davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX, BANK XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have been repaying Bank of America since 2012 for property tax reimbursement. They were reimbursed fully by XXXX County, OR. I received a bill from B of A for {$500.00} for " closing the escrow account '', stating that I " asked the to close it ''. 
I did not ask that it be closed, only that they stop billing me for repayment, after the balance had been paid. I can not get through to anyone to try to resolve this issue. I am XXXX years old, have been dealing with constant " what I call harassment '', since 2012. Can you hel me? I have been XXXX since I received this letter, and do n't know how to deal with. Thank you for your help. XXXX XXXX
Consumer complaint received 2016-08-02
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV)

I made a money transfer to my father in XXXX through money gram. When my father went to pick it up he was told there is no order number matching his number. The lady at store had also made a mistake my fathers name is XXXX XXXX XXXX and she only put XXXX XXXX. I called money gram and they said it was on hold and that my father needs to call a phone number they gave me. So I called my father again and gave him the number to call. Well there was no answer. He went back to the bank and they still have no money for him. So I drove for an hour to the money gram I sent the money through and they told me the money is on hold and there was nothing they can do. So I called money gram again and they said the same thing again. My father needs to call and say they could give me back the money so I could resend it. Again there is no answer to any of the phone numbers they gave him. So I sent {$200.00} to my father that he can not Claim and they will not return to me. Every time I call they same the same thing he needs to call them but none of the numbers they give me work.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

There has been an incorrect removal of numerous trade-lines, causing damage to my credit rating. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I missed a payment and was assessed a late fee and interest charge to my credit card account by Citibank. Currently, I have a family member with an illness. I apologize for any inconvenience but would like to remain a loyal customer of Citibank and Citi credit cards. I have been a loyal cardholder for 6 years and have made a mistake and it will not happen again. To ensure this, I have authorized Citibank to make a withdrawal from my account every month on the statement due date on the occasion that I do not proactively manage a payment.
Consumer complaint received 2016-08-02
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NY)

I have recently made a transaction on XXXX XXXX. The receiver in XXXX informed me she has not received the money yet. I contacted western union and they told me that the transaction was declined and the refund will be made within 7 business days. After 7 business days i called for the follow-up, they told me there was an issue to the refund, and asked me to wait 7 more business days. After a third 7 business days, i called them again and the agent asked me to wait another 7 business days. They told me the same thing for the fouth call. Today, i call them for the fifth time, and they still ask me to wait 3-5 business days.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

A hotel refunded a credit card account I had already canceled ending with XXXX for XXXX XXXX. The hotel assures me the refund went through. I have tried contacting Capital One several times but as of yet have not been able to speak with anyone who has been helpful in the matter. The canceled account has a number of XXXX because I have the XXXX credit card replaced at some point when it was stolen. I have no clue where my refund may be between vendors or with Capital One. It was initiated on XX/XX/2024. 

Attached is an image of the refund sent by the hotel.
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bayview Loan Servicing took over my mortgage in XXXX XXXX at the time I already had an APPROVED Load Modification agreement in place from XXXX XXXX ( previous mortgage company ) who sent me an agreement along w/trial payment schedule to commence on XXXX XXXX thru XXXX XXXX ( 3 mos ) at that same time I received a letter from Bayview ( never heard of company but looked up which had nothing but negative claims against the company ) therefore I thought the letter stating they were taking over my mortgage was a scam. I reached out to my contact at XXXX XXXX and they informed to start my loan modification trial period with Bayview who is taking over as of XXXX XXXX. We all had a 3-way email convo where XXXX XXXX warned Bayview that they have to legally honor the loan mod agreement that was already in place and I was to make 1st payment to Bayview on XXXX XXXX. I made the 3 trial payments not only on time but earlier then XXXX of each month and have the proof. I battled with Bayview since day one, from getting a responsible person to correspond with me, conflicting info, etc. I was given a Rep that I was to work strictly with whom never responded back to me but I STILL cont 'd to make monthly payments even after trial period, never missing a month. After threatening legal action, I received my long awaited loan modification agreement in mail that stated I successfully completed the trial period ( 4 months AFTER the trial period ). The loan modification agreement is beyond corrupt - the amount they are trying to increase my loan amount to, fluctuating rate so I reached out to my new Rep I was assigned to requesting some information on the agreement, to please provide proof of missed payments and how they come up with the amount of repayment owed on loan ( normal concerns before signing a legal agreement ) but again I am getting XXXX courtesy of a reply. The statements I receive each month are incorrect - I asked Bayview to explain where is all the money I have paid to date, over XXXX ( no reply again ). I am not sure how this company is able to stay in business legally on how corrupt it is, please assist me on retrieving a legal loan modification with them or retrieve my money back that they stole. I believe with all the complaints against this company an actual legal investigation and class suit action may need to take place.
Consumer complaint received 2016-08-02
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: MST Financial Services, L.L.C. (ID)

I have been trying to pay what I can and sometimes that is nothing but repeatedly have been telling me that is not enough and that if I do n't pay what they want me to pay a month then they are going to take me to court and garnish my husbands wages over {$600.00} a pay check! 
I also asked them to not call my husband and I at our jobs and they continue to do so. I even gave written notice to stop. 
Now I get a letter in the mail about a judgement and I only missed one payment.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

I do n't believe that I am responsible for a debt that is showing on my credit report. This debt if from XXXX XXXX Apartments I believe they illegally sending information to the collection company I. Q. Data International , Inc as to the amount that I owe in connection with an apartment my daughter lived in to where I cosigned for credit so she could get the apt as she recently moved from XXXX to XXXX. My daughter moved into the apartment on XXXX/XXXX/XXXX and was evicted from this apt complex on XXXX/XXXX/XXXX due to failure to comply with lease agreement. My daughter did go to court proceedings in XXXX and was evicted from the apartment on XXXX/XXXX/XXXX. My daughter did inform there was a attorney bill that she would be resonsible for but they never billed her for. The first notice that I ever received regarding this issue was from I.Q. Data International , Inc. informing that this issue went straight to collections without prior notification to me or my daughter so that we could attempt to resolve any debt or issue. We have never received any billing as to the break down for the charges they are informing I owe as the principal due. I never received a bill period from XXXX XXXX XXXX as to why I owe them this amount. I found out it was on my credit report as I am seeking a new job since I was displaced and was rejected for being hired by several prospective employers due to this collection on my report. I was informed my first step was to send a request to XXXX to remove the debt as well as to I.Q. Data International, Inc for validation of the debt. Today I received a letter from I. Q. Data International, Inc with the cosigner agreement letter and security deposit refund accounting form written up by the manager/owner of XXXX XXXX Apartments from I. Q. Data International , Inc. this is a freeform document where he has written in amounts for termination fee eviction fee repair costs totaling {$3600.00}. No proof of incurred charges was received at all. I am requesting that the item be removed from my credit report due to myself and my daughter never being properly billed prior to being put on my credit report, lack of validation of debt, and lack of clear invoices/ receipts showing legality to the amount owed. I 've attached the letters that I sent priority mail to XXXX as well as IQ Data, Inc.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CO)

I have been trying unsuccessfully to submit hardship documents to Ditech 's website. I receive an error message when I try to upload my documents, as well as when I try to submit a message via their messaging center on their website. The error message says to contact Ditech customer service via telephone for assistance, which I refuse to do because they have verbally abused me and lied to me when I spoke to their representatives ( XXXX XXXX and her supervisor, XXXX ) in the past. Please help me. I am simply trying to submit my hardship documents so I can avoid forclosure on this property for the XXXX time, after Ditech previously abused me by delaying their decisions and ultimately denying my XXXX short sale requests, as well as offering me a loan modification in bad faith that they subsequently changed the terms on.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (PA)

BarclayCard US is providing a concerning revelation on behalf of credit decisions requested. Based on previous inquiries and correspondence which they furnish through email AND vocally over the phone, they still send correspondence with secure information through the mail, when there is no need to do so in cases where XXXX copy of correspondence has been received either electronically or vocally over a phone line where they obtain permission via secure information handled by the receiving end of the phone line. This is a XXXX XXXX concern due to how prevalent " Hacking '' is these days. I am requesting a full investigation of this in addition to sequestered forms that are improperly sent based on the above analysis. Credit Card companies should be fully cooperative with modern technology and provide full disclosure regarding Credit Inquiry decisions and should only offer XXXX form of a decision for delivery, be it electronically, vocally, or through the mail. While mail is to be considered Secure, Credit Card companies should know better than to put Any form of identification that tags a partial Credit Card #, SSN, or Tax ID where unknowns are able to Steal, or mishandle the documentation should it fall into the wrong hands. I 'm pleading that this matter be taken seriously, as if the tables were reversed, I 'm sure the affected would have the same opinion. 

Nobody deserves to have their information stolen. If Credit Agencies would take the proper precautions in securing information, perhaps this would become less of an issue for many victims of fraud.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This credit reporting bureau is reporting incorrect information under a Capital One credit card that was closed many years ago ( opened in XX/XX/XXXX ). This is old credit card is still displayed on my credit file showing XXXX 30 day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX. I wrote a letter asking Transunion to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late 's old, not verifiable and no longer on record and that the credit bureaus will remove the accounts completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.
Consumer complaint received 2016-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WI)

This is the third complaint I have made against FedLoan Servicing this year. All complaints, including this XXXX, are a result of my working in a good-faith effort to get my loans on the proper payment plan, update my income, or consolidate loans ... YET when I email them for additional information, or to get clarity on their automated letters, I get NO response. They do not ever respond to emails despite it being a clear option for borrowers to get more information. I have called multiple times, but calling results in XXXX hour waits, which give the nature of my job ( pediatric oncology ), creates significant hardship if not impossibility to stay on the line. I have a right to a timely, truthful response to my questions. I have emailed FedLoan Servicing immediately upon understanding there was an issue to get information about resolving the concern fairly. I have had to make additional payments simply to expedite what I consider to be " system '' or " process '' issues. I 'd as the CFPB to follow up with FedLoan Servicing to audit their email response process, and understand exactly why they can not and do not respond to emails.
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (DE)

XXXX Convergent Outsourcing, has made repeated calls to this phone number and have been told each time to never call this number but they ignore those requests. Called Convergent Outsourcing from number found from online search, they refused to state the nature of their business or why they are calling. 
Attempted XXXX times to use their format on their website to place our number on do not call but page always fails to complete process with error messages. 
Then called provided XXXX customer service number to report this problem and am refused service.
Consumer complaint received 2016-05-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went online to choose a credit card becuase i have some travel plans coming up and need to purchase tickets now. I read and compared offers, I choose the Capital one venture card because it offered zero percent for a full year and then stated would be 12.99-22.24 % based on your credit worthiness. I was also looking at this ending score after one year. I was approved for the card right away but was given the offer of 22.24 %, my credit score XXXX, I feel it 's pretty good, maybe not the absolute best. I feel their company is providing false advertising. Many companies are trying to pull this, if after one year the ending score is over 15 % I through it away. They should n't tell people 12-22 % when they have no intention of giving that interest rate. I called them to ask if I could negotiate this rate and they told me its all computer calulated so NO!!!
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

I called Freedom Mortgage to confirm that if I paid my loan down to less than 78 % they would stop my mortgage insurance. They confirmed and I did. It was n't gone the first month, or the second so I called back. They said they would submit a request. I assured them this was n't necessary, as at 78 % they do n't have a right to decline a current loan ( never missed a payment ). After a week a MI specialist called back and said that I needed to submit a written request ( nope, see the Homeowners Protection Act of 1998 ) and that they could keep my MI on the loan all the way down to 75 % at their discretion ( nope again, HPA 1998 ). This greatly concerns me because this is the view of a MI specialist so they are probably doing this to everyone. There was a very very clear guidance from you guys last XXXX about this type of shenanigans. ( http : XXXX ) Please contact this company and have them change the way they do business.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

EQUIFAX & XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Equifax, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my HIPPA rights also the FCRA..
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following information is incorrectly reported on my credit report because I was on Medicad at the time of service. No income and no employment which allowed me to be on Medicad. With XXXX, TransUnion, and XXXX. 
Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$65.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$110.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX XXXX PA Opened Date XXXX XXXX, XXXX Balance {$740.00} Collection Agency XXXX Original Creditor XXXX Opened Date XXXX XXXX, XXXX Balance {$75.00}
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (IL)

TCF has been charging overdraft fees to my account to overdraw my balance and then charging fees to me for them bringing my account into a negative balance. I am a government worker that has had credit issues in my past and I have been working to rebuild my credit history. Unfortunately I am not in a position to take my business to another bank. A TCF customer service representative even belitted me buy recommending I obtain a prepaid card because that is all I would qualify for. Customers should not be mocked or ridiculed specifically because we choose to complain about a major banking conglomerate defrauding and basically stealing from consumers. I ask that someone investigate the shady business practices performed by TCF Bank.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My wife and I have a joint account with Capital One. She sent a wire transfer of the balance : {$2900.00} to my XXXX account XXXX weeks ago and requested that Capital One close our account. Instead, Capital One reversed the transfer and locked the account and are refusing access for no reason. They initially claimed the wire was n't " cleared '' though XXXX confirmed there was no issue and the problem was with Capital One. There are no branch locations where we live ( XXXX ). Capital One says they will send a check in XXXX business days and that is all.