davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

A dispute was submitted to Experian concerning XXXX accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for the month XXXX and XXXX which should not be there. The car was paid in full XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full. 

XXXX XXXX XXXX was a previous collection account that was closed and removed from my credit report in XXXX XXXX. A notification was not sent to Experian which prevented the account from being removed.
Consumer complaint received 2016-12-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I made a payment to my XXXX credit card account that is managed by Wells Fargo. I used their automated telephone payment service and paid {$75.00}. Wells Fargo debited {$770.00} as opposed to the payment amount of {$75.00} which I normally pay. I called Wells Fargo this morning when it showed up on my bank account, depleting my funds, and they informed me I would have to wait 30 days to get the {$700.00} overcharge back into my bank account. I told them it was going to make me broke and they offered no quicker of a solution.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Please note that my information was used without my consent. 

An account under collection is reported as : XXXX XXXX Also inquiries which I did not authorized 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (TX)

Our mortgage was sold to Homebridge from XXXX. After our escrow account was audited in XXXX, we received notice that we had over a {$3000.00} shortage, which is fine, however, they also wanted to add a {$2500.00} cushion to our account, effectively raising our fixed rate conventional loan mortgage {$450.00} a month. Despite multiple calls, and inquires, I was never given satisfactory information. Under my account online, it shows that there is no escrow information, so I am unable to keep up with PMI and other information. We asked to pay down our mortgage and dissolve our escrow account, they said that Homebridge 's " rule '' is that there are only XXXX states allowed to do that, and Texas is not XXXX of them. In XXXX place their website says that you can pay down your mortgage, pay an escrow fee, and not have an escrow account, another area of the website says " no unless specified by law. " We were never given solid information, just told we had to pay or else. No one could justify or verify anything. It is very scary.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a secured card with XXXX XXXX for almost a year now trying to rebuild my credit and have paid it off on a monthly basis with no issues. It has always been my impression that you have a 30 day grace period after your statement date with a credit card. I recently decided to get a new credit card with a {$1000.00} limit from Capitol One who would n't stop sending me offers in the mail. This particular offer said 0 % interest for 9 months and I also remember seeing this on the info when I received the card. I received my first statement showing a balance of {$320.00} on it, just over the 30 % mark that I try to shoot for. After about 3 days I paid {$320.00} dollars on it thinking I will pay a small amount of interest on the remaining {$5.00} once my next statement hits ( which I heard will help your credit even more ). Once he next months statement drops I see that because I left a whopping XXXX $ on there and did n't pay it off in full they decided I did n't get a XXXX grace period and so I did n't only pay interest on the XXXX $ but I also paid interest on the full {$320.00} for the few days I had that balance after my last statement dropped. The biggest problem is that they have a financial term for this it is called residual interest and it is a ridiculous sales practice so now I am stuck with this credit card that has 25 % interest ( ridiculous in the first place should be XXXX ) and I feel like I have to pay off in full the day after my statement drops.
Consumer complaint received 2016-06-21
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Aldridge Pite, LLP (GA)

RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by Alridge Pite, LLP. and XXXX XXXX XXXX XXXX hereafter XXXX XXXX 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to Alridge Pite, LLP. and XXXX XXXX on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, Alridge Pite, LLP. and XXXX XXXX failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by Alridge Pite, LLP. at the request of XXXX XXXX See EXHIBIT-A. 

4. Please be advised that Alridge Pite, LLP. and XXXX XXXX is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. Alridge Pite, LLP. and XXXX after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. Alridge Pite, LLP. and XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling XXXX XXXX and Alridge Pite, LLP to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Central Financial Control.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am looking for help regarding inquires on my credit reports -- all XXXX agencies. 
I can not believe that anyone can access my credit without my permission as it affects my score ... I have received no help from all three of the CRA 's and they all claim that those who pull my credit do not need written and or permission ( just saying they have permission is valid )???? I have been disputed for several years and they refuse to remove .... Anyone can access anyone 's credit and drive their score down????? 
How can this be true?
Consumer complaint received 2016-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (AZ)

I wrote M & T Bank this letter on XXXX XXXX, XXXX and mailed it the same day. As of today, XXXX/XXXX/XXXX there is no response. 

This letter is in regards to the Mortgage Insurance on my loan. This loan was originally done in XXXX by XXXX Bank. It was sold to M & T Bank within the past year or XXXX. When I originally got the loan, I was told the PMI would go away after 5 years OR after reaching 80 % LTV on the home. 

As of today, the home value has increased enough to be at 80 % LTV and the 5 year mark will be this XXXX XXXX. I did a XXXX Refinance to lower the rate, which I was also told would not affect the timeframe. I was also told if I wanted to get rid of the PMI sooner, I could have an appraisal done proving the equity was there. 

I just got off the phone with a representative today ( XXXX/XXXX/XXXX ) who told me I would not be able to get rid of PMI until XXXX. According to this representative the guidelines are different. She mentioned I have to be at 78 % LTV AND 5 years with the property. According to your system the 5 years started after the XXXX ( I was told it would not make a difference due to the type of loan ) The balance on the mortgage has to be at 78 % LTV from the purchase price, around {$120000.00}. 
In this case, there is enough equity in the home to meet the 78 % and this XXXX will be 5 years. The PMI should go away in XXXX XXXX.
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Starting about a month ago Bank of America started charging my account a long succession of insufficient funds fees of {$35.00} each. They charged me XXXX fees for a total of {$730.00}, the last XXXX on XXXX first. I did n't notice it for about the first two weeks because I knew I had a low balance and I had n't written any checks and I had n't used my debit card. It turns out that my XXXX account was submitting requests for payments of very small amounts between {$3.00} and {$5.00}. They submitted these requests four or more times each for XXXX or XXXX small amounts. By the time I discovered it, Bank of America had already charged more than {$500.00} ( negative ) to my account. By then it was too late for me to do anything about it. Just to compound it they also charged me XXXX or XXXX " extended overdrawn balance '' fees. When I called and spoke with a representative they said that there was no policy limiting the number of fees they could charge an account over a period of time. They did agree to refund XXXX fees ( a total of {$170.00} ) because that was the most they could refund in a given year. 

Bank of America has taken {$530.00} of my money. I receive a social security check by direct deposit on the third of every month. I contacted XXXX about ten days in advance but they said it was too late to change the destination of my check. So Bank of America has taken well over half of my social security check and I have no idea how I 'm going to pay my bills this month. If I had done some kind of damage to them I might be able to understand it but it costs them nothing and they take the fees because they can. I am at my wits ' end. 
XXXX XXXX
Consumer complaint received 2016-11-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I had a credit card Supposedly opened for XXXX XXXX 5 years ago when I was just a XXXX in college on XXXX vacation. I was not aware that it was an actual credit card, the cashier made it seem like just a promotion that the store had going on at that time. I only spent {$25.00} on a pair of shoes that I was originally paying in cash. All of a sudden late payments kept getting piled up, and that 's how I have an unpaid balance of {$160.00}, which I was unaware of, now on my credit report. I never even activated the card!! I was tricked into thinking I was getting a deal on a pair of shoes! The credit card is delinquent and showing up as bad credit and highly affecting my score before I had the chance to discover and build good credit on my own.
Consumer complaint received 2016-08-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (GA)

AMSHER COLLECTION SERVICES INC in the amount of {$100.00} shows as an unpaid debt original creditor showing as XXXX XXXX, XXXX. I have never lived in XXXX. This was disputed years ago with original creditor. My husband at the time lived in XXXX, XXXX with our daughter XXXX XXXX whom he took to the ER. His insurance at the time was blue cross blue shield of XXXX and my insurance was blue cross blue shield of XXXX. Some how his insurance blue cross blue shield of XXXX was selected and used, and instead of having his information with his address in XXXX, XXXX and his name as the responsible party using his insurance my name and address where I lived in XXXX was provided.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MO)

I signed up for a care credit account XX/XX/XXXX. My first payment was due in XXXX. I created an online account as well as paid for the application on my phone. I can never log in to make my payment, I 'm always locked out. I have tried multiple times by myself and with a customer service rep on the line to reset my security questions-which I do. When I go to log back in, it always asks for a security question that I DID NOT PICK. It does this every time even after I have reset the questions. Care Credit customer service line can not figure it out. I am stuck paying the {$8.00} service fee for paying over the phone even their it is their website that has the issue. I am not happy. I have attempted to get this resolved MULTIPLE times and nobody has a clue on what to do. It is now nearing XX/XX/XXXX. I asked the customer service rep to let me know when they have resolved this issue, and they told me that they do n't call back their customers to let them know when a problem has been resolved. I have no way of discontinuing this card because my XXXX payments are monthly.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our loan servicer is Bank of America. My husband and I have requested information pertaining to the name, position and address of an officer of the entity that is the owner or assignee of our mortgage loan. They informed us because of the QWR made under 12 U.S.C. 1692g per RESPA they do not and will not supply us with this information. They did give us some of the Loan History Statement, but omitted the first XXXX pages. Bank of America has moved forward with foreclosure and selling our home on XX/XX/XXXX. We need help in getting Bank of America to give us the information we need to save our home.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ND)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX, XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-07-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed a keep the change rewards savings account that I had for a few years. Seems like they were being discriminatory and retaliating after I filed a Chapter XXXX Bankruptcy. The bank claims to have sent a letter in the mail however, I never received a letter stating the account would be closed if there was n't a {$25.00} minimum balance. Then a branch manager felt it was closed due to inactivity. Although, there 's regular activity because it is a keep the change savings. On Friday, XXXX XXXX, 2016, I deposited a check in the amount of {$800.00} via the ATM and Sunday went to withdrawl the money to pay my house note. The account showed up via the ATM but nothing appeared on the balance. After hours on the phone, I managed to get a claims rep to complete an XXXX, Claims Dept re : ATM Error Claim to locate the deposit and transfer to the primary Checking.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Basically, I have XXXX balance on my card believe I may be the victim of stolen identity. 
I tried twice on or before XXXX/XXXX/16 I called Bank Of America, and had already sent them a check for XXXX they claim it was returned. XXXX XXXX has no record of this transaction. Bank Of America claims that the check was returned by my bank ( XXXX ) However, XXXX XXXX according to XXXX as of XXXX, today has no record of such. No returned check or even an attempt made to pay this rather large and noticeable amount. On XXXX/XXXX/16 I called BOA and gave them a payment of XXXX from my debit card.. The confirmation number given to me is XXXX. Still there is no record of payment. My bank XXXX XXXX XXXX XXXX has informed me that neither of these payments have even been submitted. 
Something is fishy Bank of America has gone so far as to charge fees for XXXX of these payments being returned. Neither payment had been returned according to XXXX XXXX I have an XXXX check missing as well as XXXX debit card payment which is missing I question whether or not I made these credit card purchases and respectfully request full disclosure of all records of this account as it seems I may be in fact a victim of identity theft.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was charged an overdraft fee for XXXX cents really??? That is ridiculous and unnecessary. 
XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon reconciled Reconciled. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING as Cleared XXXX XXXX