discover suddenly, without reason, requested an XXXX IRS form 4506-C be filed. I submitted it 4 times electronically and it was not accepted each time. I spoke with a Discover personnel each time and finally one decent Discovery employee told me their XXXX system was faulty. She offered to send a written copy. I filled out the written copy before the postmarked date and yet, a few days later my account was closed. 

Full transparency I added my address to line XXXX, where is states " XXXX. ONLY complete Line XXXX if the address listed on your last filed tax return is different than Line XXXX ( current address on file with Discover ). 

I added the same address that I filed the last tax return. I should have left it blank. 

IM SO XXXX  SORRY!!!!!! 

Now my credit score dropped XXXX! 

Discover Security department wont help me over the phone. They say " although we can not re-open your account we can open a new credit card for you. '' I never want a Discover credit card again. 

I shouldn't be effected in this way because I put the right answer where it didn't call for an answer. Their automated electronic filing system says I gave incorrect information and canceled my account. This damaging, deceptive, unfair, and faultypractice was poorly administered. 

I'm going through one of the hardest years of my life with actor and directors strikes in entertainment and another strike looming this summer with XXXX. I have so many things going on that I missed on step and I'm greatly effected. 

I want this NON-financial credit card closure to be removed from my credit report. 

Thank you so much for your assistance in my matter.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (MS)

I went to Regions Bank to open an account on XX/XX/XXXX at about XXXX. I was told that I had to pay a previous balance of XXXX before I can open a new account, so, I paid that amount then the rep. Gave me an appointment for Monday XX/XX/XXXX at XXXXXXXX XXXX When I get there to attempt to open the account she tells me I can't because somethings going on with my social security number or background check. I've never been in trouble, I'm not a felony or anything. I want to know what's going on. Please help me.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

On XX/XX/2019 the Equifax website and fraud agent would not allow me file a fraud alert or credit freeze until I purchased an account. The first option was an auto-pay of ( I think ) $ XXXX. When I said no ( because XXXX and XXXX had done it free as legally required ) after 20 minutes of hard sell, she offered a {$10.00} one time 30 day account option ( receipt below ). I was desperate to stop ongoing identity fraud activity so I agreed.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I opened a new citigold checking account around XXXX XXXX of 2016 using a promotion code XXXX upon which I was to receive XXXX XXXX XXXX rewards points upon completing certain requirements. I received confirmation twice that I was successfully enrolled in the promotion and after completing all the requirements I received confirmation from a XXXX XXXX dated XXXX/XXXX/2016 at citibank confirming not only was I enrolled in the promotion but also that I had completed successfully every requirement to obtain the bonus miles. I was told they should post by statement close XXXX/XXXX/2016. When they had not posted by XXXX/XXXX/2016 I emailed customer service following up on the matter and to my dismay they contradicted all prior information stating I was not eligible for this promotion ( even though they gladly accepted my money and confirmed that I was enrolled in the promotion and had completed all requirements ). This is unfair practice and I would like the bonus miles that I was confirmed I qualified for, especially considering the fact that they have now taken {$90.00} in monthly service fees out of my account. Please help me get Citibank to stand up and honor their word. They should be required to honor all promotions that they allow consumers to sign up for and participate in.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

Recently I opened Citi priority account through phone with a personal banker on XX/XX/XXXX, during the phone conversation I confirmed my mailing address XXXX XXXX XXXX XXXX XXXX XXXX twice and also faxed my credit card statements with correct address information to the application team. Then I received email stating that my card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX. 
I called this team ( phone # XXXX XXXX on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and requested to update the address to the correct one. Each operator was providing the different information to me - XXXX the operator kept saying they can not update the address and need to submit it to the personal banker and get his approval or something like that. 
XXXX the operator said will submit the request XXXX the operator said she saw the request and will send follow up email XX/XX/XXXX the operator insisted they can not update the address within 30 days, but when I mentioned it was a mistake caused by their team, and there should already be a request, he said he will follow up with the request and I should receive the email when it's updated. 
XX/XX/XXXX and XX/XX/XXXX both operators confirmed the request and asked me to follow in 1- 2 business days to make sure both street and apt numbers are updated. 
XX/XX/XXXX the first operator asked twice what's my questions, when I repeated twice it's regarding the update status of my change of address, he put down the phone and kept me on hold without any word. I had been waiting for few minutes and hung up. 
the second operator was rude and arrogant I requested to speak with the supervisor and file a complaint. She said they don't have any supervisor and they are the only team for account application. I then requested to close my close immediately.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (WA)

Looking over my Best Buy credit card I noticed a fee for Debt Protection and they charged me just over {$23.00} for it. Wondered if it was a one time fee and it has been coming out every month for years. around XXXX if the amount stayed the same. I called and cancelled this but I have never nor would I ever sign up for this. I am an insurance agent and I understand the cost of insurance and this is very expensive stuff. They ca n't seem to supply me with my signature or authorization to start this. They just added it without my knowledge. Operator said it had been since 2011. Now I understand that I should look more closely at the statement but I figured the interest was just high and make online payments every month. If I had ever seen it I would have cancelled it. I never take free XXXX things because it is too hard to remember to take them off. 

XXXX XXXX
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I bought an XXXX in XXXX from XXXX order and got the standard XXXX XXXX loan from citizens one bank. I had to return my XXXX. And I can not get the loan company to stop taking money out of my account. Payment Amounts are for {$41.00}. I have paid for XXXX and XXXX, both on the XXXX, with no refund and another is scheduled XX/XX/XXXX. I have tried to contact them and XXXX and I get the run around from both of them telling me to contact the other company.
Consumer complaint received 2023-03-21
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: SANTANDER HOLDINGS USA, INC. (NY)

Santander consumer reported late payments to the credit reporting agencies and my score dropped XXXX points I have a car loan which was on autopay since purchasing the vehicle. I have laid ontime and paid more than the note each month I relocated and contacted Santander to update my address and change bank accts. The mgr was excessively rude to me. This was XX/XX/2022. In XXXX I was updating my budget and realized Santander had stopped taking funds out of my bank acct, reported my to credit agency. I immediately contacted Santander to find out what happened. I was notified I owed over {$3000.00} and they could remove the {$39.00} dollar late fee. I asked why was t I contacted the rep said I was phoned but no message was left, the mgr said I wasnt phoned, the rep from exec offices said I wasnt phoned because I was placed on a do not contact list. I asked who put me on that list and why wasnt a letter sent if that was the case. I asked why three different explanations. The rep said she would review the initial call from XXXX and speak with the mgr who was rude.she also said she would ensil a letter that had recently been sent out to me I never received the email and phone back to Santander a few days later. I spoke with another rep from exec office. He said it was not Santanders fault that the auto billing was ceased and he directed me to dispute it on my credit report. He said he would email my payment history to prove I had never missed a payment. I disputed and the only change was showing two 30 day late payments were previously it showed one thirty day late This was Santanders fault and my credit is suffering Once I found out I immediately made three separate payments in XXXX and another in XXXX I need some assistance to get this off of my credit reports
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX