davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had a cash reward credit card with Bank of America as well as Checking Account. Since XX/XX/XXXX, we start to experience issue with the credit card, we kept seeing interest charged to the account even we paid off the full balance every month. We contacted the customer service and the interest were waived, but then the following month it continues to charge with interest. Called the custom service again, this time the explanation was the interest is continues to charge every day even your balance is paid in full every month regardless if you have a balance. This is NOT disclosed in the term and condition, as off now we have had been charged closed to more then {$500.00} in interests even the account has been paid in full. Another issue with BoA is that we originally set up an automatic payment that linked our checking account to this credit card account through their online system, but the account was never set up even we got an successful completion at the end of the process then we called their customer service, the representative claimed that they were having issue with the IVR system that could be the reason that it did n't successfully set up. She went ahead and set up the linkage but as off today it was never set up correctly.
Consumer complaint received 2021-02-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Exeter Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Exeter Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KS)

This is for the property in the Estate of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX KS XXXX. This estate is in probate and this has been approved by the court for me to purchase the property. I have Secured Title of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX Phone XXXX ) to manage this process. We had a mortgage pay off letter from XX/XX/XXXX, but the Title company obtained with my permission a new on XXXX XXXX XXXX. I have attached both of these items. We sent payment in full for the amount on the XXXX XXXX letter from Ocwen. Then On XXXX XXXX, XXXX, Ocwen contacted the title company stating they had not received the full payment but refused to send the documentation to the title company. The title company told Ocwen to contact me. I received 2 phone calls with nearly unintelligible messages and not form a number showing up in caller ID as Ocwen ( XXXX ). When I was able to determine that the word 'Ocwen XXXX was uttered in the second message I called the title company. The title company explained what they knew. I then called Ocwen and inquired. Ocwen stated that Ocwen had an accounting error and that the following things had been incorrect on the payoff letter 1 ) the interest was to high 2 ) there was a missing title search fee 3 ) that there was a missing foreclosure fee. I explained that we had paid the full amount of the XXXX XXXX pay off letter, which they have not applied to the mortgage. I also explained that I had never requested a title search and I would not pay for it. ( side note : if they provide a clear title search it is 100 % fake the title company can explain ) I also explained that it was not in foreclosure and could not go into foreclosure since it was an estate in probate. I was clear that I would be perusing legal means to clear this fraud on their part up. When they sent my new payoff letter over it also included a late fee for their mistakes.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX XXXX is the company that is reporting to XXXX and they were able to remove it to XXXX and Equifax. And for XXXXT is the company is the company that is reporting to XXXX and they were able to remove it to XXXX and Equifax. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek XXXX  and charge {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error ... XXXX   XXXX  ( reported duplicate on my credit report ), XXXX XXXX ( reported duplicate on my credit report ), XXXX   XXXX  ( reported multiple times on my credit report )XXXX XXXX XXXX ( reported multiple times on my credit report ), XXXX   XXXX ( reported duplicate on my credit report ) XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (GA)

I have never received any letter from Medical Data Systems Inc stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Medical Data Systems Inc. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly preventing me having a fair credit.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NM)

I just received and activated a Barclaycard Arrival Plus credit card. I was drawn to the card because of their offer of XXXX Bonus Miles if I spend {$3000.00} within 90 days. You can see this offer on their website : barclaycardus.com. Now I find out that there is no Bonus Mile offer at all. In fact, the card does not offer miles, period. I discussed this with their Relationship Manager, XXXX, on XXXX XXXX.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Apothaker & Associates, PC (NJ)

On XXXX XXXX, I discovered that my savings account was levied due to a judgment against my husband. 
The collection agency, Apothaker and Associates, has withdrawn funds from my husband 's account several times. The last withdrawal was XXXX XXXX in the amount of {$1600.00}. 
I contacted the agency to alert them of my complaint and they stated that a cease and desist was ordered on the account so they could not discuss any information.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Collection Accounts identified as ( XXXX XXXX ) on my Transunion Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked TransUnion to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the XXXX Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, TransUnion needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I have a " XXXX XXXX XXXX '' through Synchrony. Recently I was checking my statements and noticed that they have been charging me a {$38.00} late fee nearly every single month for the last couple of years. 

I always make my payments to them online, and normally well over the minimum ammount ( sometimes 3 to 4 times the minimum ammount ). I pay twice a month to split evenly between paychecks. 

Synchrony Bank is using deliberate and deceptive business practices to scam their customers out of more money. I am one such example, where I often pay more than once a month, well exceeding my minimum payment. They use loopholes like moving closing dates between payments to make it appear as though payments are late. I called customer service and was told that they have a hidden date that they prepare the statements, and this date changes month-to-month. Depending on how your multiple payments fall around this hidden date, they may only apply one of your month 's payments towards the balance, and then hit you with a late charge. 

Here is a recent example from XXXX 2018. On XX/XX/2018 I made a {$250.00} early payment. Then, on XX/XX/2018 I made another {$150.00} payment. When I read my statement for XXXX, I get hit with a {$38.00} late payment fee. Upon investigating, they have been doing this every single month to me. I am a good customer that makes well over the minimum payment, and even sends in multiple payments per month, and it's an absolute shame that a company will pull such dirty tricks to rob their customers of money. They have robbed me of nearly {$1000.00} this way already!
Consumer complaint received 2016-09-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION (VA)

OK, these people sent me an email teling me that I was approved for up to {$10000.00}! So I needed some cash to pay XXXX of my bills, but they said that they started from {$2000.00}! Anyway, I think some kind of way that they set me up cause they called them Check ' N to Cash! They were very suspious cause they told me to go to XXXX and get a XXXX to send the {$490.00} that they had put in my account! But they would'nt do it cause they said it was fraud cause I did'nt know who they were, and they did'nt let me get it! So, they told me to get a I tunes gift card and send them the money back on that! Anyway, I did that cause they said that they would deposit the rest of the money! So I did'nt know that they had already deposited some more money in my account! But something happened and my bank put a hold on my account and they said that it was fraud! So they closed my account because of that mobile check for {$920.00} that they had deposited in my account! And then I found out that they tried to come back and get the first {$490.00} that they had deposited in my bank while my account was closed! So thats why Im filing a complaint cause they committed fraud some kind of way because of them closing out my bank account behind this and they said that it was fraud!! Thank you very much, XXXX XXXX
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This is the letter I wrote to SLS ( Specialized Loan Servicing ). I have called and spoke with various people for hours, had difficulty understanding the increase in my mortgage, was not provided with a clear explanation. They do not allow for call backs to me during work so I have to hold. They finally told me it would take them 6 weeks to get an explanation to me for why my monthly due has increased all of a sudden by {$200.00} ( almost exactly ) a month. 
See below -- -- -- -- -- -- -- -- -- Dear whomever it may concern at SLS, I have contacted XXXX representatives in Customer Care this week by phone ( week ending XXXX/XXXX/2016 ). There has been an increase in my monthly statement balance beginning XXXX/XXXX/2016 of {$200.00}. I was originally paying {$720.00} and the XXXX/XXXX/2016 statement showed a " Total Amount Due '' of {$920.00}. 

After not receiving a clear explanation from Customer Care, I spoke with XXXX in the Executive Services Department. She advised that this was due to an increase in the Amount Due for Escrow ( for Taxes and Insurance ). Before XXXX/XXXX/2016, the Escrow Amount Due was {$71.00} and for the XXXX/XXXX/2016 statement, the Escrow Amount Due was {$270.00}, a {$200.00} increase per month. 

I want to know what is the reason behind such a high increase per month. Is it an increase in property value, property taxes, insurance, and if any of the above, why? I believe I have a right to an explanation and a right to see the breakdown information supporting this {$200.00} increase per month. 

** Please advise immediately. 

** I have a right to a clear explanation and do not wish to be charged this amount for the XXXX XXXX, 2016 statement, unless I receive a comprehensive explanation. 

Other relevant information : my loan servicer changed and my loan was transferred to Specialized Loan Servicing ( SLS ) from XXXX XXXX XXXX ( XXXX ) in XXXX 2016. My Escrow Amount Due for XXXX/XXXX/2016 was {$190.00} when my loan was first transferred, my Escrow Amount due for XXXX/XXXX/2016 ( the next month ) was {$71.00}, and my Escrow Amount due for XXXX/XXXX/2016 was {$270.00}. 

Thank you.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

EQUIFAX fails to remove the XXXX account. EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Issue Credit Reporting company 's investigation : Problem with statement of dispute Initially I sent the bureaus letters about inquiries, about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries. 
XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MT)

Our mortgages was sold by XXXX Mortgage to Carrington Mortgage effective XXXX XXXX, 2016. We were in the process of going through a refinance with a third lender and had to wait until our account was active in Carrington 's system before we could order a payoff. On XXXX XXXX, 2016, I called in, spoke to a rep named XXXX, and ordered an expedited payoff statement, checked the balance of the escrow and requested my automatic payment plan be cancelled since we would be paying off the loan before XXXX XXXX payment was due. I was told the automatic payment plan was not showing up on the system and to call back after XXXX XXXX. I tried to call back on XXXX XXXX, but Carrington was closed. I called on XXXX XXXX, spoke to XXXX and repeated my request to have my payment plan cancelled. After being transferred to another rep, XXXX, he told me I was not on any automatic payment plan, therefore no payment could be drafted on XXXX XXXX. I would have to submit a packet in order to get on an automatic payment plan. Our loan with Carrington paid off in full on XXXX XXXX, 2016. On XXXX XXXX, Carrington autodrafted a payment from my bank account, causing me to become overdrawn and charged an NSF fee. We called into Carrington on XXXX to complain and was told they could n't even see the payment posted to the account and I would need to fax in proof of payment and the NSF fee before they could do anything. I faxed in the requested information. On XXXX XXXX, I received a call stating I would need to sign the letter I had faxed in before they could start anything. I signed the letter and refaxed. On XXXX XXXX, I called in to check on the status of my request. According to XXXX, my request has been closed, but no check had been sent out. Each time I call in, I start over and each time I am told that a refund request takes 14 days to process before a check will be issued and mailed out to us. At this rate, it will be XXXX before I see the money Carrington Mortgage stole from us, if at all. Yes, STOLE. I never gave Carrington Mortgage authorization to autodraft a payment. I called TWICE and revoked the authorization Carrington inherited from XXXX. They stole my money and are making me jump through hoops in order to get it back. What 's to stop them from taking a payment on XXXX XXXX? I ca n't take them at their word. The real kicker? We received a letter from Carrington dated XXXX XXXX, 2016 thanking us for ENROLLING in their automatic payment plan to begin on XXXX XXXX, 2016. The letter was postmarked XXXX XXXX. This is the shadiest mortgage company I have ever dealt with.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( Equifax , XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Equifax credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Equifax Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX, Equifax has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.