davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (MO)

I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.
Consumer complaint received 2016-02-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (PA)

have XXXX leases with ford credit, my daughters car got parking tickets so the XXXX parking authority, sent letters to both myself, and ford. I paid the tickets, and so did ford. 
I sent Ford Credit, my invoices on my credit card showing that they were paid, but they have me owing this money, and have me with XXXX late payments on my lease, which I was not late..
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency XXXX & Experian I contacted the creditor XXXX to get help to resolve this mistake. XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at XXXX and Experian & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX XXXX of the President XXXX. Here is what XXXX was told by XXXX " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to XXXX by phone and fax and to Experian by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both XXXX & Experian despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX and provide contact information for XXXX XXXX at XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

In XX/XX/XXXX I took advantage of two year-long, 0 % promotional APR rates through my Bank of America credit card to help pay for my daughter 's wedding. At the same time I continued to use the card for purchases and had an outstanding balance. The APR on the purchase balance was at 14.24 %. The APR on the promotional purchases was 0 % up through the expiration period on XX/XX/XXXX. 

On XX/XX/XXXX I made payments on my account sufficient to pay off the promotional balances and some of the purchase balance. My assumption was that the promotional balances, even though they were currently at 0 %, would be paid off because they had an underlying rate of 19.99 % that would take effect the next day, on XX/XX/XXXX. 

Because the rate on XX/XX/XXXX was 0 %, the purchase balance - at 14.24 % - was paid off and the rest of the payment went to another O % promotional purchase that was to expire in XX/XX/XXXX. In the meantime, the XXXX promotional balances that had been at 0 % on XX/XX/XXXX went to 19.99 percent on XX/XX/XXXX. The irony of this is if I had known clearly that my payment would go to the purchase balance before the promotional balances, I would have waited a day to make my payment. 

According to the customer service representatives at Bank of America, they followed the law that Congress passed. However, it seems as though the law, while well-intended to make sure that high-interest balances are paid first, had an unintended consequence ; or was it a loop-hole that banks have capitalized upon, literally? 

In fairness to Bank of America, when I called customer service and explained the situation, they acknowledged my intention and have credited nearly {$200.00} in interest charges back to my account, AND reset the interest rate to the purchase rate of 14.24 percent. Although it did take three separate calls to customer service to explain my concern, and finally a referral to a supervisor, who made that adjustment. Even so, they certainly did n't have to do that, and for that, I am grateful and appreciative. 

So this is n't as much a complaint about a bank and a credit card as it is about the legislation and how it is being applied.
Consumer complaint received 2016-02-02
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC (ID)

In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

I was moving out of my apartment complex, The XXXX XXXX XXXX XXXX ( Formally XXXX Apartments ) in XXXX Georgia, and paid all the rent that i thought i owed in XXXX of 2014. I was verbally informed that i paid everything owed and therefore assumed my bill was fully settled. Several months later i got a call from a debt collector, Rent Recovery Solutions, stating that i owed {$720.00} for various reasons. I never received a bill from the XXXX complex nor did they attempt to contact me regarding this bill at any point. After requesting an itemized bill from the debt collector i concluded that i owed a partial months rent which i paid. That brought the balance down to {$440.00} which the apartment complex claimed were damages done to the apartment. I am disputing this for several reasons. 1. There was no move in inspection performed when i took control of the property. 2. There was no move out inspection performed and therefore my signature is not present on the billing document. 3. I know that there was no move out inspection performed for the previous tenant as i am friends with him. 4. One of the items on the bill was marked as damage several months after moving out, this is not allowed by Georgia law. For these reasons there is no way for the apartment complex to accurately say i caused any of these damages. In addition Georgia law states that the complex is required to give me an itemized list of any damages upon move in, this was not provided. Georgia law also states that i must be present during the move-out inspection and sign the document to ensure an accurate list is maintained, i was not informed of any move out inspection and the documents sent to me do not contain a move out inspection, only a bill.Georgia Law also states that a move out inspection must be performed within three business days after moving out. One of the items on the list was added almost three weeks after moving out. 

Rent Recovery has been informed of all of these reasons and also told me that i could not contact XXXX XXXX to resolve this debt and must deal with them directly. After citing several Laws and filling a dispute with the credit agencies XXXX XXXX and XXXX have not removed this debt that they claim i owe.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (MI)

For more than 5 years I carried a balance in excess of {$5000.00} with U.S. Bank on a credit card with a high interest rate. Each month payments were made automatically from my bank account to U.S. Bank. In XXXX 2014, I paid the account in full and discontinued the automatic payments. Months later I received a call from U.S. Bank stating that I was delinquent on my account. Apparently interest had accrued on the account, even though the balance had been satisfied. The customer service person apologized for the error and agreed to have the balance waived. Roughly 30 days later, I received another call ... .again indicating my account was delinquent. I explained the situation and was transferred to a manager, who again told me that the balance would be removed. The account was closed at my request. I reviewed my credit report last week and discovered I have a delinquent charge on my account from U.S. Bank, drastically reducing my credit scores. I would like the delinquency removed from my history and my credit restored.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (GA)

Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable.
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

My bank account at Chase was closed for no reason. When I ask why the account was being closed they said they reviewed and decided to discontinue doing business with me. The account was in good standing with funds in the account and a XXXX direct deposit. I had n't bounced any checks or have any overdraft fees.
Consumer complaint received 2016-01-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Investment Evolution Corporation (PA)

I applied for a personal loan through the online site 'Mr Amazing Loans ', and as part of the prequalification phase, the site attempted to get me to enter the Username and Password for my checking account at XXXX XXXX . I already provided my bank 's routing number and account number on the previous page. I have never been asked by any financial services site to enter my Username and Password for an account at another non-affiliated institution. I 'm certain there must be some regulations prohibiting this type of conduct. I would kindy ask the experts at the CFPB to look into this matter. This type of personal information should never be requested by any online site. Thanks
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated (MO)

They call daily starting early in the morning. They have called up to four times per day from multiple numbers. When I call back they will not say who they are. When I search the number online it comes back as Consumer Adjustment Incorporated. XXXX of the numbers used are XXXX and XXXX.
Consumer complaint received 2015-07-02
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

I filed for Chapter XXXX in XXXX. My XXXX mortgage with Well Fargo ( WF ) was charged off $ $ XXXXXXXX.They indicate that we should call them. In XXXX XXXX, XXXX I was offered XXXX settlement plans.by XXXX and XXXX:1- {$40000.00} immediate payment2- {$47000.00} XXXX months3- {$54000.00} 60 months, payments $ XXXXXXXXThese payments were arranged by automatic withdrawal. WF indicated we would have to reset up payment every XXXX months. I requested numerous times for a written document of the settlement. WF indicated it was in my account file, not to worry. 
We pain until XXXX XXXX when XXXX indicated they could not authorize automatic withdrawals. 
I finally spoke to XXXX today XXXX XXXX, XXXX and she gave me XXXX different answers:1- no settlement on file2- Settlement is void, due to missed paymentsI have been trying to pay WF and they have declined setting up automatic withdrawals.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: National Commercial Services, Inc (NY)

National Commercial Services has been harassing me with phone calls and letters claiming they represent XXXX XXXX XXXX XXXX XXXX, and that I have an outstanding balance of {$2000.00} as of XXXX XXXX, 2015. They claim this money is due to an auto accident that happened on XXXX/XXXX/15. I have explained to them that they should contact the insurance company because it was a company vehicle. They insist that they have the right to continue with their tactics, and hang up the phone when I say they are harassing me.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I initiated a refinace of my home in mid XXXX, I was given a virbal quote of {$2800.00}. When I got the Good Faith Estimate it had a figure of {$7400.00}, which I questioned. I said if it was that expensive I was n't interested in the process. They explaine that it was a high estimate and it would be less when the current loans escro was returned. The process went through but not with out issues. The XXXX question I kept posing to the loan officer was what would happen to the escro on the old loan. They kept telling me it would be returned once the old mortgage was payed off. Well, all is complete but I found out yesterday XXXX/XXXX/15 that the escro was not going to be returned to me. The escro, along with my last mortgage payment on this loan was used to pay off the fees and the costs of paying off the old loan. Out of {$2900.00}, I was only getting back {$670.00}. I was never told about this, never saw it in the Good Faith Estimate, or the Hud Statement or never had this told to me and never recieved any written information with a detailed break down of these charges. At this point I still am unsure how this happened. I have called the bank, the XXXX XXXX people I talked to were very XXXX with me and acted like the bank did n't need to tell me any thing. The XXXX person listened to my complaint, told me she would call me back the next day but I have heard from her. The final cost to refinace my house is at {$8500.00}. One hundred dollars above the original Good Faith Estimate. They do n't seem to want to talk to me. XXXX final though, the bank told me that both the bank and the title company requested clearance to use the escro of the first loan to pay off fees and expensis for that loan. So they also could have mentioned something but did n't even though I questioned them at the closing.
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AL)

in addition to these XXXX complaints I`ve already sent you : 1. # XXXX ; # 2. # XXXX i went into a branch wells fargo branch in XXXX, al the teller`s name was XXXX, she dined me access to her card. she told me that i could not withdraw my remaining balance @ wells fargo in the amount of {$430.00}. this bank is illegally holding my money/funds from me, when i have had no access to swipe thier bank card for over 5 days now! they are illegally holding my funds from me! they also told me they were going to close my bank account & keep my money! thieves!
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

There is an account on my Experian report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with XXXX and the response I got was this account was 'VERIFIED '. Experian did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that Experian used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX XXXX, XXXX, XXXX, and XXXX are all accounts that do not belong to me. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through Experian. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

XXXX is reporting erroneous on my credit reportsequifax and XXXX. XXXX states that I have a account and pass due8 months. the service address is XXXX XXXX XXXX XXXX XXXX, ny XXXXthis is not my account, i have never lived thereand I want it removedi have lived at XXXX XXXX XXXX, ny XXXX for the past 20 years ...
Consumer complaint received 2015-07-03
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a call from an unknown number stating that I had been attempted to be serviced a legal suit. They gave me a number and told me to call them and have them update my information. They claimed to be from XXXX County. I called the company. I spoke with XXXX he said he represented HSBC and his office would be taking legal action against me if I could not pay XXXX and change that day. He said that if I could pay half his firm would front the other half because the client expected ASAP. When I said I want to consult my lawyer he became enraged and threatened immediate action against me. The next person I spoke with XXXX XXXX said he would take a lessor amount and that HSBC agreed to it. When I called HSBC they have no further records of the debt nor did XXXX XXXX. XXXX continued to give mistruths and when I asked for proof of the debt ownership he sent me a contract with stale dated information and increased the debt to XXXX and wanted me to agree. I am very concerns this company is a scam and not the true holder due to all of the lies given within the conversation. They sent me routing information to make a direct deposit into their account.They claim to be XXXX with XXXX XXXX as the Director of Litigation. Please help me get to the bottom of this.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a credit freeze on my credit report. I want to be able to lift the freeze via the internet. I am not able to lift this freeze without calling and wasting 30 minutes on the phone. They have incorrect data for previous addresses and will not correct this. When I call they give me the run around. I want to lift and set my security freeze based on the pin number issued by Transunion over the internet. I do not want to have to call in and announce my soc sec number and pin over the phone for everyone to hear.
Consumer complaint received 2015-06-04
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from XXXX in XXXX, WI and they sold a false claim to them in the amount owed by me.