davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC (MI)

When I took out this loan I was a single mother in XXXX unable to work a second job like I normally would. The loan was advertised toward federal employees and required the repayments be set up through payroll allotments. The interest rate is predatory, but as a single mother I had no choice because I needed it to pay my rent and bills. Due to the heavy load of bills I had to refinance the loan. The interest went from 25.90 % to 26.33 %. I have made XXXX payments and so far almost have of it has gone toward interest. Right now it currently shows my interest rate as 26.34 % which is different from the interest rate that was originally told to me. I look forward to closing this loan and wished no one else would have to encounter them. Unfortunately I know there will be others like me that will have to make a hard choice in order to provide for their family, I just wished companies like BMG Money weren't allowed to prey on the struggling.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (AZ)

XX/XX/XXXX Loan Modification executed as a XXXX XXXX. 
XX/XX/XXXX Selling home title company sent Payoff Request. ( Attached ) {$84000.00} mortgage pay off {$110000.00} XXXX XXXX allowed the agreement ( Attached ) XX/XX/XXXX called PHH assigned to XXXX case manager. 
XXXX submitted via email receipts, bank statements of XXXX in documented XXXX  improvements allowed by the XXXX XXXX Agreement. 
XX/XX/XXXX XXXX for XXXX  XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX call me and received no call back. 
XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX  call me and received no call back. 
XX/XX/XXXX Left voicemail for XXXX and received no call back. 
XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX Called spoke to XXXX said he would have XXXX  call me and received no call back. 
XX/XX/XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX Called asked for manager of XXXX said there isnt one for me to talk to. Asked for a USA CSR rep. 
XX/XX/XXXX XXXX took my call said they would message XXXX and or call me back. 

I have asked each person on the recorded line for their accounting of the XXXX  XXXX  I have submitted and allowed by the XXXX XXXX Agreement. I have emailed since XX/XX/XXXX costs with receipts and bank statement backups of XXXX  XXXX that would reduce their XXXX XXXX from XXXX down by XXXX in valid XXXX  XXXX. Each time I call I ask for what is approved and the new number. No one can seem to provide me this. My home closes on XX/XX/XXXX and that XXXX would be a huge cost savings to me on my payoff. 

Added confusion is the layers of this place. My loan was with Ocwen, but now payoff comes from XXXX c/o PHH Mtg. When you call the number on the payoff, they send you to Ocwen and no one is in XXXX, but XXXX. Language barrier is horrible. 

They need to be accountable and available with assisting me with this final payoff amount. I am getting the run around, complete avoidance and I feel this is done intentional to me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education . Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services. 
Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by XXXX XXXX XXXX. 
Ensure any inaccuracies in writing late payments on my account are corrected promptly. 
Require [ Loan Servicer Name ] to remove any adverse remarks related to the disputed late payments from my credit report. 
I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-10-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I paid off an equity line of credit months ago, 3 times requested the account closed. Now I get a bill of {$10.00} for what they claim is a " Release Fee '' to remove the lean by the county. This is an illegal fee that is not in my loan documents nor required by the county as the bank has claimed. The bill also threatens me with additional {$10.00} per month late fees so I have no choice but to pay the illegal fee. When I call the bank and requested the county bill and my signature at closing agreeing to any closing or release fees, they can not produce either. I had the same bank ( Bank of America ) for my mortgage, when that was paid off there were {$0.00} such fees.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Late last year I received money from a sale of a company that I had stock ownership. I opened a high interest yielding savings account with Citi and transferred $ XXXX from my XXXX  checking into the Citi savings. A few days ago we went under contract to purchase a new home and I needed to access $ XXXX from the Citi savings for the earnest deposit. I was unable to transfer anything more than {$500.00} out of my Citi savings and when trying to transfer $ XXXX ( the stated daily limit for the Citi account ) I received a security error message and was directed to Citi customer service. After hours on the phone, all I could get from multiple people is that my account is under review and that they'd get back with me within 24-48 hours. I waited three days with no response and no ability to access the money I needed. When I called back, I got the same response -- account is under review, we'll get back to you in 24-48 hours. At this point, I'm days from closing on a house where I must have access to my money, and if I don't get it, I will incur major losses. No one in customer service at Citi has been helpful. I've wasted hours with them. I'd happily work with them to validate myself or where my funds came from, but instead, I get no feedback, and no answers. A terrible banking experience that if not resolved immediately will lead to much bigger issues.
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (IL)

I'm getting multiple messages and phone calls from family members and non family members who share my last name saying XXXX  is calling them stating I owe money and asking them to pay. But when I call the company and ask if they're calling others and giving my information to others they won't answer me. They will tell me numbers associated with my account and besides my number it's constantly different numbers associated to my account and it's numbers I've never heard of. I've had the same number for over a decade.
Consumer complaint received 2016-09-27
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA advertised to me, a veteran of the XXXX XXXX that a pre-paid card would turn into a regular credit card after one year of giving them {$1000.00} and letting them hold it without interest and {$240.00} in fees. 

It did not turn into a regular card even though credit was fixed and they decided to change the agreement. I 'm growing weary of this bank which has been so predatory of military veterans
Consumer complaint received 2016-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

I have several Student Loans. I consolidated and then other companies purchased the Student Loans and the incorrect balances carried over from XXXX to XXXX to XXXX XXXX and now Navient. I made a payment of {$25000.00} in 2007 and now this payment does not show it was a credit to my Student Loan. Either the Balance was not credited or the new Student Loan company carried over the incorrect balance.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

Chap XXXX bankruptcy discharged XXXX XXXX, ( home was included ). XXXX XXXX sells loan to Bayview. XXXX home mod attempted but not taken by home owner. XXXX XXXX foreclosure re-started, XXXX auction was cancelled. Not rescheduled. Neither Bayview or their lawyers will respond to emails about when or if the auction will be rescheduled. XXXX years after bankruptcy and XXXX years last mortgage payment still no resolution, although they continue to pay the taxes and house ins on the property.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (CO)

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : UPLIFT INC. 
ACCT NUMBER : XXXX DATE : XX/XX/2019
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NC)

I recently disputed inaccurate information that I noticed on my credit reports with the creditors and the credit bureaus. I sent documents showing I was involved in a data breach however they did nothing to remove this erroneous information. I asked for verification of these accounts and did not receive any further clarification.
Consumer complaint received 2021-10-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (CA)

I, XXXX XXXX XXXX , am that I am, the consumer pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b )/ I entered into a consumer credit Transaction with NAVY FEDERAL CREDIT UNION on XX/XX/2017, this consumer credit transaction includes a Finance Charge pursuant to 12 CFR 1026.4, NAVY FEDERAL CREDIT UNION failed to explain the method of determining the finance charge pursuant to 15 USC 1602 ( v ), failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. / NAVY FEDERAL CREDIT UNION failed to include my property insurance in my Finance Charge pursuant to 12 CFR 1026.4 ( b ) ( 8 ). The Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. / Pursuant to 12 CFR 1006.38 ( c ), I Disputed and Requested for Original-Creditor information, including name and address. NAVY FEDERAL CREDIT UNION refused and failed to disclose the name and address of the original creditor, even if I requested. / Pursuant to 12 CFR 1006.30 ( e ) NAVY FEDERAL CREDIT UNION is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. / NAVY FEDERAL CREDIT UNION monthly statements constitute a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 6 ), and I am demanding Documentary Evidence. 
Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited and adverse credit report is also prohibited. / Pursuant to 12 CFR 1006.38 ( d ) ( 1 ) the failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. This debt is being disputed NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction pursuant to 12 CFR 226.15 ( b ). NAVY FEDERAL CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION. /
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. Capital One failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under XXXX U.S.C. XXXX ( b ) ( l ) ( A ) through XXXX U.S.C. XXXX ( b ) ( l ) ( XXXX ). XXXX. With the failure to request removal of the Capital One trade line, and the failure to request the tradeline be marked as XXXX in dispute, my XXXX XXXX, a benchmark for near all facets of life in today 's society, was artificially deflated. Capital One 's actions were negligent and willful and wonton.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

A hold was placed on my debit card without any warning from citibank. I called to request the hold be removed and they said they called my number and left a voicemail with a reference number to verify my account. I did not receive the voicemail and asked for them to call again. They put me on hold and claimed that they called my number but I received no call. The agent then promptly hung up after saying that my card would be locked until I had a number that they could reach to verify me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (MI)

I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from barclays bank delaware. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my XXXX  and my XXXX  reports.
Consumer complaint received 2016-12-21
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (DC)

I have been trying to track down my student loan debt with navient once it moved from under XXXX XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the XXXX, at the XXXX, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my XXXX community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via XXXX and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the XXXX. Especially when they can find my current address easily as a matter of public record.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

My name is XXXX XXXX I have talked to a agent and a supervisor but they couldnt help me delete my account thats is permanent limited they asked for a bank statement and I told them I cant get XXXX or dont have XXXX I am requesting yall to delete my account ending in XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

The loan was paid off through bankruptcy. After bankruptcy was completed I began to receive delinquent phone calls although I received the title for the vehicle. After speaking with the company they promised to have the delinquency removed from my credit profile. I tried to dispute several times but XXXX will not remove the negative rating on my credit profile. I would like to file the complaint against Regional Acceptance and the credit bureaus XXXX, XXXX, and XXXX that are reporting this item as negative.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC. (VA)

On XX/XX/2024 I attempted to initiate a transfer of {$32000.00} from my XXXX Checking account to my Robinhood brokerage account. I received an error saying to try again shortly. I exited, went back to the main screen, and then attempted the transfer again. I received another error telling me to try again. I tried a third time and it said that it processed. I noticed an increase to my Robinhood account that appeared to only be one {$32000.00} payment so I figured only the successful third attempt went through. 

On XX/XX/2024 I noticed XXXX pending changes on my XXXX checking account for $ XXXX each on my XXXX Checking account, and my balance was negative {$63000.00}. I immediately called my bank to stop charges on the XXXX duplicates. I then realized that my Robinhood account was also reflecting XXXX $ XXXX transfers. I chatted and called Robinhood to cancel the transfers, and try to get some of my cash balance transferred to XXXX to cover the deficit and be able to pay my mortgage and bills that were coming from that account the next day, on XX/XX/2024. Robinhood offered mixed and confusing information, and even said that those errors and duplicate charges happens. Robinhood would not cancel the pending transfers that were causing my XXXX account to overdraft over $ XXXX. They also would not allow me to withdraw anymore of the available cash balance to cover the deficit that their system error caused in my XXXX account. I was only allowed to withdraw {$50000.00} which didn't cover the overdraft that Robinhood 's app errors caused.