davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have been paying for Equifax Complete Advantage Plan monthly for a couple of years in an effort to monitor and correct errors which I knew existed on my Equifax report. The errors on my Equifax report include accounts that are not mine and several names and addresses associated with my Social Security Number which are not mine. I have attempted on at least 4 occasions over the last year to dispute the information and get them to fix the information by following their online dispute process. I have received emails indicating that the dispute investigations were complete, and that I would need to login to the Equifax site in order to review the results. But I could not access the information on the site because the security questions I am asked to complete are not associated with my records ; they are associated with the records of the people whose names are erroneously being reported on my Equifax report. The mess they have created has made it impossible to resolve the issues online. As a result, I have tried calling them to resolve the issues and have been transferred from one department to another and to another. No one at any of the departments knows how to resolve the problem and no one ever reaches out to me to try to resolve the problem. Back in XXXX of 2017, I took a day off from work to contact them by phone. After hours of trying to get to the right person, I spoke with a supervisor who assured me changes were made, but I am now paying for another service ( XXXX  XXXX ) and I can see that the erroneous names are still there. Additionally, I am now receiving pre-approved credit offers in the mail for one of the erroneous names on the report and I am concerned that someone on my report will start opening the pre-approved credit accounts and complicate my report further. This is such flagrant incompetence and/or a scam on behalf of Equifax to delay the resolution and continue to receive my monthly payment. They appear to have no interest in fixing the report. 
My next steps will be to get attorneys involved. I can not continue to waste time with their incompetence and lack of resolution.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX must be removed from my report.I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started texting landlines. Texts did not go thru on landlines. XXXX XXXX charged me {$290.00} for texting landlines which could not would not go thru.
Consumer complaint received 2017-12-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (OH)

{$1200.00} was to have been refunded to my Paypal account by the XXXX XXXX XXXX when seller, XXXX XXXX XXXX, XXXXXXXXXXXX cancelled and supposedly refunded on XXXX XXXX, XXXX. Seller claimed the guitar I bought was defective. Original purchase was on XXXX. Seller has already relisted the guitar on XXXX without having completed the refund. 
I attempted to contact Paypal on two dates several times to resolve this fraud ... XXXX/XXXX/XXXX ... calls would not go through or would get disconnected. XXXX Paypal was closed! 
Transaction number XXXX.
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am really concerned and honestly afraid. My loan was recently sold to SLS Mortgage - Specialized Loan Servicing from XXXX XXXX XXXX. My monthly payments are {$1400.00} a month. My principal balance was XXXX on XX/XX/2016 I made an {$8000.00} payment and asked that the rest be put towards the principal. Today XX/XX/XXXX I went to look at the transaction history and it is a mess and says I owe XXXX and that they did receive and cash my payment. Please help. I called today and spoke to someone that wrote a note I the system so that I can be fixed and the guy was nice but so unprofessional. he used words like a, da, bummer. I have also never received a statement and I told the person as well and he was like a ok what kind of statement. I asked to speak to a supervisor and no supervisor. Please help, is t his a legit business?
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Business Factors (NV)

National Business Factors in XXXX XXXX, Nevada. 
" XXXX '' called me at my job and told me that my payment had gone down considerably so I told her that my husband had lost his job and that is why. She then asked me if I had a job, which I replied that I did. She then told me that she could not accept a {$25.00} payment on a {$12000.00} medical account and if I do n't make a {$100.00} payment by XX/XX/2016 that my " XXXX '' is on the line and not my husband 's, referring to being taken in to have my wages garnished. I do n't make any where near what my husband was making, I have XXXX children that I 'm still supporting and I 'm separated from my husband.
Consumer complaint received 2016-10-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX, 2016 Attn CFPB, I submitted a complaint regarding Bank of America 's Predatory Lending Practices on XXXX/XXXX/2016. I received a voice message from XXXX XXXX XXXX of Bank of America 's Regulatory Complaint Servicing Department at XXXX on XXXX XXXX, 2016. He left this number XXXX and Extension XXXX and asked me to call him back. He sounded very new because he did not even know his own telephone number or extension and fumbled when trying to look these up to leave the message. 
I have called this number and extension on the dates and times listed below. It is actually the number for XXXX XXXX XXXX of the bank 's Regulatory Complaint Servicing Department. I have left a voice mail each time asking for him or someone to call me back but no one has done this yet. Even though I have called multiple times the phone only goes to voice mail. 
I bring this to your attention as I believe this department may be doing some kind of sham or cover up type work. Specifically making calls to CFPB complainants at late evening hours just to paper or document that the bank tried to call and resolve the issue. The fact is they have no intention of speaking to anyone or returning any calls. 

My calls/voice mails to Bank of America 's Regulatory Complaint Servicing Department : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Five calls no answer. Five messages, none returned. 
Sincerely XXXX XXXX
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Payoff process — 
Company: Army and Air Force Exchange Service (WA)

XX/XX/XXXX, The " Take It Home Credit Card '' program was discontinued. I continued to pay my balance, unable to charge anything to the credit card. XX/XX/XXXX I paid {$2900.00} with a remaining balance of {$710.00}. In XXXX I started an automatic payment of {$50.00} per month and have continued to pay monthly. XXXX, I received a bill of {$200.00} with {$100.00} past due. I contacted the exchange program via phone and they told me my minimum payment has been {$100.00} since XX/XX/XXXX. They said that the minimum payment due was calculated from the last time something was purchased, and the only way to reset the minimum payment due would be to purchase something on the card, although discontinued. Then they stated that I was unable to reset my minimum payment due. From XX/XX/XXXX to XX/XX/XXXX, I have paid a total of {$3400.00} to the account. If I had just paid minimum payments from XX/XX/XXXX to XX/XX/XXXX, I would have paid {$1000.00} in total. This does not seem fair since the total owed right now is {$290.00}, and they are asking for XXXX of the total remaining balance ( {$200.00} ). It is also unfair because I am not able to reset my minimum balance based on what is owed, and the company claims they are unable to do the same because it would be " fraud ''. How is it they can set the payment based on the total balance since my last purchase, but they ca n't set it based on the remaining balance and what is actually owed on the account? Another thing the company said is that you can only prepay up to 6 months and then they start requesting the minimum due automatically and this ca n't be changed. Would n't the money I have been paying since the large prepayment count towards repayment as well? None of this seems legal or fair to the consumer.
Consumer complaint received 2017-02-26
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My auto loan is due on the XX/XX/XXXX ND of each month I talked to them several times letting them know my situation has changed. After a year of continuous on time payments I have only been late 3 or 4 times. They start to call on the XXXX and call all the way even on Sundays which that is against the law I thought for Texas. One day they even called continuous just because I owed a late charge of XXXX. That 's after I made a payment 2 days before. They also harrass my wife 's phone at XXXX XXXX XXXX. Why do they call her since they say she could n't be on the loan. What can I do? The name of the company is credit acceptance @ XXXX.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have the American Express Delta Reserve SkyMiles credit card. XXXX of the features of the card is bonus miles ( rewards ) after spending a certain amount with that card within a calendar year. A few days before XX/XX/2016 ended I called an AMEX representative to find out exactly how much more I needed to spend in order to meet that bonus requirement. I was told that I needed to spend about {$300.00} more ( I ca n't remember the exact number ). I went ahead and spent {$330.00} to be safe. After the year closed I did n't get my bonus, I called to find out why. I was told that it was because I did n't meet my spend requirement. They told me I was {$100.00} short. 
I was told inaccurate information by a representative and as a result fell short of my spend requirement. I made a complaint with AMEX and was told that they will honor the bonus due to the result of their investigation. It has now been over a month and I still have n't received anything. When I call customer service they tell me that " they are still investigating the case ''. It has now been close to two months with no resolution.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

In light of the recent Fraud and Schemes that have been reported in the news concerning Wells Fargo Bank, in whom I do bank with, I have grown very suspicious of two recent things concerning Wells Fargo. First my log on password was suspended for no apparent reason, Second ; I received a refund Cashier 's Check dated XXXX/XXXX/2016 in the amount of {$12.00}. Check number XXXX. The letter stated it was a refund from a loan. Loan # XXXX. The odd and suspicious thing is that I do not recall or have knowledge of this loan. I am very concerned that my identity, account, and privacy has been compromised. I called Wells Fargo today, and could not get a straight answer to any of my questions. I would very much like to know what is going on, and what can I do to protect myself. If you may assist me in anyway, I would greatly appreciate it. Thank you.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: RentDebt Automated Collections, LLC (AL)

This company has removed and reinserted previously deleted information. For several years, I have been monitoring my report. I noticed that this collection account was removed and told that it was due to problems with the previous managing company of the apartment complex. Several years later, the account was added back to my report. In XXXX XXXX, I did not have any collection accounts on my credit report. In XXXX XXXX, this company decided that after 6 years they would reinsert this alleged debt and substantially ruin my credit rating. I called to inquire about the debt and was told that during the 5 years, there were 2 attempts to call me and both times they did not speak with anyone. The two attempts to contact me was 5 years ago as this debt was opened in XXXX. During the initial conversation, I told the representative that this had been removed and added back to my report. I asked her to tell me the first removal date, and after a short pause, she placed me on a brief hold. After returning to the phone, she insisted that she " did know '' when or why it was removed, but that it was added back in XXXX XXXX as a new collection.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I had a Preferred Thank you card with Citi which I cancelled when I was bill an annual fee. When I cancelled I agreed to continue my relationship and Citi offered me a no annual fee card which I agreed to take. Citi send me a written confirmation of the cancellation of the Preferred card cancellation. 
I just received the first bill on the new card and it contained a {$95.00} previous charge ( The annual fee from the cancelled card ), a {$25.00} penalty and a {$3.00} interest charge. Citi deigned to reverse the charges after an hour call and said the {$95.00} fee would have been reversed later after 60 days expired from the cancellation date ( and cancellation period was required by law ). That may be true but they were silent with respect to the interest charge and the late fee. 
There practice seem just wrong and Citi should be required to change their policy or at the very least suspend the imposition of a fee on a cancelled card!.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an Amex card due to their promotional offer. I was about to book my honeymoon trip as soon as I got the card due to their offer of spending XXXX in 3 months or XXXX in travel in 6 months which I most certainly would have. Upon receiving my card I was told I only had a XXXX credit limit and it could not increased for 60 days, unfortunately my honeymoon is in exactly 60 days so I can not wait to book the trip. At first I was told EVERYONE started at XXXX credit limit, then I was told it must be due to my credit score ... of XXXX. Then I was told it was due to my number of credit card..I have XXXX. Then I was told it might be due to the credit limit I have, a combined XXXX limit compared to my income ... my income is more than 10 times that amount not combining my fiance 's income. Finally I was told the number of loans may have affected the credit limit I was given ... I have zero loans. So I ask why bother doing a credit check, and putting a hard inquiry on me, if I would get something standard and low and how am I to take advantage of this marketed offer without having a high credit usage? The response was to charge my trip, ask for permission to go over my credit limit and pay off the balance so I can charge the rest of it thus eliminating the purpose of a credit card. I do n't see how an average consumer can take advantage of the marketed offer, specifically the first 3 months, without incurring a high credit usage. On top of that why bother running a credit report on me and end up giving me a XXXX credit limit. The response I got kept changing and their was no justifiable reason for the low credit limit. I was unable to book my trip, wasted my time waiting for the card to arrive and closed my account immediately with them.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX I closed a secured credit card with XXXX XXXX that was in excellent standing. XXXX XXXX XXXX, I checked my Transunion credit report and my score had dropped XXXX points from XXXX to XXXX overnight and the only change to the report is that it now shows I closed a secured credit card in which I used to build my credit by an initial deposit of {$300.00} to maximizing it to {$5000.00}. My issue is that from the time I opened the card I never saw the alleged benefit of having a secured credit card other than from my own efforts, not even by XXXX points, ( ie on-time payments, and paid interest, etc. ) but closing it lowered it XXXX points???? I am a XXXX Veteran over 30 % in the process of building a home and securing a mortgage that I am due to close in XXXX XXXX and the impact of this can present an undue hardship for me. I have worked extremely hard to re-build my credit. My reports show that I have an 18 % credit card utilization, {$48000.00} unused credit, and 100 % payment history. However, the derogatory marks, age of credit history, total accounts, and hard inquiries all vary between the XXXX credit agencies, which is something that I 'm always challenging without a resolve. The only change that is consistent on all XXXX reports is the closing of the secured XXXX XXXX card which was supposed to help the consumer, but has caused me more harm. After contacting Transunion, they did send a free copy of my credit report, but that does n't undo the damage to my credit score dropping from XXXX to XXXX overnight. I have been penalized for closing a secured credit card account that I was supposed to benefit from, but instead has damaged my credit considerably. If having a secured card is a good thing to help consumers build credit, then once that has been accomplished or no longer needed at the discretion of the consumer, then if the card remained in good standing ; reasonably, closing the card should raise your score XXXX points, not lower it.
Consumer complaint received 2024-10-25
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-09-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO ORDERED APPRAISALS FOR OUR MORTGAGE ON OUR BUSINESS PROPERTY WITHOUT OUR KNOWLEDGE AND WE DID NOT RECEIVE COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY AND ASKED FOR A PAYOFF. WELLS INCLUDED " APPRAISAL FEES '' FOR {$5300.00}. WHEN WE QUESTIONED THESE FEES THEY RESEARCHED THEIR FILES AND FOUND OUT WE HAD PAID {$2000.00} OF THESE FEES. WE WERE GIVEN A CREDIT FOR {$2000.00} AND WE WERE TO RECEIVE {$3300.00}. BUT XXXX CHANGED THE INTEREST THROUGH AMOUNT FOR THE SAME DAY X/XX/2017 FROM {$480.00} TO {$480.00}. WE WERE REFUNED A CHECK FOR $ {$3300.00}. PER OUR CONTRACT WITH WELLS AND THE EQUAL CREDIT OPPORTUNITY ACT-REGULATION B, WE WERE NOT GIVEN COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY IN 2017, WHICH WAS YEARS LATER. PER THE DODD-FRANK ACT THE APPRAISALS FOR OUR PROPERTY WHICH WAS IN A HIGH RISK LOAN ACCOUNT DID NOT INCLUDE A VISIT OF THE INEREIOR OF THE DWELLING.
Consumer complaint received 2016-10-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I submitted documentation from Santander agency verifying I had paid off an auto loan in 2012 trading in auto and paying balance of loan of loan more than {$9000.00} ; to date this is reported to XXXX as a {$17000.00} charge off significantly affecting my credit. Twice I have submitted documents supporting the auto loan paid in full and it was to be corrected by XXXX XXXX ; this was not done.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

This in a complaint against the credit bureau EQUIFAX, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My XXXX account was hacked on XXXX/XXXX/2017, and a gold coin was purchased for {$680.00}. As soon as I noticed this activity on my account, I contacted the merchant the same day notifying them of a fraudulent purchase and asking them not to ship which they complied with. I also contacted my credit card company the same day who started an investigation, credited my account for {$680.00} and sent me a new card. A week later the merchant issued a refund in that amount. The bank then debited my account in that amount, to even out the balance. However two weeks later the bank debited my account again in that amount. I called to complain, and was given credit, which evened the balance. Then two weeks later the bank debited my account for a third time again. My account was credited 2 times but debited 3 times.
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Outsourcing Group, LLC (PA)

Several years ago I had a credit card which my fiance ' ( at the time ) used without my permission. I had tried several times to make arrangements with the original credit card company for payments that I could afford which were declined so I let the debt go so to speak -- Now a different company ( who purchased the debt ) has been calling my employer -- I contacted them and asked them NOT to but they continue. I also requested that they send me a copy of the debt ( because the amount they say I owe is NOT the same as the amount I was told before ). I also asked for payment arrangements in writing and the rep ( XXXX XXXX ) told me NO WAY -- they will NOT send anything in writing and that I would need to provide them with my checking account information for direct withdrawals. I am now filing a complaint because of the fact that they will not stop calling my employer and that they refuse to provide me any information in writing.