davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (AL)

In accordance with the fair credit report act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1861 section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a critter may not treat a payment on a credit card account under an open consumer credit plan is late for any purpose
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

The loan process was a disaster and took almost two months. I was told numerous times they didn't do certain things with the courts in response to getting a letters stating that my account was current, only to forward them the emails from the courts saying they just 10 minutes ago did it with the same company. Had i not been persistent we wouldn't have ever gotten to the close. Horrible service. I closed over two weeks ago and based on our contract that we both signed the loan was supposed to be paid off to my current mortgage company by the XXXX. It is now the XXXX and i just called and sat on hold with rocket mortgage for over an hour and a half with no answer. I called them back only to find out they aren't open anymore. I have accrued interest during this period and I had to call them once i realized the issue. How they miss not paying off my loan but create and account for me to pay is beyond me. DONT EVER USE ROCKET MORTGAGE!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

Request proof of submission for a loan or credit account. This was not provided by either company or credit reporting agency. this is because it was part of a Identity theft breach. 
I provided information proving the Identity theft. The CBNA inquiries need to be removed from my credit report. All of them. No one tries the same company and application this close apart after being denied except if its identity fraud. 

XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

My debit card was stolen around beginning of XXXX. On XX/XX/2024 I called NetSpend and blocked my card on the automated system. The agent on the phone told me of the unauthorized transactions at XXXX XXXX XXXXXXXX. The agent filed a claim for me over the phone. Then I was told to send an email to NetSpend with the claim number, date and that my card was stolen. After I sent the email, on the XXXX business day I learned my claim was denied. How could it be denied if my card was stolen from me? I don't know who took my card. I never gave my card to anyone. I don't bank with XXXX XXXX XXXXXXXX. And I don't have any one else on my account. I called a lawyer to see how I can catch the criminals that took my bag and card and he said I'm not responsible for fraudulent unauthorized transactions. My money is gone without my consent and I have to pay my bills or I'll be homeless. This isn't fair.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (VA)

American Credit Acceptance is trying to repossess our vehicle claiming we are 3 months late when we aren't and they are telling us the payoff is XXXX when the whole account was XXXX all together at purchase, 22 months ago and we have paid over XXXX, $ XXXX per month, including {$3500.00} as down payment and they've taken a lot of it for fees and taxes and whatever else. I checked my credit report and American credit Acceptance is not reporting all payments we've made to them the whole 22 months. We paid XXXX down on the vehicle at XXXX XXXX XXXX 22 months ago. That isn't even being counted and our vehicle is now up for repossession when it shouldn't be. We are not behind 3 months, one more payment should pay it off. They want more money and won't uphold the contract.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XXXX. Since XXXX, I have applied for an assumption and modification, even loan forgiveness or forbearance, and followed the requests of Select Portfolio Servicing ( SPS ). 

XXXX. SPS has failed to review my applications for loss mitigation within 30 days for nearly 10 years since my divorce and overcharged me with excessive fees for monthly valuations. 

XXXX. They also delayed processing my requests causing me extensive harm with prolonged deliquencises, and late fees causing financial injury now. If they processed and completed my package in XXXX, even in XXXX, I would not face financial injury today. A {$510000.00} loan in XXXX is now nearly with a balance of {$800000.00}. 

XXXX. Like clockwork, and as listed in my previous complaint in XXXX, I received a notice my application was complete, and then XXXX weeks later, they sent a letter asking for more information. I have complied with all requests. 

XXXX. On XX/XX/XXXX, I was sent a notice for Required Information stating the information was insufficient, after yet another completed package notice for review over 30 days. 

XXXX. SPS was unable to determine my pay frequency based on documents uploaded on their system by me in XX/XX/XXXX with a deadline to respond by XXXX XX/XX/XXXX. 

XXXX. On XX/XX/XXXX, I logged in to the SPS system to upload my documents. I noticed another letter dated XXXX XXXX. I was not notified of this document by email or mail. 

XXXX. The letter was a payment plan that included an excess of fees and excess fines for valuations nearly every month. 

XXXX. I called SPS to ask why the payment plan was made during the time of applying for the modification at the same time. Why did they do a payment plan on an incomplete application, according to their records? The customer service rep from SPS was just as confused. When she came back she said it was final, I needed to accept it or my house would be foreclosed ; I had no choice but better comply. Sounds a bit threatening. 

XXXX. I asked for a forbearance, loan forgiveness, or deferral, and she said no that the lean holder does not do that. The loan holder is XXXX XXXX, and the rep did not tell the truth as XXXX XXXX offers these for their customers. https : XXXX  XXXX. I then asked for an itemization of the calculations and how they came to the payment. I was told, " No. '' They would not allow me an itemization of what I was paying for and why it was so high. 

XXXX. SPS continued to send people to my house with notices for collection even though they had my email and contact numbers. 

XXXX. In conclusion, SPS has failed to review my applications for loss mitigation within 30 days for nearly 10 years since my divorce, overcharged me with excessive fees for monthly valuations, denied all levels of assistance under the guidance of XXXX Bank, denied an itemization of all charges, and threatened to pay or else I would lose my home.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I called TransUnion today and told them that I didnt recognize a inquirys on my report. They stated that they couldnt remove them. Ive sent them letters in the past. And Ive called them in the past.. they dont take us consumers seriously anymore.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 11 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (PA)

In XXXX of XXXX I purchased a vehicle. Due to my credit score and the need for a car I was only given the option to purchase the vehicle with XXXX down at a monthly payment of XXXX at XXXX percent interest. 2 Years into the loan it became apparent that majority of the money paid went into interest. for 6 months payments went to only interest and no principle. I researched a company called, " Credit Acceptance '' and found that they were penalized for predatory lending. It became obvious that I have been subjected to predatory lending with this company now called, " American Credit Acceptance ''. By the time my car is paid off I will have paid between XXXX for a car worth XXXX.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I had a terrible experience trying to refinance with this company. The loan officer was more interested in locking in my rate and collecting my deposit, {$500.00}, then trying to help me understand the process. They made extremely unreasonable statements about the timeline, closing in 15 days ( current industry standard is 30-45 days ), having an appraisal innated in 24-48 hours ( didn't hear from the appraisal company for 6 days ) and promised quick and easy communication ( after finalizing the deposit I never heard back from the loan officer unless they were contacted by a third party ). When promised communication and timelines failed I called the company directly to cancel my application and get my deposit reimbursed. Even after telling the customer service I no longer wanted to receive communications from the assigned loan officer I was immediately contacted by them because they were notified of the complaint. Mind you I had tried to contact the loan officer directly through many different means prior to filing a complaint and and canceling the application. My request was ignored and the process continued with the same behavior. Poor communication and the only getting responses if communicating through a third party. I was naive to believe the loan officer and commit a deposit not understanding that it is not an industry standard practice. After contacting multiple other refinance companies I found that their rates were not as low as I was led to believe and that their are much better options available then what they presented to me. After deciding my best option forward was to work with a different company the loan officer contacted me and asked why I had stopped complying with their process. I informed him that I decided to go in a different direction, he made no attempt to make good on his promise to match rates. Not that I wanted to work with him any longer. But I was informed that the only way to get my deposit back was if they could not match a rate another company was offering .... 

I would really like to get my deposit back but my review is more a result of the terrible customer service I received than it is from loosing out on my deposit.
Consumer complaint received 2015-10-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AL)

New Rez took over my mortgage in XXXX. I received a letter in XX/XX/XXXX stating that I was overdue on my payment for XXXX. My bank statement showed that the payment went through XX/XX/XXXX ( I make payments 1 month ahead of schedule ). I called the company to sort out the issue and was told to email XXXX with proof of XX/XX/XXXX- XX/XX/XXXX payments. I emailed screenshots of the payments to this address but did not receive a response. I continued receiving letters showing an overdue balance and late fees. 

I called again on XX/XX/XXXX and was told to send bank statements from XX/XX/XXXX- XX/XX/XXXX to XXXX XXXX XXXX XXXX. I sent the statements that day. I did not receive any response but continued receiving letters with overdue balance and late fees, so I called again on XX/XX/XXXX. This time, I was told to send the statements to XXXX, and that I would receive an update later that day. I emailed the statements immediately but never heard back. I continued receiving the outstanding balance letters. 

On XX/XX/XXXX, I emailed both XXXX and XXXX XXXX XXXXXXXX XXXX requesting an update. I also attached my latest bank statement for XXXX that showed I made a payment on XX/XX/XXXX. No response. 

On XX/XX/XXXX, I attempted to pay my monthly payment on the New Rez portal. I was not able to make the payment without including late fees ( which I should not owe since my payments have all been on time, 1 month ahead of schedule ). I emailed both XXXX and XXXX XXXX XXXX XXXX again, including a screenshot of the error and a request for a status update since I have heard nothing back. 

Throughout this process, I continued to make my payments one month ahead of schedule. I have never received any communication back from New Rez, despite being promised both phone and email updates.
Consumer complaint received 2021-10-06
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: Opportunity Financial, LLC (IL)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on OPPITY FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2021 I logged into my Bank of America account to find that my checking and savings account were both missing with a combined amount of {$32000.00}. 
I spent the next 12 hours on the phone, on chat and even at the local branch trying to get answers. All they tell me is its in the closing process and it takes a certain amount of days and you will get a letter in the mail with more info. 

All my paperless statements are gone. I have pending chargebacks that they wont tell me will happen with. They refuse to tell me anything and have reverted to snail mail when all they ever do is badger you to go paperless for all your statements and pay your bill online in seconds. But when its time 6l give you your money back its horse and buggy time.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

On XXXX XXXX I filled the following complaint with the CFPB. Here is the complaint. 

On XX/XX/XXXX I called what I thought was XXXX XXXX Customer Support.The purpose of the call was to change my award travel ticket to a different date. The phone was answered Customer Support so I had no reason to think it was anything other than XXXX XXXX. The support desk said they would change the ticket date for me but in the transaction they asked my for my credit card number. I thought this was very odd but I mistakenly gave it to them. I was worried about it and after I hung up, I called XXXX XXXX again to make sure the ticket change was legitimate and it was, Two days later I received a phone call from XXXX XXXX XXXX asking me about a charge for {$980.00} from something called XXXX XXXX XXXX. I said that I did not authorize any transaction to XXXX XXXX. I disputed the charge since I never spoke to anyone at XXXX XXXX XXXX. When I disputed the charge, MasterCard- through Barclay 's Bank , issued a credit for the amount and investigated it. After the investigation and my speaking to Barclays on XX/XX/24, they claimed that XXXX XXXX showed documentation that I authorized the charge. Barclays said that because I authorized the charge they would not cover the {$980.00}. I asked if they heard a phone recording or what documentation did they receive to substantiate that claim? I tried to call XXXX several times. No one answers the phone and I also emailed them to ask about the charge. I never received a reply. Barclay 's Bank representative says that because the travel agency said that I authorized the charge that means that I did. But I did not authorize anything to XXXX XXXX. I have since found out that XXXX is a scam company. My complaint is with Barclays Bank and the XXXX XXXX XXXX. 

Since this complaint was filled I asked a friend to call the phone number that I used to change the ticket addressed in the complaint. I have attached the recording. XXXX XXXX confirms that they do not charge a change fee for award travel and that they never received any money for the ticket change. XXXX XXXX also confirms that there was no cost for the service because it was a date change and there is not charge for date changes on award travel. The money XXXX XXXX charged me went to their travel service and not XXXX XXXX.
Consumer complaint received 2021-10-06
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: Bread Financial Holdings, Inc. (IL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX . Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-06
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. (PA)

I have contacted this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}
Consumer complaint received 2020-06-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (NM)

XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently NCA showing as an open collection this has dropped my FICO 4 score 49 points making
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Management Named As : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorizeon 3. Proof that I personally initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-10-06
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. (PA)

I have contacted this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX  XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}