davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/2012, when mobile deposit was taking off, I was a customer of Bank of America with XXXX checking accounts and XXXX savings. I was using the mobile deposit service and followed all instructions of taking the picture of my check and had a few incidents where the check never deposited. I went into the branch on XXXX NC and was told by a Personal Banker that if the check did not deposit via mobile, just put it into the ATM. I performed this action a few time subsequently. In XX/XX/2012, I awoke to find all my accounts were closed and they stated I committed fraud. When I informed them that I was following information that their banker provided, they stated it was not their issue and my accounts were gone. Since 2012, but they have refused to assist.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX Identifying transactions on periodic statements.States The creditor shall identify credit transactions on or with the first periodic statement that reflects the transaction by furnishing the following information, as applicable : The creditor must disclose the amount and date of the transaction, and either : A brief identification of the property or services purchased, for creditors and sellers that are the same or related ; or The seller 's name ; and the city and state or foreign country where the transaction took place. The creditor may omit the address or provide any suitable designation that helps the consumer to identify the transaction when the transaction took place at a location that is not fixed ; took place in the consumer 's home ; or was a mail, Internet, or telephone order USAA in violation of regulation Z billing dispute allowed timeframe reversed it 's decision on credit card fraud billing disputes after a year of it being finalized. A serious issue is that I only noticed it when I saw " Transfer Adjustments '' on my account via USAA.com. Shortly there after USAA restricted my ability to use USAA.com and despite my many verbal and written requests has failed to comply with the above mentioned regulation. I have yet to receive a statement which indicated when these charges were reversed and placed back on my account. The only statement I received was one with no mention of the " transfer adjustments '' or any kind of reversal of the billing dispute finalized over a year ago. As it is, USAA states I have this balance, yet I have no clue what charges are on the card that contributed to the balance. It has been over 2 months now and I still have not received any of the requested documentation, identifiable statements or documentation used in the decision to reverse the billing dispute from over a year ago.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

I have a satisfied judgement showing on my report from Equifax. It was included in a bankruptcy filing and has been satisfied. XXXX and XXXX have already removed the judgement from my credit reports but Equifax continues to report it. I respectfully request it be removed from my Equifax report as it has been satisfied due to being included in bankruptcy.
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Universal Credit Services, Inc (MI)

I tried, as directed on the FTC site, to send them a letter asking them to stop contacting me ... Sent it by certified mail as directed ... but they refused delivery..last person I contacted on the phone about this " debt '' told me they had no record of it ....
Consumer complaint received 2017-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I have an account with One Main Financial. They are reporting interest that have not accrued yet on the loan monthly to all three Credit Bureaus. On my credit reports its stating I owe One Main Financial {$11000.00}. I only owe a balance of {$7400.00}. In the month ofXX/XX/XXXX, I disputed the amount they said I owe via certified mail to XXXX with my supporting documentation print out from One Main. XXXX received the information onXX/XX/XXXX. Weeks later, the correct balance was updated to the amount then that I owed which was {$7500.00}. Now this month One Main has updated it with a balance of {$11000.00} which is inaccurate. This month of XX/XX/XXXX I sent in via certified mail to XXXX along with my supporting documentation of how much I owe they received this information on XX/XX/XXXX, I called XXXX on today XX/XX/XXXX to see if my balance has been updated to the correct amount. The representative informed me it did, I then proceed to ask her what balance it was stating, she said, " it 's an update of {$11000.00} ''. I made her aware that the balance is still incorrect and informed her I even sent in supporting documentation that came from One Main saying how much I actually owe.This is an ongoing situation where they updated the correct balance when I first sent in the dispute to XXXX, now they are back to reporting an inaccurate balance to all three Credit Bureaus that I do n't currently owe.
Consumer complaint received 2016-11-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: American First Finance, Inc. (CA)

I obtained a loan to purchase household item. The company is named American First Finance. For the first payment I was supposed to pay it on XXXX/XXXX/2016 but I did not have the funds so I got into a chat session with someone in the company and they were supposed to change my due date. On XXXX/XXXX/2016 at XXXX I received a text message from my bank stating I was {$300.00} in the red. I contacted the company and they said that they would arrange the due date to show the XXXX of every month. They told me that they would not provide me a refund for the {$150.00} that my bank charged me for all the insufficient funds charges but they would adjust my account accordingly. In XXXX they again took the whole payment without reflecting the credit they were supposed to apply to my account. My bank provided me that credit and only paid the company balance between {$210.00} and {$150.00}. To this date they are still charging me the whole payment for the month of XXXX. I let them know that I will not pay another nickle until they fix my account.
Consumer complaint received 2016-11-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IA)

I was forced out of my job last XX/XX/XXXX. I applied for financial help after I found out my husband decided not to make the house payments. We were separated at the time. I had no income and was unemployed. I was approved up through XX/XX/XXXX. I reapplied in order to get an arrangement as I am now employed and want to keep my house. My husbamd and I have reconciled and now have more income to add in. While working with Wells Fargo on applying for additional payments, I received a letter stating i needed to pay over {$11000.00} by XXXX or I would go into foreclosure. If I am working with them on trying to make arrangements, I thought they were not supposed to be sending out letters like this. Also, I was trying to communicate with the employee who was supposed to be working with me on this. I called him on several occasions and left messages for him yet he never called me back to discuss any of my options. I am trying to do everything I can to pay them to keep my house but they wo n't work with me in any way and wo n't accept my money. I am at a loss on what to do, Wells Fargo wo n't even try to give me a chance now when all I want is to work with them.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I currently have XXXX credit cards with CapitalOne. All XXXX cards have a very high interest rate. In the last 12 months I came upon very difficult financial hardship due to extreme health concerns. I have been out of work and only able to keep up with my minimum monthly payments on these XXXX cards. On each card my balance has grown due to my inability to make more than the minimum payment. Now that I am getting better I called CapitalOne to try to get some debt forgiveness on the accrued interest charges. They refused, only offering {$50.00} on each account, for a total of {$250.00}. I have roughly {$8000.00} in accrued interest. I explained I do not want 'discounted ' monthly payments, as I have never missed a payment and will be able to begin making higher monthly payments towards my balance when the new year starts, because I will be back to work. They did not care, and have no interest in relieving any of the accrued debt. They also would not lower my interest on any of the cards. I have several other credit cards from other banks and they were much more cooperative with interest forgiveness as well as lowering my interest rate. I am extremely disappointed with their lending practices, and for the {$33000.00} balance, some of which is healthcare costs, can not believe I owe {$8000.00} in interest in 18 months, after 0 % introductory periods.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom It May Concern : I 'd like to register this complaint regarding my past XXXX and initial phone calls to Bank of America Credit Card services. I recently opened a line of credit with them and have been wanting to do a balance transfer. XXXX call was made 2 weeks ago, XXXX calls have been placed this week, XXXX two days ago during evening and XXXX a few minutes ago, a Friday afternoon. I was told by an automated system message that the waiting time was between XXXX to over 2 hours. Last time I was told the same and offered a callback. This lack of service must be in violation of the company/corporations minimal service threshold. As a XXXX who helped push for the creation of the CFPB, I seek your help in having this issue addressed or filed.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was interested in a car insurance service but was surprised when their quote said I was getting a higher rate because my credit score from Transunion was XXXX. I generally have a very high credit score. I clicked over to Transunion 's website to check my credit score and discovered it was actually XXXX. As part of this process I was taken through a very non-transparent process wherein they made me a " member '' with a {$9.00} monthly fee despite no mention in the sign-up process that there would be a charge ( I discovered later that in the fine print of the terms and conditions I checked there was a stipulation that I would become a member and be charged a fee, but the actual fee was not detailed and never was it shown on the actual web portal, only buried in 12 pages of terms and conditions ). I then had to cancel and get refund from them. 

It was exactly the sort of behavior that is described in these articles that I discovered later : XXXX XXXX-XXXXXXXX, XXXX I think 1 ) they are selling a different score on their website than the one they are providing to the insurance company and 2 ) they are fraudulently getting people to sign up for memberships when all they want is their free credit report and in the process charging {$9.00} monthly for a service no one wants. It is shocking that it is continuing to go on especially since they so recently settled over the same issues. 

Please look into this further and protect consumers. I called them and insisted on a refund but many consumers would be less shrewd and more vulnerable.
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (HI)

I rec. a phone call from a assest recovery associates ARA 2days ago. I was at work and trying to hear what ara was saying. they stated i owe about XXXX dollars for a dept. to XXXX XX/XX/XXXX thru XX/XX/XXXX. I could not recalling any money owed to this company 20 years ago. I was threatended with being served by the sheriff, court proceedings, garnishments, leins, fees etc. ARA also had my SS and personal information. I told them i did not recall this dept and if i had this dept i would of taken care of it 18 years ago. It was extremely frustrating converstation i was put on hold transfered to different people with different titles. At first i was terrified and told them i didnt have that kind of money. they said they could settle for less around XXXX. Which i still couldnt pay i said i need to talk to my bank. well the figured changed to about XXXX now. They said if i could pay anything now I had XXXX dollars on my debit card i gave them my card number and they took the funds. they said i have to XX/XX/XXXX or court proceedings will start. I told them again i never rec. any letter from them to date i gave to date. the stated they sent to my p.o. box of course they had all my information. Till this day i have not got a legal letter from them. I should not of payed anything. Something is not right. So I came home from work got on the computer and researched everything. I contacted the company XXXX they contacted me back and said it would not be possible to owe them anything from XX/XX/XXXX and is not affiliated with any company like ARA. STatue of limitations is 6-7 years in my state for dept owed. I have contacted my bank and none of this is every showed up on my credit report.. ARA is terrifing company. there practices are crazy and have to be illegal. I live paycheck to paycheck i cant afford a lawyer either.. What to do. Help me stop this company from doing this to other folks. They way ARA uses terms statements can be very overwhelming especial if you are not a legal advisor. Just a average person trying to get by.
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I recently set up payment plans with a collection agency in XX/XX/XXXX I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the XXXX payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. Midland Credit Management , Inc. are scammers in my eyes!!
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Account XXXX/XXXX Account # XXXX was closed on XX/XX/XXXX because of non payment from prior marriage. The company claims last payment to be XX/XX/XXXX which I believe is date sold to collection company not my last payment date. My last paid date was prior to XX/XX/XXXX and should not be on credit report because statute of limitations. I have disputed this with all XXXX bureaus and Transunion is the last to not remove this derogatory. I would like the proof from XXXX/XXXX as to there claim of a XX/XX/XXXX payment which I assure is incorrect and not a generic response from Transunion. This derogatory is hurting my ability to acquire home loan. The statute of limitations has run out and should be deleted. please investigate the issue. 

thanks XXXX
Consumer complaint received 2016-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ballybunion Enterprises, Inc (CA)

I have had MCS ( Military Credit Services ) call me several times saying they are trying to collect a debt from me that is well over two thousand dollars. I told them it was n't mine and to send me a copy of the account and whatever else that proves it 's mine. They said I should receive this courtesy letter since they already sent out XXXX. 
They asked me for my mailing address and I told them that if they were speaking to me then they had my address. 

I never did receive that copy of my account with them. Yet, they called me again a few months backs. 

When she told me who she was, I informed her until I get a copy of the account, letters sent out to me and whatever else like I asked the last time they called to stop calling me because I did n't open up an account with them nor purchased an item that I had to finance. 

I hung up then blocked the number. 

Now I have checked my credit report and I have a hard hit from them. I check my reports about every six months. 

Its bad enough dealing with XXXX. I 'm XXXX. I 've been working on my credit myself but when this happens its depressing and frustrating because if I ever need t finance I ca n't. 

IM REALLY UPSET.
Consumer complaint received 2017-07-16
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: EQUIFAX, INC. (OH)

Hello I have a Fraud alert on my credit report and it was pulled by   XXXX   XXXX  . I NEVER authorized   XXXX   XXXX   to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY (IL)

I started having problems at my commodities job XX/XX/XXXX! I started seeing Drs and was diagnosed with anxiety disorders and Atrial fibrillation XX/XX/XXXX. I had to quit my job on XXXX the S.S declared me total disable on XX/XX/XXXX! then I had XXXX on XX/XX/XXXX! i was trying to make payment with with American Express at that time but the told me that i had all ready maid an agreement and that they only do agreements for 6 months one time a year! I owed them around {$13000.00} I told them my situation and that I had no income so XX/XX/XXXX I started getting calls from them offering to settle for {$5800.00} the person was from another country promising that he was representing XXXX. but it turned out to be collection company to of XXXX XXXX they had all my account information he would call me about once week and offer to settle for a different amount each time! I Called A.E. each time and told them that I just wanted to be put back on a payment plane but was denied each time the representative said that it had n't ben turned over to a collection agency! on XX/XX/XXXX I got my first phone call from XXXX XXXX XXXX, XXXX. they sued me on behave of American Express they offered XXXX different payment plains witch I could n't afford so we went to aberration I had no lawyer! we agreed for me to pay {$6600.00} at {$110.00} per month in court which I have done on time with my S.S. XXXX money! 
my biggest concern is that they continue to report late payments on my credit report every month, I have not been late or missed a payment since we made the agreement they auto draft it from my bank account every month! 
I do n't think that it is fair for them to continue to hurt my credit when I am doing everything in my power! My accountant told me to file bankruptcy XX/XX/XXXX! I got caught in the Housing scam I had XXXX houses XXXX were for investment purpose, I lost them all plus the house that I and my family live in is in foreclosure! in total I lost close to {$15000.00} and that not counting my house in foreclosure no wonder that I have hade all the health issues! 
my fido score was once above XXXX so I am not a deadbeat I just do n't think it fair for them continue to hurt my credit!!!! 
Thanks
Consumer complaint received 2016-09-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I was told that I would be charged a one time fee. The fee is {$230.00}, and they 've broken it down as follows after logging into their website : 2Sign Loan Agreement CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : XXXX XXXX XXXX, XXXX, d/b/a Rushmore Financial ( referred hereinafter as " Rushmore '' ) Mailing Address : XXXX. XXXX XXXX XXXX, SD XXXX Telephone : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX XXXXXXXXXXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Borrower 's Bank : XXXX XXXX XXXX XXXX XXXX Account : XXXX Loan Number : XXXX In this Consumer Loan and Arbitration Agreement ( the " Agreement '' ), " you '' and " your '' refer to the Borrower identified above. " We, '' " our, '' " us '' and " Lender '' refer to Rushmore, an arm of the XXXX XXXX XXXX of South Dakota, a federally recognized XXXX tribe. " Loan '' means this consumer installment loan. 

-TRUTH IN LENDING DISCLOSURES : The disclosures below are provided to you so that you may compare the cost of this loan to other loan products you might obtain in the United States XXXX Our inclusion of these disclosures does not mean that we or any subsequent holder of the Agreement consent to application of state or federal to us, the Loan or this Agreement. The table below details the maximum payments and costs to the extent periodic payments are made for the full cycle of the loan which can be reduced upon early payment of the Loan. 
TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
669.1667 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$3200.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$700.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Your payment schedule will be : Date Amount XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$260.00} XXXX/XXXX/XXXX {$250.00} XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$210.00} XXXX/XXXX/XXXX {$200.00} XXXX/XXXX/XXXX {$190.00} XXXX/XXXX/XXXX {$180.00} XXXX/XXXX/XXXX {$170.00} XXXX/XXXX/XXXX {$160.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$130.00} XXXX/XXXX/XXXX {$120.00} XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX {$92.00} XXXX/XXXX/XXXX {$81.00} XXXX/XXXX/XXXX {$69.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$46.00} They only posted this information after my loan was issued.