davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I received an email notification from Citizens bank that my account had too many failed login attempts and had been locked out. Considering that I do not bank at citizens, I was very concerned and called the customer service phone number in the email. 

The first time I called, the customer service associate I spoke with told me I did not have an account with Citizens. 

I hung up and called again, choosing the Online account services prompt. This customer service associate confirmed that I did have an account with my personal email, and told me he would have the email removed from the account. 

Unsatisfied by the fact that I have now gotten 2 different stories, I called customer support again, and after giving my information to the customer service associate, she was asking questions about what type of account I had, and when I told her I was not sure, I just wanted to check the balance on all accounts, she said " why should I give you your balance if you don't even know what type of account you have with us? '' I then drove 2 hours to the nearest open branch location. I called the bank branch at XXXX XXXX when I left my house to ask the bank to place a hold on all accounts. They said Ok. 

When I arrived at the bank, I was placed in an office with a man named XXXX XXXX. I explained my concern and told him I would like all accounts in my name or using my social security number to be closed immediately. 

He was unable to find an account at first, and had to call customer support. With their help he found 2 old accounts from 11 years ago that were Charter One bank, which Citizen 's bank bought out in the past. 

I agreed that those were my old accounts, but I stated concern that my personal email was sent a message about a login attempt to an account which has been closed for 11 years. It did not make sense to me, or XXXX. 

XXXX called Online services, and got the same type of run-around that I did earlier today. 

XXXX also called another number, to a third party Credit card vendor that I also had an account open with the bank, which I do not remember at all. The last for account numbers of the account are XXXX. 

At this point, the Branch manager came in and asked if she could help. After explaining the situation to her, she told me that " maybe a computer glitch from another customer triggered the login failed email '', but this story does not make sense to me. 

I am rather fed up with Citizens Bank giving me the runaround, and if my exhusband has been using my identity again, and they are allowing him, I will proceed with the fullest extent of the law.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

On XX/XX/XXXX we submitted a borrower request to cancel Mortgage insurance on our mortgage. We were told by loan servicing rep that we were eligible and that their system showed our LTV at 78.3 % of our original value and loan. thus they would automatically be dropping the MI. I have followed up numerous times and each time I get the run around. after emailing back and forth and also speaking with customer service reps they sent me an email needing proof and authorization from my husband that I am authorized for SHellpoint/New Rez to speak with on behalf of him. I find this to be a major violation on their part, after he fact. Granted I am not on the loan and have stated so since so inception. I disclosed the fact that I am the wife and after all that time and the divulging of personal information on multiple occasions they finally want to identify my relationship. A bit too late as the violation already occurred long before any attempt to seek authorization. Lucky for them It is me and not someone else, We sent the auth on XX/XX/XXXX. that said, I spoke to an agent last week and was told it would be a 7-9 days to fully remove the MI and that they had an automated valuation done in the system so no appraisal was needed. Today when I called again, I was told we XXXX requires a full appraisal when in fact the guidelines for XXXX only specify a BPO not a full URAR. I am beyond upset at the lack of professionalism all around, in not seeking permission 1st before releasing relevant information via phone and email and about the contestant run around with regards to cancelling our MI. We have been trying to locate a number and email to complain directly with the office of the President for ShellPoint /New Rez but can not seem to locate any such intel on their website. Our complaint is twofold : 1 ) Lack of authorization requested upfront to disclose intel.  We are newly married. 
2 ) Lack of professionalism in handling a simple borrower requested MI cancellation when XXXX says a min of 5 Years in loan with on tie payments and a LTV < 80 % we meet this criteria and want Shellpoint to remove our MI immediately. We were told XX/XX/XXXX and now they want a full Appraisal which will force us into XX/XX/19. I do not feel we should be charged for their incompetence. They need to rectify this ASAP.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them. 

When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call. 

Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling Portfolio Recovery and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

I received a check from Wakefield and Associates , Inc. for {$29.00} dated XX/XX/XXXX.To learn more, I contacted XXXX based upon a XXXX search . 

The address on the check was listed as XXXX XXXX XXXX, XXXX, TN XXXX, A XXXX answered and I shared with him that I received a check from the company, but I did not know why. He asked me if I had an account, and I said no. The only information listed was XXXX, in which he did not know what the number represented. 

So, he asked me for MY SOCIAL SECURITY NUMBER and DATE OF BIRTH. I felt very uneasy providing my personal identifying information to gain further information about a {$29.00}. However, I went ahead and provided the information. After a few minutes, he told me that he only saw an account dated XXXX and that an amount of {$49.00} was listed. At that point, I told him that surely the check should have listed an account number for reference. 

So, I gave him all the information from the check, and he said it might be at the other location/company - XXXX XXXX XXXX. He said that the company recently brought it and that the transition would be in full effect in XXXX. He was suppose to be at another location in XXXX. 

He transferred me and the young lady listened and attempted to locate it. She was unsuccessful, so I asked for a manager. She said it would be 48-72 hours!! I told her that it was unacceptable and that I was VERY afraid and felt threatened since I gave my personal identifying information earlier. The young lady ended up finally transferring me to someone, and he was not a supervisor. However, after I talked with him, he transferred me to a XXXX XXXX, a supervisor. He was located in Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. 

After minutes and minutes on the phone with me, he said that " he was going to help me out. '' The problem continued because he started asking me for my address, of which I gave to him. He did not have any information!!!!! But after looking on the internet, the company has a plethora of complaints, including scamming, etc. 

I ended the conversation because I felt very terrified that I provided my personal identifying information, including my address, to Mr. XXXX and XXXX!!! This is totally unacceptable!!!!!! They sent me a check for {$29.00} and no one has any answers as to WHY? This must be a practice that the company does to obtain personal identifying information. I hope that no implications will happened that would negatively affect my life!!!!!!!!!. 






Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Consumer complaint received 2017-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (TX)

Im not exactly sure on the dates, Ive been in and out of the hospital. Ive also havent had a chance to clear things up due to my health. I understand that I owe, thats not the complaint here. My complaint is with the company Check n Go, on XXXX XXXX and XXXX XXXX, XXXX XXXX Texas, XXXX. They have called my references which is a standard practice but in the same sentence they revealed my entire loan to a family member ( s ) that knew more about the loan that I taken out than I did. They informed them on the amount of the loan, the delinquent status of it, the interest as well as any pay back amounts associated with this particular loan. It wasnt in their place to discuss this with my references at all, they were not co-signers on the loan so revealing this info was not necessary and I felt that they did not respect my privacy.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC (TX)

I have received numerous phone calls from Affiliated Asset Solutions. I do not know what this is in regards to. They have called me four times from these numbers XXXX, The dates were XX/XX/19,XX/XX/19,XX/XX/19,XX/XX/19. The one on XX/XX/19 was while I was visiting my cardiologist. All these numbers come on my cell phone and when the phone rings it says spam risk so I don't answer. When I check the numbers out in my phone data base that's when it reveals that it is a spam/fraud/high risk. All these calls have come after the new law in the state of Texas went into affect on XX/XX/2019 stating that these types of calls are totally illegal and if caught its {$1000.00} fine per call. Affiliated Asset Solutions is a debt collector.
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CT)

Extended the lease on my vehicle XXXXXXXX XXXX XXXX. Payment of XX/XX/2023 went towards other charges instead of vehicle payment, resulting in a 30 day credit strike on my credit report. Followed up with American Honda Finance, they opened a ticket and told me it was resolved. Payments have always been consistent before the lease extension, payment history proves this. Now they claim XXXX, XXXX have not been paid on time ( My bank statements prove otherwise ) and they have yet to fix the issue, Which has resulted in more 30 day strikes on my credit report all due to negligence.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my report.
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

My student loan that was serviced by EdFinancial was turned over to collections due to defaulting on my loan payments. EdFinancial stated they received a mail return on a statement in XX/XX/XXXX, although I have resided at this address for 3 years and have experienced no issue with receiving my mail. EdFinancial then updated my address to the physical address of the school I was attending. EdFinancial sent all my correspondence to the school and the school did not contact me or forward my mail. My phone number was available to EdFinancial and I also have a log-in on the portal. EdFinancial did not call me or notify me on the portal about my loans defaulting. I received a notice in my portal in XX/XX/XXXX that my loans would be due in XX/XX/2019 and my first payment would be due at this time as well. I was ready to pay this and then EdFinancial claims XXXX provided information that I never attended school so they stated my loans were not eligible for payments and would be due immediately in full. This change occurred in XX/XX/2019 yet I received a notice in XX/XX/XXXX about my loan being fine and getting ready for my first payment due. When I asked about this they simply stated they could not stop the automatic correspondence. So after spending literally hours on the phone with XXXX and EdFinancial I was able to ascertain that EdFinancial is the one that updated my address and failed to notify me and they refuse to help me with this issue and keep saying that I defaulted, which I had no idea about. I have asked for a supervisor to call me from EdFinancial and they tell me this will take 48 - 72 hours. I called this morning and EdFinancial stated they called me on Friday ( XX/XX/2019 ) but I have no missed calls or messages on my phone. I feel like EdFinancial is so unwilling to be responsible for their actions and how they did not notify me or give me the opportunity to repay my loans. HELP!!!!
Consumer complaint received 2019-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2019 I attempted to buy basketball tickets by transferring money through XXXX. The tickets were never provided, and I attempted to contact both Chase Bank and XXXX   to resolve the fraud. Chase noted that there are no consumer protections offered whenever using their service through XXXX on transactions like this. Considering this is a bank to bank transfer, there should be a pathway to freeze transactions, or at least obtain personal information linked to the receiving bank account so that this matter could be reported to the police or to allow for civil action.
Consumer complaint received 2019-01-14
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 (RI)

I received a promotion from CapitalOne for a zero-interest balance transfer to my CapitalOne card. On XX/XX/XXXX, I transferred {$4800.00} from a XXXX card to the CapitalOne card. CapitalOne shows the transfer in my account on their website. Notwithstanding the no-interest promotion come-on, on XX/XX/XXXX, my account was charged {$63.00} of interest. On XX/XX/XXXX, I spoke to " XXXX, i.d . # XXXX, in Virginia '' at XXXX, the phone number on the back of my CapitalOne card. She assured me that CapitalOne was aware of the problem and was fixing it. It has now been almost a month since that call and over two months since the balance transfer but the interest charge has not been reversed. I expect to have another interest charge assessed to my account on or about XX/XX/XXXX. I believe that if the company truly wanted to fix this problem, it could have done so already.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my report.
Consumer complaint received 2022-07-15
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. (MD)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove these items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I am an XXXX XXXX. I routinely have to call mortgage companies regarding home insurance so I can get the mortgage company the payment, documents, etc. Mr Cooper 's XXXX line hangs up on me after 4 minutes. The only reason, on my second call attempt, I was able to reach a live person was simply because I used to have a Mr. Cooper mortgage and was able to use my social to get through their phone labyrinth. ALL mortgage companies should be required to answer every call by a person ( vs hanging up ). Furthermore, they should have a separate phone
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have two inaccurate late payments reporting on my Experian credit report from XXXX XXXX XXXX listed in XX/XX/XXXX and XX/XX/XXXX. I disputed the inaccurate late payments with Experian. The credit bureau refuses to remove the inaccurate late payments stating that the creditor has verified the inaccurate late payments as accurate. I have called XXXX XXXX XXXX  and the Representatives have told me that there are no late payments reporting on my now closed account. The car payments were due on the XXXX of each month. I am attaching a copy of my personal bank statements showing when the payments were withdrawn from my checking account. The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ). The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ).