davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc. (NJ)

Simons Agency has been contacting me everyday - sometimes 3 times a day - for the past year from several telephone numbers beginning with the area codes of ( XXXX ) and ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Leaving several voicemail and automated messages within the past month. A letter was sent months ago to contact them regarding a medical bill from 2010 that was passed NJ Statute of Limitations of 4 years. ( Sale of goods under the UCC : 4-years, ( N.J.S.A. 12A ; 2-725 ) ).
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Bank of America and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Bank of America initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded.
Consumer complaint received 2015-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

HARD INQUIRIES : I 've been through this before with these XXXX. This has to do with recent complaints against XXXX XXXX XXXX. In closing out my line of credit ( my choice ) and in lowering my line of credit limit without telling me just 1 business day before I CLOSED ALL XXXX XXXX ACCOUNTS, I have been through this multiple times with XXXX XXXX. Two years ago they HIT HARD INQUIRIES ON MY CREDIT REPORT 5X for just a small line of credit. I complained to the CEO. Off course that took me to the CEO 'S TEAM in Arizona WHO ALSO HIT MY CREDIT REPORT HARD INQUIRIES. I have NOT applied or requsted anything from XXXX XXXX. I am ONLY GUILTY OF VOILA! ... wanting to pay off my bill with them and close account due to their poor business practices. Since I have CLOSED MY ACCOUNT WITH THEM MISQUOTING MY FINAL BALANCE DUE, WHICH WAS WRONG, NOW THEY OWE ME MONEY, I AM TOLD XXXX XXXX HAS HIT MY CREDIT REPORT 2 HARD INQUIRIES. I applied for nothing. HAVE THEY HEARD OF SOFT INQUIRIES? Apparently not! I WANT THESE INQUIRIES REMOVED IMMEDIATELY FROM ALL CREDIT REPORTS. Credit reporting agencies DO NOT GIVE CNSUMERS THE RIGHT TO DISPUTE THESE. THIS WAS DONE FOR MEANNESS AND MORE ANGST. THEY HAVE SOMEONE HERE THAT DOES NOT SING THEM PRAISES, BUT WILL TAKE STEPS TO PUT THEM OUT OF BUSINESS AS FAST AS I CAN. 2 TIMES AND MY CREDIT REPORT GOES DOWN XXXX POINTS. TAKE THEM OFF XXXX XXXX. I WILL REPORT YOU TO THE BBB FOR IMPROPER BANKING PRACTICES,, THE FDIC FOR IMPROPER BANKING, AND I HAVE REPORTED YOU HERE. I WANT MY MONEY YOU HAVE BACK IMMEIATELY IN OVERNIGHT MAIL AS I WAS IN AND PAID CASH. THAT IS NOT GROUNDS FOR A HARD INQUIRY AND YOU DID NOT HAVE MY PERMISSION. In tthe past, I dealt with XXXX XXXX of XXXX XXXX Exec Branch in Arizona. They even hit all HARD INQUIRIES. I WANT ALL REMOVED AND I WANT THEM REMOVE NOW. I WILL THEN REPORT EACH INDIVIDUAL CREDIT BUREAU FOR PUTTING THEM ON. I never requested another thing from XXXX XXXX and want nothing but the money they overcharged me on XX/XX/XXXX to close my account and each day they keep it, I want interest that they charge me daily added to it. RETURN MY MONEY. REMOVE HARD INQUIRIES OFF MY CREDIT REPORT. YOU ARE NASTY NASTY PEOPLE. THE PEOPLE ARE ON TO YOU!!!!
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

My husband expired suddenly in an auto accident on XXXX/XXXX/2013. His XXXX check paid our mortgage each month. I have been struggling to make make payments on my income alone. I bring home about XXXX a month and my mortgage is XXXXXXXXand is mostly interest. I was told I qualified for a loan modification by Ocwen loan Servicing which is my mortgage co. They then said I was denied by my mortgage co. Ihave asked XXXX times for the mortgage co. and have contacted them and each time the name and contact info was wrong. In fact this last company told me to contact you and they were very familiar with Ocwen doing this. In fact Ocwen does not actually have a physical address just po boxes. All calls go to XXXX and no one who answers the phone knows what is going on.
Consumer complaint received 2015-11-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I had an homeowner 's insurance claim around XXXX/XXXX/2013. The insurance company paid out on the claim totaling approximately {$25000.00}. A check was made out to myself and Plaza Home Mortgage. The servicer is claiming they have a right to keep half of this amount in a so-called restricted escrow account. PHM is stating I must complete repairs and have the affected area inspected by one of their representatives, however I can not rebuild the damage deck as I would have to come up with roughly {$5000.00} in the gap between the pay-out and the actual cost to rebuild : about {$30000.00}. The deck in question is n't attached to the home and was originally deemed with no value by the appraisal done at the time of the purchase of the home. I have offered to allow them to dictate where else these funds could be spent on some critical deferred maintenance areas e.g. window, energy upgrades and they have flatly refised to budge. So, funds sit with this company while the home/investor 's collateral deteriorates.
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

On XXXX/XXXX/XXXX my son went to XXXX and traded in his XXXX XXXX XXXX, and was financed a XXXX XXXX XXXX, they over charged him and his interest rate was 25 %. I thought that was way too high and illegal. His car note is {$430.00} monthly. He ca n't get out of this car because everyone is telling him he is upside down, now this is why I am contacting you because of the issues we are having with this car, and we also tried to refinance, but our credit union will not do it. I feel that XXXX seen my son as a young XXXX year old coming in there and they went to work on him, they gave him a high interest rate, and now he is stuck with high monthly payments for the next 72 months. Please help my son with whatever can be done. I do n't feel good about this at all, I really think XXXX just was looking for a commission and not helping him at all, nor was they at all in his best interest. He is a first time buyer ( being finance ) his credit is good.
Consumer complaint received 2016-02-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WY)

I have been fighting in court now for 8 months over major and clearly illegal discrepencies in my home mortgage. The Lenders involved are XXXX and Caliber home loans, while some of my complaint happened while my loan was under XXXX, caliber is doing the exact same issues. I am going to attach evidence I am submitting to the courts tomorrow, I have been working with an attorney, but if I had not been under the protection of a chapter XXXX bankruptcy I surely would have lost my home. I can not believe that the CFPB has not stepped in at this point to do something about this account, undisputed evidence of inflated fees, flat illegal treatment of my original mortgage contract, theft of monies I paid to my mortgage that were intended to go to principal on my loan, illegal stay relief action taken on the part of caliber home loans, pyramided late fees in excess of XXXX dollars, fraudulent " home inspection fees '' over XXXX of them in my loan history, forcing of using XXXX to pay my mortgage, illegal reinstatement fees, and fees for batch filing have already been provided, if the CFPB would merely LOOK at the evidence I and XXXX has submitted they would undoubtedly find a huge number of violations of law. I will continue to submit complaints until something is done about BOTH calber and XXXX, not all homeowners are under the protection of a chapter XXXX, or have the tenacity to fight as long as I have. 
In my attachments you will see XXXX cleared payments through check and money order and another years worth through bank statements, NONE of these have been applied to my account, you will also see XXXX XXXX transactions three of these were not applied to my account. In the accounting that caliber and XXXX provided to the court ( attached with my notes ) you will see over XXXX instances in which an illegal action happened on my account. OVER XXXX TIMES THESE SERVICE 'S BROKE THE LAW ON MY ACCOUNT ALONE! Please do something about this. My advice to homeowners, NEVER ALLOW EITHER CALIBER HOME LOANS OR XXXX TO HOLD YOUR MORTGAGE!!!
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I subscrib0ed to XXXX about 12 years ago telling them I could to have a CONTRACT because I would need to put it on vacation every winter because I live in AZ during the winter. I was told it was no problem. The first winter I did that they accused me of early termination and charged me {$500.00} I refused to pay it and disputed this charge. Nothing has changed. They keep sending it to different collection agencies all these years. This has been an adverse affect on my credit report and it still is showing up as a collection action. How many years do they have a right to do this? Once 7 years was gone, that should have been the end of it. I am not paying them anything for their false charges. Besides all of the above, each year the amount changes. first it was {$500.00}, then it was XXXX, now the last I saw from a new collection action was {$140.00}. They are getting nothing from me. Please make the agency correct this and get this blemish off of my record. Thank you. XXXX XXXX
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

I I mailed a statement in to equifax that I wanted added to my credit report. When I noticed the statement had not been added I called equifax to inquire. The agent advised that she did not see a statement and that she could add it if I give her the information. When I received a copy of the statement that she had added, it was full of errors. To add insult to injury I have had my y credit pulled a copy of times and the only portion of the statement that shows up is " XXXX XXXX XX/XX/XXXX PAYMENT HISTORY SHOWS MY COMMITMENTS OF MAINTAINING A GOOD CREDIT HISTORY '' this was a small portion of my statement. This was intentional by Equifax to not report the full statement as I advised that I am in litigation against equifax on XXXX matter and will be filing XXXX additional suits against them. Again Equifax continues to operate in a malious manner that continues to cause me financial and emotional harm.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

HELLO FROM XXXX XXXX XXXX. 

A WHILE AGO THEIR WAS REFERENCE NUMBER REGARDING EQUIFAX , XXXX. THEIR A WHILE AGO WAS XXXX XXXX CREDIT CARDS IN XXXX, VA. THAT REQUESTED EQUIFAX TO BE MAILED TO THEIR OFFICE, AND YOU KINDLY HAD THAT SENT TO THE FEDERAL TRADE COMMISSION, AND THEY CLOSED XXXX ACCOUNTS DOWN. FORMER E-MAIL IS XXXXXXXXXXXX, XXXX DISTURBED THE E-MAIL, WHEN YOU GET AN OPPORTUNITY, COULD YOU PLEASE, SEND ME THE INFORMATION TO XXXXXXXXXXXX. XXXX FYI, I REQUESTED A XXXX CREDIT CARD, AND THEY CHECKED THE MAJOR EQUIFAX IN XXXX GA, AND THE CREDIT NUMBER WAS XXXX POINTS WHICH IS INCORRECT. 

XXXX XXXX! 

XXXX XXXX XXXX XXXX, SS # *********** HAVE A GREAT HOLIDAY, AND BE BLESSED
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2015-12-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (AZ)

I have XXXX loan which has the same account number with Great Lakes, XXXX XXXX XXXX, XXXX, WI XXXX. I have been paying almost every 2 weeks with {$150.00} and they were crediting them to the lowest interest ( 7 % ) and showing overdue on the highest interest rate ( 9 % ). I called them several times to resolve by consolidating or lowering my interest rate ; they have rejected my request neither they are willing to talk. My account number is XXXX. I would request the esteemed Attorney General or their office to intervene to resolve this issue as I am struggling with all the highest payments.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a Capitol One XXXX XXXX that I pay every month with on line bill pay. I do not get statements from them either paper or email. If I want to see my statement I have to go on line and look for them. This is a big part of the problem. I pay them {$75.00} a month every month to clear my balance which was about {$2000.00}. I have this set up in my bank 's bill pay to automatically arrive on time every month. 
In XXXX of XXXX I made a payment of {$35.00} instead of my usual {$75.00}. Unfortunately the minimum due was {$39.00} which I did not have a statement to see. Since I paid {$4.00} under the minimum due I got a {$35.00} late fee added to my account. The next month I went back to paying my {$75.00} a month not knowing I was getting a late fee and added interest EVERY MONTH for the last 18 months because they never sent me a letter or called me about my account. I just happened to go online in XXXX of XXXX expecting to see my balance almost being cleared. You can imagine how upset I was, how angry I was when I saw that my monthly payments were getting taken up by late fees and added interest every month and all the months of on time payments being made for more than the minimum due had gotten me nowhere because of a {$4.00} typo when I paid my bill in XXXX of XXXX. I have never even missed a payment on this card! I called Capitol One and the representative gave me credit for {$210.00} XXXX 6 months of late fees ) and {$94.00} in interest payments. While I appreciate the gesture it is not enough. I wrote a letter to XXXX XXXX at Capitol One and received form letters talking about late fees and interest and saying that I would not be getting any more money back. I called Customer Service again and was told that XXXX XXXX has the final word and nothing more can be done. I have been charged {$590.00} in late fees not to mention all the interest that I should not have been charged. All because of a {$4.00} Typo! And they never sent me a letter or bill, OR called to let me know there was a problem with my account. This is just wrong! Please do what you can to help me correct this injustice!
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Account # XXXX CFPB CASE NUMBER XXXX Respond not fair enough Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accounts And maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the major credit reporting agencies. 
Although I made a late payment on XXXX XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payments I am requesting deleted and / or removed occurred on XXXX XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
I am keep sending request until get fair resolution Sincerely XXXX XXXX XXXX
Consumer complaint received 2016-02-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

While performing a credit check through XXXX, a new loan just magically appeared on my credit score. I have no knowledge of who bayview loans are. I feel as if XXXX XXXX may have taken the original loan and sold it to this new back without sending any information about all the reports I have filed through XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been trying to place a credit freeze through Transunion, but there's always error message. Even after downloading the app, the issues persisted. 
Recently I started getting emails from different lenders regarding a loan ( that I didn't apply for ) I wanted to protect myself and while other XXXX bureaus froze my credit without any issues, Transunion is repeatedly giving me error messages.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-01-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA (CO)

First National Bank Omaha - horrible customer service. 
Of course - they are the BANK so they are always right. I am only the customer confused by the inundation of unwanted offers and e-mails from the BANK. 
So decided to try an offer - a balance transfer from XXXX XXXX. I wanted to transfer {$200.00} using their " no transfer fee '' offer. Apparently I used the wrong check and was charged {$10.00} on a {$200.00} transfer. Usurous. That is an instant 5 % penalty. They were VERY unsympathetic. They got my {$10.00} for that tiny transfer! High fives!!! 
When I contacted the BANK and told them I intended to use a different offer, they were VERY unsympathetic and just told me they could n't do anything. We all know they could - so not only are they customer unfriendly but they are liars. They got my {$10.00} and to XXXX with what I wanted. They also misclassified the transfer as dept store/ retail - not a balance transfer from another card. 
But they are the BANK and always right. Note the unsympathetic response. 
Here is the classification they claim is correct : XX/XX/XXXX XX/XX/XXXX BALANCE TRANSFER - FNBO Retail/Department Stores {$200.00} XX/XX/XXXX XX/XX/XXXX BAL TRAN FEE - XXXX Retail/Department Stores {$10.00} This was a transfer from XXXX XXXX business cards so we can clearly see that the BANK did everything correctly. The classification of the transfer is my fault. Somehow. 
How do my balances increase when I have n't made any charges - I 'll include on example, there are others. 
Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$490.00} XXXX {$2.00} Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$550.00} XXXX {$2.00} How did the balance increase from {$620.00} to {$620.00} when I had made NO charges. 
This BANK is horrible. 
XXXX