davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (TX)

We sold our house on XX/XX/XXXX. Homebridge is the mortgage company with our escrow account that would need to be refunded. 
XX/XX/XXXX XXXX We call Homebridge about our refund for our escrow. We were informed their policy is 17 days after the close of the house. We were given the amount of the refund and that the check should arrive by late that week or early the next week. 
XX/XX/XXXX - Called Homebridge, we should have received the check by now, verified our new address and they would reissue check. 
XXXX XXXX Had not received refund check yet, called Homebridge , checks are slow due to covid and may take extra time. Informed her a check was to have been sent over two weeks ago, she verified we should have received it. She would expedite this and see if a new check could be sent out. Again, we verified our mailing address. 
XX/XX/XXXX - Had not received check, so we called Homebridge again. Check had not be issued yet, but was going to be expedited. We are closing on new house on XXXX XXXX and this refund check is needed for part of closing costs. Was going to expedite this and get a check issued. To call tomorrow afternoon and they would have information on check being sent out. 
XX/XX/XXXX - Called Homebridge, check not issued yet, would have check issued and overnighted by XXXX  XXXX, call tomorrow for tracking number. 
XX/XX/XXXX - Called Hombridge, Check has been issued, but did not have a tracking number for it.Should receive check on Monday by XXXX  XXXX. 
XXXX XXXX Did not receive XXXX  XXXX package. Called Homebridge, should received today or tomorrow ( tuesday ) did not have tracking number but did give a XXXX XXXX   confirmation number XXXX XX/XX/XXXX - Did not receive check. Called Homebridge. No refund Check has been issued by XXXX. Would expedite and have a manager call today. 

Well no manager has called us today or tonight. I should include that during these calls on these dates, it was never the first call, we would have to wait 35 to 45 minutes for someone, who would hang up and then we would have to make the call again. Overall we were hung up on 12 times. 
So in essence, we have been hung up on multitude of times, lied too a multiple amount of times and still no payment. We are having to liquidate some funds to we can pay for our closing on XX/XX/XXXX.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

I have 2 seperate collections through cell phone companies that I have never had knowledge of showing up on my XXXX Report. 

1. {$10000.00} through 11 XXXX  XXXX  sent to Credence Resource Management on XX/XX/20. I have disputed the debt with XXXX  directly, attempted to dispute it with XXXX XXXX  and they told me they have no record of an account under my name or SSN, and I told the debt collector who called me that it was a fraudulent account and they said they would submit a dispute and I have never heard anything else from them. Despite all of this it is still on my credit report. 

2. {$2300.00} through 11 XXXX sent to XXXX XXXX XXXX on XX/XX/20. I have also disputed this with XXXX  directly and they told me they confirmed the account was valid, although I have never had an account with XXXX. I submitted 2 online disputes to XXXX Fraud unit online, the first time they told me I did it incorrectly and the second one is pending. I have never heard from this debt collector and when I called them they said they had no record of the debt. Again it is still on my XXXX  rerport.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (FL)

Repossession expense totalling {$3700.00} I have contacted Westlake Financial various times asking for an explanation. My husband had an accident on XX/XX/XXXX and passed away while driving, the vehicle was a total loss. I informed XXXX, my insurance agent and they immediately paid off the car but we did not have Gap insurance and therefore a balance of {$3800.00} remained unpaid ( please see attached payment history ). I immediately called Westlake and they informed me that I could continue making monthly payment until account was paid in full, I have made monthly payments every month since XXXX. In XXXX, XXXX I noticed an " unpaid other fee '' of {$1000.00} I immediately emailed Westlake inquiring about fee, I later received a letter in the mail ( see attached letter from Westlake ) where they explained they were charging me this fee because those were fees charged to Westlake from a third party vendor for removal and disposing of car. In my XXXX, XXXX statement the " unpaid other fees '' went up to {$3700.00} I again contacted Westlake and this time I spoke to XXXX XXXX & XXXX XXXX ( Supervisor ), they both informed me the car was still at an auction and as long as the car was not sold I would continue to pay the monthly fee. I called XXXX & XXXX sent me & Westlake proof ( see attached ) that XXXX had picked up the car in XXXX, XXXX paid whatever was due and XXXX sold the car XX/XX/XXXX ( see attached proof from XXXX ).  XXXX XXXX told both me and the representative from XXXX they would escalate the case and I would have an update in 24/48 hours. Last conversation took place XX/XX/XXXX, I have called several times and each time I get someone else on the phone and keep getting the runaround. Westlake said these were third party vendor fees, I asked them for receipt and they said they did not have available. Please help I don't know what else to do. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/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 2020-08-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MD)

On XX/XX/2020, I attempted to purchase a television from Walmart,  who in error placed ( 4 ) four separate charges in the amount of {$520.00} each for a total of {$2100.00}, on my Sam Club credit card held by Synchrony Bank. 

Walmart immediately removed ( 2 ) charges that were in pending status and promised a full refund for the ( 2 ) two remaining charges in the amount of {$1000.00}. 

On XX/XX/2020, Walmart posted ( 2 ) credit in the amount of {$140.00}, each for a total amount {$290.00}. On XXXX, Walmart posted another credit in the amount of {$370.00}, leaving an outstanding balance of {$370.00}, due back to the consumer. 

After reaching out to Walmart numerous times and told the additional credit would be processed On or around XX/XX/2020, I disputed the remaining charge of {$520.00}, directly with the cardholder Synchrony Bank and explained Walmart only provided a partial refund and the consumer was still owed an additional {$370.00}, to zero out the over charges. 

I completed Synchrony Bank required paperwork only to receive an email message from Synchrony Bank confirming partial credits were received but failed to investigate or address the actual issue the remaining balance/credit in the amount of {$370.00}, due back to the consumer account. 

I reached out to Synchrony Bank again disputed the remaining charges asked for an investigation only to receive another request for the same information which was supplied. 

Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank taking over this many accounts and consolidating control over some many of the consumers account which should be illegal.
Consumer complaint received 2023-07-05
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. (GA)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 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 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 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
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (MA)

Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-26
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution.XXXX, XXXX, and XXXX  reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX )
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I made a purchase under {$60.00} in XX/XX/XXXX. Yes I realized that i missed the payment so I paid and the late fees. I have spent so much on late fees. I finaly said okay, I will pay all them and that is when I spoke to someone in XX/XX/XXXX. They told me, I could skip the the next 2 payments ( XXXX & XXXX ) and no additional late fees, so I said I want to get this over and done with and at least I had some time to pay. Well to my surprised I get a call from a person trying to collect. Looking at the history the Company did not keep their part of the bargain and charged me a late fee ( on top of late fee balance on XX/XX/XXXX. I understand if the balance went unpaid into XXXX then I would have a late fee in XX/XX/XXXX. At that point I paid everything except the {$35.00} late fee that they were not supposed to charge me on XX/XX/XXXX and once again I message them to correct it. I was confident since I had in writing that they would not add no late fees in XXXX and XXXX that it would be taken care of and once again I have a late fee because of that XX/XX/XXXX late fee and I just can not see the end of this. I feel like they are abusing. See attachment.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

I have a loan with JPMCB CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX, XXXX )
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When we were selling our home in the summer of XXXX, in a very " hot '' market in our area, the Bank of America appraiser came back with an appraisal that was {$25000.00} under asking, claiming that it was based on the fact that he believed that we were in for an economic downturn in XXXX and that would impact housing prices. This was as opposed to valuing sales of similar properties in our area. I am concerned, as a XXXX homeowner, that we were discriminated against and believe we should be compensated for the excessively low valuation. We placed our home ( XXXX XXXX XXXX XXXX NH XXXX ) on the market for {$320000.00}. The valuation came in at {$290000.00}. We tried working with Bank of America to resolve but they refused a second evaluation, and refused to review the first.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have been attempting to get Equifax to merge my old credit report with my new XXXX since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with XXXX   more recently, and I'm sure XXXX  will be just as useless as Equifax and XXXX. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a mortgage account with Bank of America. I have had it for nine years and it had been working normally. I have never been late in paying and have a good credit rating.

Recently, Bank of America has done an upgrade to their software, and since then this account has become a nightmare. I made my usual  payment at the beginning of XXXX. I was told that no payments were being processed due to the upgrade. So I waited and made another payment after a week. Then the computer went rogue and started doing strange things. It is a long story, and I will give you the details if necessary. I tried everything to get this corrected. I have made calls, sent online messages, tried XXXX and XXXX, without any success. People have called me and made promises, but without any result. Now my mortgage balance has actually gone up, they have done things like payment reversal, depositing some money in my account, issued payment due notices. The most alarming thing is the increase in my mortgage balance. It leads me to believe that some criminal activity might be going on. I have tried to reach some responsible person in the bank without any success. They need to know about this computer malfunction or the criminal activity. 
My phone number XXXX XXXX XXXX XXXX XXXX Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for Captial One Bank ( USA ) N.A. However, Capital One sold the two credit  card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as Capital One Bank ( USA ), N.A. legal counsels, and was fighting the cases. Then the courts were shut down in XX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19.

A few days ago ; the collections agencies made new reporting to  XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; XXXX XXXX XXXX, XXXX. posing as Capital One Bank ( USA ), N.A. They are a debt collections agency that buys old charge-off debt. This company does not represent Capital One Bank ( USA ) N.A.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Office of Edwin B. Parry (UT)

Edwin Parry law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.
Consumer complaint received 2021-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

XXXX  XXXX. Since XX/XX/2016 Navient has been billing XXXX reporting on loans I do not owe. They have XXXX  me financially, XXXX, XXXX XXXX  XXXX. I've told them I have a XXXX  XXXX XXXX  sent them 733 documents proving the incorrect loans XXXX  amounts for 5 years. I was also informed by the Treasury Department that employees stole my identity. This was reported XXXX  the FTC. I have file bankruptcy, been XXXX  twice XXXX  will now end up on the streets a third time as I'm XXXX, XXXX  with nothing. Navient had XXXX  XXXX  XXXX  me for money I do not owe.
Consumer complaint received 2019-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

IM A VICTIM OF IDENTITY THEFT.AND I'VE TRIED TO REACH OUT TO CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY. I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE A LIST OF THE FRAUDULENT ACCOUNTS I NEED REMOVED.

FRAUDULENT ACCOUNTS 1 ) KOHLS DEPARTMENT STORE -AMOUNT XXXX -DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX -AMOUNT {$5900.00} -DATE OPENED XXXX/XXXX/XXXX 3 ) XXXX XXXX XXXX XXXX -AMOUNT {$3800.00} -DATE OPENED XX/XX/XXXX 4 ) XXXX XXXX  -AMOUNT {$460.00} -DATE OPENED XX/XX/XXXX